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The way health insurance is being marketed, it may give you the wrong impression that Nevada Health Link is the ONLY place to buy health insurance these days, but that is NOT the case. You can continue to buy your health insurance from the same agents and agencies you’ve always bought your health insurance from.
It is true, however, that Nevada Health Link’s website is the only website you can go to get your health insurance “subsidized”. This means the Government helps pay for your health insurance policy.
To use an analogy, if Nevada Health Link were an auto sales website, you could go to their Government website and purchase your Toyota, Ford, Chevy, Honda, etc. You would be buying with a “subsidy” which means the Government helps you pay for your Toyota, Ford, Chevy, Honda, etc., as long as your income falls within a certain percentage and you qualify. The Government will then help contribute each month towards the payment of your new car (or in this case, your health insurance policy).
Continuing with our analogy, you can, however, continue to buy your Toyota, Ford, Chevy, Honda, etc., from a real person, who lives in Las Vegas, and will help guide you. This AGENT, can sell both ON or OFF Exchange, which means they can help you purchase health insurance WITH or WITHOUT a Government subsidy. You would go directly to the dealership and buy your vehicle, or better yet, have a local health insurance agent guide you (who knows all the health plan coverages, their networks, hospitals, doctors, and drug formularies etc.).
OK, let’s leave the auto dealership analogy and get back to the real world.
You can buy your health plans from the same places you’ve always bought health insurance and continue to enjoy the friendly, knowledgeable assistance an experienced local health insurance agent provides. Using a resource like this website, NevadaInsuranceEnrollment.com, you have the ability to shop for a variety of insurance options, receive help from our agents to enroll into your government subsidized health plan or unsubsidized health plan, and choose the best health insurance policy that will suit your personal and financial needs. All at NO additional cost. The service the agent provides is FREE!
If you’re nearing the end of your policy term and you’re planning to auto-renew rather than go through the process again, you may end up paying too much for auto insurance or worse, find yourself underinsured.
Among the primary causes of this persistent problem is the lack of competition. Consumers still have limited options when it comes to health insurance and health care providers.
Up until 10/1/2019, Nevada residents had the option of enrolling in off-exchange health insurance plans at any time during the year. The catch? There was a 90-day waiting period after enrollment before coverage becomes effective.
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If you’re hit in an accident, the at-fault party’s auto insurance company is responsible for getting your vehicle back to pre-accident condition by making any necessary repairs. However, even if your vehicle is restored to its pre-accident condition, it may not be restored to its pre-accident value.
After an accident, it’s an insurance company’s job to pay for any repairs necessary for getting your vehicle back to pre-accident condition. But what happens if an old tire is damaged during an accident? For safety reasons, your auto insurance company would pay for a new tire to be put on your vehicle.
Your auto insurance probably isn’t something you spend much time thinking about. It may come as a surprise, then, when your insurance agent gets in touch with you twice a year to discuss your policy. Many insurance policies are only six months long, and as it turns out, that can work in your favor.
Your auto insurance premium isn’t a figure that’s just pulled from the air; in fact, your insurance company uses intricate algorithms to determine just how likely they are to pay out a claim on your behalf, and that’s what determines your premium.