Nevada Health Link Gets New Director
We have a new Director overseeing the Nevada Health Link website. His name is Bruce Gilbert. We wish Mr. Gilbert all the luck and success in the world, and have high hopes for him fixing many of the problems that Nevada’s residents have experienced during the 1st enrollment season.
Nevada Health Link Gets 5 Insurance Companies
There will now be five insurance companies selling their health insurance plans on the Nevada Health Link website for this next upcoming open enrollment.
These are “On Exchange” Plans.
The five insurance companies are:
♦ Anthem Blue Cross and Blue Shield
♦ HPN (Health Plan of Nevada)
♦ St. Mary’s (recently changed to “Prominence”)
♦ Nevada Health CO-OP (a not-for-profit health insurance company)
♦ Time Insurance Company (otherwise known as Assurant)
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Health Insurance Deductible
A deductible is an amount you pay before the Insurance Company starts paying. Health insurance plans will have different deductibles. You’ll be expected to pay the whole medical bill out of your own pocket until you’ve paid your deductible.
Out of Pocket Maximum
Your out-of-pocket maximum is the most you’ll have to pay for covered services in a policy period (one year), each January 1st it starts over again, and that includes cost of medications too. After you reach this amount, your health insurance plan will pay 100%.
Qualifying Life Event
If you experience a major life change, then such a change is often considered a qualifying life event. Such life events affect your existing health insurance coverage and can make you eligible to change your coverage during the special enrollment period.