Finding Health Insurance While Living In More Than One State

Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently. A health insurance agent can help you find affordable health insurance that provides the coverage you need, wherever you are.

Call for FREE Help
(702) 898-0554

↑ click to call ↑

Health Insurance For Snowbirds

Health Insurance If You Have Two Addresses

If you have permanent addresses in two states, then you should purchase your health insurance in the state in which you live the longest timeframe, at least 6 months and 1 day. For snowbirds who spend the chillier months in one location and the warmer months in another, it can be tricky so it’s very important to speak with your agent. Especially if you are Medicare eligible. If you are under 65 and not Medicare eligible, you really should speak with your agent and let them know your plans for the upcoming year. They’ll check with the networks of the plans you are looking at enrolling into to see if you’ll have local coverage in the place you plan to temporarily visit.

Generally speaking, you should buy a plan in the state in which you call your permanent residence. If you spend 6 months and 1 day in one state, that should be the place in which you buy your health insurance plan. Make sure you get a plan that is a PPO if possible, with a nationwide network, so you can be “in network” in any state, to keep your medical expenses as low as possible. With a PPO, however, you can still see out of network doctors anywhere, you’ll just have higher medical costs. Some insurance plans will have “reciprocity” which will allow you to see doctors and providers in another state in which are part of the same company but in another state, so these doctors are “borrowed”. Having a knowledgeable agent that is reachable for these questions can be absolutely invaluable! Some HMO’s will allow you to visit other states, others will not. All will cover emergency, but what’s an emergency? Some plans will allow you to go to minute clinic’s nationwide, others will allow you into neighboring states like Utah. It’s a lot of information and getting accurate answers could save you thousands of dollars.​

Quote and or Enroll

Health Insurance for Frequent Travelers

If your health insurance plan meets the requirements of the Affordable Care Act, then it covers you if you have an emergency and need medical attention when you are outside of your plan’s network. Some but not all employer-sponsored plans may have nationwide networks, but individual market plans usually have localized networks. When traveling, if possible, call the number on the back of your insurance card, the “Member Services” number, and tell them you are traveling, and ask for assistance. You can explain your situation or medical conditions you are experiencing, and they will be able to guide you in getting coverage where you are visiting/traveling.

How Can Nevada Insurance Enrollment Help?

Different health insurance policies have different coverages for out-of-network care and making assumptions about what your plan covers can be a costly mistake. If you split your time between homes in two different states, a Nevada Insurance Enrollment health insurance agent can help you determine what your best health insurance option is based on your needs and budget. We have answers because we do thorough research into all of Nevada’s options and know what plans may or may not work for you. Give us a call to discuss your options.

Updating an Auto Insurance Policy: When and How

Updating an Auto Insurance Policy: When and How

You don’t have to wait until renewal time to make adjustments to your auto policy. Updates can be made as circumstances in our lives change to ensure you have the proper coverage for your needs and budget.

Updating an Auto Insurance Policy: When and How

How Collisions With Animals Affects Your Auto Insurance

Knowing how to react when they appear can greatly reduce your chances of being involved in an accident. While hitting an animal can be against your natural instincts, swerving to avoid it could cause a worse crash that ends up in major fatalities.

Updating an Auto Insurance Policy: When and How

Coronavirus and Your Health Insurance

Nevada Health Link has responded to Governor Sisolak’s Emergency Declaration of March 12, 2020 due to the coronavirus, also known as COVID-19. It announced an Exceptional Circumstance Special Enrollment Period. This allows Nevada residents who missed the “Open Enrollment” period to enroll in a qualified health insurance plan through the state-based exchange platform.

 

By page visits (this month)

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog

#5) Request a Quote

By page visits (this month)

 

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog Posts

#5) Request a Quote

Nevada Car Seat Guidelines

Car seats are designed to accommodate your household’s youngest passengers, making sure that they are as safe as possible while on the road. However, did you know that just like helmets and other safety equipment, car seats have a shelf life?

What is Subrogation?

Even if it’s been determined that you definitely are not responsible for the accident, you can file a claim under your own comprehensive coverage and pay your deductible. Then, because it’s the financial responsibility of the at-fault driver and their insurer to get you back to pre-accident condition, your insurance company would use subrogation to file a claim with the other insurance company. This will allow them to get back any money paid out for repairs, including your deductible.

Nevada Health CO-OP Calls it Quits

Nevada Health Coop will NO LONGER be offering insurance after 2015. They will continue to be operational throughout 2015, so if you happen to have Nevada Health CO-OP as your insurance company, your claims will still be paid. You can still go to doctors, however, you’ll need to select a new plan for 2016