Nevada Health InsuranceIndividuals and Families
Nevada Health Insurance
How to find an affordable plan.
It’s important to understand what you’re buying when you purchase Nevada health insurance. But it’s not just about understanding the “what” when it comes to a health plan; it’s also about understanding the “why” when it comes to coverage. Why purchase health insurance? Health insurance is your protection against financial loss. In the event of a medical emergency, a routine doctor visit, or prescription needs, health insurance is there to guarantee that you can receive the medical care that you or your family needs. Without adequate coverage, you may not be able to afford the medical care that you need. With Health Insurance Online, you will learn how to understand your policy and what to look for when purchasing your policy. If you are looking simply for cheap health insurance for yourself, you will be given a quote for an individual plan. Should you need coverage for a spouse and/or children, you have a few options including purchasing a family plan or several individual plans. If you’re 65 or older, you may qualify for Nevada Medicare. Whether or not your employer offers health insurance will also affect your quote. Without employee insurance, you will need to purchase your own plan, but if your employer does offer benefits, you may want to look into supplemental insurance.
Acquiring affordable health insurance will also depend on whether you decide to pay more in monthly premiums or yearly deductibles. As you continue to add supplementary insurance or additional benefits, your cost for health insurance will increase. Choosing a higher deductible can be much less expensive if you are relatively healthy and do not need anything throughout the year aside from annual checkups. The risk with a higher deductible is if you should need an unexpected or emergency medical need that surpasses what you budgeted for. You are then responsible for paying up to your high deductible before your health insurance begins paying for your medical costs. In contrast, with a higher monthly premium, depending on how much medical care you need throughout the year, it may be much less expensive to pay higher premiums than relying on the chance that you will not need to meet such a high deductible.
Contact Information:Health Insurance Online - Las Vegas, Nevada
848 N Rainbow Blvd
Las VegasNV 89107
Telephone: (877) 498-0836
Monday - Friday 9am - 5:30pm PT
Leading Nevada Health Insurance Companies
Nevada Health Insurance Options
Despite the fact that health insurance rates vary by a variety of factors related to your age, previous health, unhealthy habits (e.g.: smoking), employment, and other details, Health Insurance Online can help you find accurate information and affordable health insurance quotes. In some cases, your age or a previous health condition may present a high risk for your health insurance provider - with most insurance companies, smoking policyholders are required to pay an additional fee due to heightened medicals risks. As with most states, Nevada offers a variety of federally funded programs designed to help individuals and families in need of insurance as well as many local and national health insurance providers. Health Plan of Nevada (HPN) is the oldest health maintenance organization (HMO) in Nevada, established in 1982. An HMO is a private network of healthcare providers who have contracted their services at a lower price for policyholders under their care (see above for detailed description). Though the majority of Americans choose Preferred Provider Organizations (PPO), an HMO such as Health Plan of Nevada can potentially offer policies at a much lower cost to the policyholder.
Nevada Medicaid is a federal program that provides health care services for individuals qualifying as low-income based on both state and federal laws. Medicaid pays medical providers directly rather than reimbursing individuals. Unlike Medicaid, Nevada Medicare is available for almost anyone considered disabled by the federal Social Security Administration and anyone over the age of 65. The Nevada Check-Up was created for families who don’t qualify for Medicaid, with income levels at or below 200 percent of the federal poverty level. Individuals and/or families qualifying for the Nevada Check-Up pay a small premium based on income. The state of Nevada also offers State Health Insurance Assistance Program (SHIP), a federally funded volunteer program that offers free assistance, information, and counseling for individuals and families on the Medicare program. Spanish speaking volunteers are also available in Southern Nevada. For more information, visit the state of Nevada website.
Resources and Information
Nevada Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Nevada Doctor Directory
Doctors practicing medicine in the State of Nevada are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.