Choosing a health insurance plan is confusing. When you use an agency/broker such as us, you have an advocate to help you understand the differences between plans and insurance carriers. You will have a better understanding of your options.
We help you choose a plan that fits your needs. After you are enrolled, you have us to assist with claims, billing, or any issues that may arise. We also keep you updated on changes in the law.
Some facts about using an agent/broker:
• Regardless if you choose to purchase your plan direct from the insurance carrier or an agent/broker, the plan benefits and rates are the same.
• Agents/brokers are compensated by the insurance carrier.
• When using Benefits of Nevada and/or our partners, be assured you’re getting the expertise and professional service from someone with years of experience (and often specializes in that product).
Affordable Care Act (ACA) Health Insurance
Note: Open enrollment for 2020 is over. You can apply for coverage on an ACA/Essential Health Benefits (EHB) plan if you qualify for a Special Enrollment Period/SEP (or for Medicaid or Children’s Health Insurance Plan/CHIP). Examples of qualifiers are: Losing an employer plan, birth, marriage. Nevada also allows for enrollment in a plan with a 90-day waiting period.
Other Health Coverage Options (for Individuals and Families):
Note: Short Term plans are not subject to the ACA/federal health care reform law requirements. Because the plans are not guaranteed renewable, the policy could be declined for pre-existing conditions.
Any short term or limited benefit plan does not qualify as “minimal essential coverage” under the health care law. If you do not have a health plan that meets the federal law’s requirements, you could owe a penalty on your taxes. Please read all policy information in detail.
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