Thursday, August 21, 2014

Frustration continues over Nevada Health Link

#HealthInsurance       #Obamacare      #NevadaHealthLink



Reading these current news articles and watching these videos confirm our conviction on why it’s vital to assign a licensed agent to your Health Insurance account.

Did you know that nationally 85% of all folks that used a health insurance broker to help them were very happy they used a broker!  Our goal is much higher than that.  We want ALL of our customers happy!  Having a broker assist you during the enrollment period, and throughout the rest of the year, costs you nothing and is so important. Countless problems occurred during this past enrollment season and not having someone to assist you is frustrating.  Long hold times and dealing with customer service personnel that don’t know your personal situation.

Agents and brokers not only understand the health insurance plans and how they work, they also know how their benefits will protect you individually. They understand the networks, the doctors and hospitals you can use. They will listen to you and understand your pharmacy needs and everything else involved in getting the right plan and the right support along with it.

Now that the IRS is involved with making sure you have a “qualified health plan” in place, you’ll want to avoid the penalties if at all possible.  Understanding how to avoid those penalties is important.  Now you may, however, calculate that a penalty is cheaper for you than buying a health plan, and you may want different options.  A broker can discuss these important issues.  There are so many new rules with health care reform and you’ll need an educated, pro-active broker on your side!

Assigning a Licensed Health Insurance Agent to your health insurance account will allow that agent to be your advocate for any of your health insurance needs.  This includes understanding The Affordable Care Act, also known as “Obamacare” (Health Care Reform).  We’ll assist you when enrolling into a “qualified health plan” whether you use Nevada Health Link or not.


Frustration continues over state health exchange, new director pledges fixes
http://www.jrn.com/ktnv/news/Frustration-continues-over-state-health-exchange-new-director-pledges-fixes-271458471.html


Woman’s surgery delayed by ObamaCare
http://www.foxnews.com/politics/2014/08/16/obamacare-exchange-problem-caused-delays-in-coverage/



Read why it’s smart to have an agent represent you:
http://www.nevadainsuranceenrollment.com/why-assign-an-agent-or-broker-to-your-health-insurance-account/




Thank you for considering Nevada Insurance Enrollment Marketplace for your health insurance needs.

Sincerely,

Shelly Rogers
Nevada Insurance Enrollment Marketplace
Licensed Agent #560016
Phone: (702) 898-0554
Toll Free:  1 (888) 600-0554
E-mail:   Shelly@NevadaInsuranceEnrollment.com
 


















Additional Info - You can click on a link below

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Authorized Agent for:  Nevada Health Link, Anthem Blue Cross / Blue Shield, United Health One, Sierra Health and Life, Health Plan of Nevada, Aetna, Assurant Health,  Coventry One, Humana One, Nevada Health CO-OP, Saint Mary's Health Plans

Wednesday, August 20, 2014

Are you over 55 years old and on #Medicaid? Read this!

#Medicaid

Many Nevada residents are unaware that after the age of 55, medical bills that were paid by Medicaid may come out of your Estate when you pass away.  This short blog is only meant to bring it to your attention.   We advise you to find out how being over the age of 55 and being on Medicaid may affect you and your beneficiaries and your Estate.
Please read this article:

http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Estate-Recovery.html


 
Thank you for considering Nevada Insurance Enrollment Marketplace for your health insurance needs.

Sincerely,

Shelly Rogers
Nevada Insurance Enrollment Marketplace
Licensed Agent #560016
Phone: (702) 898-0554
Toll Free:  1 (888) 600-0554
E-mail:   Shelly@NevadaInsuranceEnrollment.com
 


















Additional Info - You can click on a link below

Home Page
Individual / Family Health Insurance
Business Health Insurance
Medicare Health Insurance
End of Life Services
Recent Posts
Supplemental / Life Insurance / Travel Insurance
Health Care Definitions
Frequently Asked Questions
About Us
Customer Testimonials
Contact Us


Authorized Agent for:  Nevada Health Link, Anthem Blue Cross / Blue Shield, United Health One, Sierra Health and Life, Health Plan of Nevada, Aetna, Assurant Health,  Coventry One, Humana One, Nevada Health CO-OP, Saint Mary's Health Plans
 

 

Friday, August 8, 2014

Price of Health Insurance – Medical Loss Ratio

#HealthInsurance       #Obamacare      #NevadaHealthLink
 
We’d like to comment on the price of health insurance.  Yes, we agree that insurance is very expensive these days.  It’s important to note, however, there is a clause in the Affordable Care Act that is called the MLR – Medical Loss Ratio.  This MLR states that when a family or individual buys a medical plan, 80% of every dollar collected and paid to an insurance company MUST pay medical claims.  So that leaves the insurance company to pay ALL of their expenses with the remaining 20%.
We read an article today stating that the residents in Florida, almost 1 million customers, will be receiving a $65 refund because of this rule.  The insurance company collected too much money in premiums, and had to refund their customers the overage collected.
 
 
 

Thank you for considering Nevada Insurance Enrollment Marketplace for your health insurance needs.

Sincerely,

Shelly Rogers
Nevada Insurance Enrollment Marketplace
Licensed Agent #560016
Phone: (702) 898-0554
Toll Free:  1 (888) 600-0554
E-mail:   Shelly@NevadaInsuranceEnrollment.com
 


















Additional Info - You can click on a link below

Home Page
Individual / Family Health Insurance
Business Health Insurance
Medicare Health Insurance
End of Life Services
Recent Posts
Supplemental / Life Insurance / Travel Insurance
Health Care Definitions
Frequently Asked Questions
About Us
Customer Testimonials
Contact Us


Authorized Agent for:  Nevada Health Link, Anthem Blue Cross / Blue Shield, United Health One, Sierra Health and Life, Health Plan of Nevada, Aetna, Assurant Health,  Coventry One, Humana One, Nevada Health CO-OP, Saint Mary's Health Plans