Monday, November 29, 2021

How A Divorce Affects Health Insurance Coverage

   Getting a Divorce Triggers a Special Enrollment Period


Going through a divorce can be a very stressful time, and it is unlikely that your health insurance coverage is at the forefront of your mind throughout the proceedings. However, if your current health insurance policy is not in your name and health insurance coverage is not included in the settlement, then the health insurance company will drop you from the policy as soon as the divorce is finalized.

Read the full article:
https://www.nevadainsuranceenrollment.com/divorce-affects-health-insurance/

Health Insurance in Nevada


Nevada Insurance Enrollment

Phone: (702) 898-0554

Tuesday, November 16, 2021

How Are Health Insurance Premium Rates Determined?

 

What Affects My Insurance Rate?


Your health insurance premium amount isn’t random. A variety of factors affect how much you’ll pay every month for your coverage.


The 80/20 Rule
Have you heard about the “Medical Loss Ratio”? This ACA (Affordable Care Act) provision is called the 80/20 rule and keeps your insurer from bringing in high profits from high premiums.


Insurance Companies Can’t Gouge the Insured The 80/20 rule states that a health insurance company must spend at least 80 percent of the money they bring in from premiums on healthcare costs and activities to improve the quality of care. Twenty percent of the money they bring in from premiums can be used for administrative costs, marketing, and other overhead expenses. If they’re selling policies to a large group of more than 50 employees, 85 percent of premiums must be spent on care and quality improvement. If your health insurance company doesn’t meet these requirements, then you will get some of your premium back in the form of a rebate.

Read the full article:
https://www.nevadainsuranceenrollment.com/how-are-health-insurance-premium-rates-determined/

Health Insurance in Nevada


Nevada Insurance Enrollment

Phone: (702) 898-0554

Thursday, November 11, 2021

Why You Should Use an Insurance Agent or Broker to Guide You

 

What Does an Insurance Agent Do?

Insurance agents are professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage and how their choices will affect their tax return, preventing costly pitfalls and gaps in coverage. Customers who work with insurance agents receive the insurance policies that are tailored to their needs at the best price available.

Read the full article:

https://www.nevadainsuranceenrollment.com/why-use-insurance-agent-broker-guide-you/


Health Insurance in Nevada

https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/



Nevada Insurance Enrollment

Phone: (702) 898-0554

Wednesday, November 10, 2021

Health Insurance Coverage Effective Dates

 

When Does Your Health Insurance Coverage Begin?


Once you have picked a health insurance policy and paid your first month's premium, you probably expect your coverage to begin immediately. However, depending on when you enrolled and under what circumstances, you may have several weeks before your health insurance coverage takes effect.

Read the full article:

https://www.nevadainsuranceenrollment.com/health-insurance-coverage-effective-dates/


Health Insurance in Nevada

https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/



Nevada Insurance Enrollment

Phone: (702) 898-0554

Tuesday, November 9, 2021

How To Spot Health Insurance Scams


Would You Recognize These Common Health Insurance Scams?

There are numerous health insurance options and navigating the system can feel a little daunting. Unfortunately, scammers take advantage of people’s confusion by pretending to offer cheap, hassle-free help with obtaining health insurance coverage.


Read the full article:

https://www.nevadainsuranceenrollment.com/spotting-health-insurance-scams/


Health Insurance in Nevada

https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/



Nevada Insurance Enrollment

Phone: (702) 898-0554

Friday, November 5, 2021

2022 Obamacare Health Insurance Open Enrollment in Nevada

 


Health Insurance Open Enrollment is Here! Open Enrollment for 2022 Obamacare health insurance coverage is from November 1st, 2021 through January 15th, 2022. If you call after January 15th, 2022 you will have missed the time frame to receive a Health Insurance Subsidy and a Qualified Health Insurance Plan.


Read the full article:

https://www.nevadainsuranceenrollment.com/obamacare-health-insurance-open-enrollment-nevada/


Health Insurance in Nevada

https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/



Nevada Insurance Enrollment

Phone: (702) 898-0554