Sign-ups drop, so far, for health insurance exchange

Sign-ups drop, so far, for health insurance exchange in Nevada
By Jessie Bekker / Las Vegas Review-Journal

Purchases of policies on the Affordable Care Act’s health insurance marketplaces are down nationwide and in Nevada through the first four weeks of open enrollment, the Centers for Medicare and Medicaid Services reported Wednesday.

Enrollments were down 12.8 percent nationwide and an even steeper 13.3 percent in Nevada.

While the figures concern Heather Korbulic, executive director of Nevada’s Silver State Health Insurance Exchange, they don’t come as a shock, she said.

“We’re really focusing on pushing on the gas pedal with everything we can,” she said.

Korbulic said sign-ups […]

Life Insurance Options – Reno NV

As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a plan. We can’t know when we’ll pass away. It could be today, tomorrow or 50 years from now. Life insurance can help provide protection for those uncertainties.
Are you looking for a life insurance policy to protect your family in case of an unfortunate death and to ensure their financial stability? Are you interested in saving for your children’s college education and protecting their future?
ACS Business Insurance Services, Inc. works to provide you […]

Nevada Health Insurance Robocalls

Warnings for Nevadans besieged by health insurance robocalls
Jessie Bekker / Las Vegas Review-Journal

Her voice is cheery. Her pitch sounds promising.

But insurance experts warn that health insurance robocalls offering low co-pays and premiums to all are often misleading or false.

“If it seems too good to be true, it probably is,” says Heidi Sterner, president-elect and legislative chair for the Nevada Association of Health Underwriters, a group for licensed health insurance professionals.

With the annual open enrollment period for health insurance through the state exchange now open and running through Dec. 15, Nevadans are being bombarded by canned sales calls offering the opportunity […]

HMO vs. PPO What’s the Difference between Plans

When it comes to health insurance, you have your choice of several plan types. Two you’ve probably heard of are a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO). Generally speaking, the difference between HMO and PPO plans includes the size of the plan network, ability to see specialists, plan costs, and coverage for out-of-network services.

Be sure to consider your medical needs, the availability of HMOs in your area and income. If you’re looking at an HMO, take a close look at the network to determine if the choices of doctors and medical facilities are enough to meet […]

Buying Health Insurance

Buying Health Insurance: What to Know About Plans Outside the Exchange
Updated: KTVN – Monday, September 10th 2018

Open enrollment for health insurance through Nevada Health Link starts November first.  And new rules mean Federal requirements for some health insurance plans sold outside of the Exchange have been loosened; these short-term plans are sometimes called “junk plans.”

“They are calling them junk plans because they’re not as comprehensive as qualified health plans,” said Heather Korbulic, Executive Director of Silver State Health Insurance Exchange.  “They don’t have to cover the 10 essential health benefits and they don’t connect you to subsidies.”

The 10 essential health […]

2018 Open Enrollment Marketplace Health Insurance

Open Enrollment for 2018 Marketplace Health Insurance Starts November 1 through December 15 in Nevada. Shop and compare the BEST Insurance plans for your health.

Call ACS Insurance for more information (775) 425-3233.

Health Savings Accounts – The Pros and Cons

Pros and Cons of a Health Savings Account
Investopedia – By Jean Folger November 17, 2017

A Health Savings Account (HSA) is like a personal savings account, but the money is used only for qualified health care expenses. The account can be set up with you as the sole beneficiary, or for you plus your spouse and/or dependents. Established in 2003 as part of the Medicare Prescription Drug, Improvement and Modernization Act, HSAs allow people with High-Deductible Health Plans to pay for current healthcare expenses and save for future expenses on a tax-favored basis. Here, we look at the eligibility requirements, […]

Proposed rate changes for the individual health insurance market

The Division of Insurance has posted proposed rate changes for the individual health insurance market
CARSON CITY, NV – The Nevada Division of Insurance has received and made public the proposed health insurance rate changes from carriers on and off the Exchange for Plan Year 2019.

Based on the rate submissions the Division has received for 2019 plans, there will be two insurance companies offering plans on the Exchange with up to 15 individual health plans to choose from. The average proposed rate change for the individual market on Exchange is an increase of 1.9%

“This is the lowest proposed rate increase the […]