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 […]
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 […]
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: 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 […]
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, […]
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 […]
By Jessie Bekker / Las Vegas Review-Journal
Nevada’s health insurance rates will increase only slightly in 2019, the state’s Division of Insurance announced Tuesday.
Centene Corp.’s SilverSummit Health Plan and Health Plan of Nevada proposed an average 1.9 percent increase on the 15 plans they will offer in the state, the smallest increase since the Affordable Care Act took effect in 2014, Insurance Commissioner Barbara Richardson said in a release. The 41 off-exchange plans will face an average 3.1 percent rate increase.
It’s good news for Nevada, said Heather Korbulic, executive director of the Silver State Health Insurance Exchange.
“All of that shows that […]