Your health insurance plan has a lot of confusing terms. One of the major questions we get asked about is the difference between your deductible vs maximum out of pocket. Depending on the plan, these policy benefits may have different definitions. We recommend verifying this information with your plan’s summary of benefits. This article discusses… Read More

Nevada Health Link The Nevada Health Link is the state’s health insurance exchange. Here you can apply for a subsidized health insurance plan directly on their website. This means that based on your income, the government can pay for a portion of your premium. Your income will heavily affect how much of a subsidy you… Read More

Medicare Dental Plans Good dental health is an important part of your overall health. This means regular visits to the dentist which can often become costly. If you have dental insurance today, you most likely get it from your employer. If you are on Medicare and you are not receiving any dental benefits from an… Read More

  Healthcare can be a significant cost for individuals over 65 years old. One of the best ways to help reduce that cost is by purchasing a Medicare Supplement plan. But what happens when the Medicare Supplement plan becomes more and more expensive? What problems come up when changing medicare supplement plans? Changing Medicare Supplement… Read More

Part D Drug Plans in Nevada Part D is a Medicare plan that covers only prescription drugs. Those that have Parts A of Medicare are eligible to sign up for a Part D plan. These plans are purchased through a private insurance carrier, not the government. Parts A and B from the government only cover… Read More

Original Medicare is also called Medicare (parts A and B). It comes from the federal government. It usually only covers about 80% of your medical expenses. To cover the other 20% many people have decided to buy a Medicare Advantage plan. Medicare Advantage plans are also called part C plans. They almost always include prescription… Read More

One of the questions we routinely get is about the differences between deductibles vs copays on health insurance plans. Both benefits will appear as a flat rate amount on your health plan’s summary of benefits, but they have vastly different meanings. Furthermore, the out of pocket costs are significantly different when comparing deductibles vs copays.… Read More

Blue Cross Nevada If you are moving from another state to Nevada, you most likely have heard of Blue Cross or Blue Shield before. In Nevada, this carrier is more commonly known as Anthem. Anthem is a national carrier that has contracted doctors and hospitals all over the United States. If you are looking for… Read More

Health insurance has a lot of confusing terms and jargon. Many people ask us what the difference is between copays vs coinsurance. These names may sound similar but they are very different in definition. Also, the prerequisite requirements for these benefits can vary from plan to plan. This article discusses the basic definition between copays… Read More

Balance billing is sometimes called surprise billing. In the world of health insurance, balance billing is one of the worst situations you may experience. Also, it can happen on almost any health plan in the United States. Federally, there are no laws against balance billing on ACA-compliant health plans. Some states, like Nevada, recently passed… Read More