Recently the Center for Medicare and Medicaid Services (CMS) release new guidelines. They involve expanding new Medicare Advantage benefits. This could be good news for seniors. They’ve been seeing more limited benefits on Medicare plans. Medicare Advantage plans have traditionally been very restrictive. Medicare Nevada Advantage plans replace original Medicare (parts A and B). CMS… Read More


Are you an employer looking for a new health insurance plan? As one of Reno’s oldest Health Insurance Brokerages, we have been helping employers obtain the most competitively priced employer health insurance plans for over 30 years. Quite often we receive calls from dissatisfied employers that want to change their coverage. They want to move… Read More


Northern Nevada’s health insurance market is different than in many of its surrounding areas. Every individual, especially HR managers and small business owners, could benefit from learning more about the market before spending thousands on an insurance plan. While the system isn’t complex, it’s important to have a basic understanding of how it works. This… Read More


In recent years, the Nevada health insurance market has seen a reduction in available insurance companies for individuals and families. Effective January 1, 2017 every health insurance company in Nevada’s individual and family market removed their nationwide network for routine medical care. For consumers who regularly travel outside of Nevada and need providers in other… Read More


  The National Association of Insurance Commissioners (NAIC) recently commented on the proposed rule for the Department of Labor (DOL) to change the definition of employer under the ERISA Association Health Plans. This change would make it easier for small businesses to join with the intention of forming a collective group. The name for these… Read More


COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, was passed into law in 1985. COBRA allows consumers to continue their enrollment in employer health insurance after becoming ineligible for coverage. Most individuals qualify for COBRA coverage for 18 months, but sometimes it can last as long as 36 months. For the most part,… Read More


Many of our Nevadan health insurance members ask about the earliest dates they can sign up for the Medicare Part D. This is Medicare’s prescription drug benefit. When this benefit takes effect depends on when someone signs up before, during, or after their 65th birthday. The different timeframes for insured Nevadans are outlined below. Eligibility… Read More


Currently, under the Affordable Care Act, all US Citizens are required to enroll in a Qualified Health Plan. Qualified Health Plans include the 10 Essential Health Benefits and cannot deny applicants based on preexisting conditions. Since the implementation of Qualified Health Plans in 2014, health insurance options have decreased while premiums have steadily increased. In… Read More


When you’re under 65 years old, the cost of health insurance is fairly straightforward. You have your monthly cost, (your Premium) and the cost to use medical services (copays, deductibles, coinsurance…). Find more 2018 Medicare Nevada information here After you turn 65 these costs become much more confusing. The government becomes an additional party to… Read More


Several insurance companies stopped selling plans in Nevada as of January 1st, 2018. Among this group was Humana. This affected people immediately, as all health insurance plans renew on the first of the year. Many Nevada residents lost their health insurance coverage and needed new plans. Humana’s decision affects small businesses employers and employees when… Read More