There are different types of deductibles when discussing insurance. To make things even more confusing, deductibles may have different rules or meanings depending on the type of insurance you are reviewing. This article specifically talks about the differences between an embedded deductible vs umbrella deductible in health insurance. We recommend reviewing the summary of benefits… Read More

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

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

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

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

Understanding your plan is important and can save you thousands of dollars in out of pocket claims. As a broker, I hear a lot of people say, “I want a PPO Plan so I can see any doctor anywhere!”. This is an accurate statement, but it is misleading. Certain plans cover out of network doctors,… Read More

Blue Shield in Nevada When moving to a new state, one thing you should consider is how your health plan will cover you. Many California residents have been asking themselves this question when moving to Nevada. There are very specific circumstances where a plan that you purchased in California will still provide you with coverage… Read More

HSA Plans and Deductibles Many people I speak with often focus on the deductible of the health insurance policy they are considering. The deductible can often be used to determine how rich or “good” the plan is. While this can often be the case, many people can be easily confused by HSA plans. These plans… Read More

Is Losing Coverage Due to Nonpayment a Life Event? The short answer: no. Generally, losing coverage because you did not pay your monthly premium is not considered a qualifying life event. There are quite a few different life events that allow you to purchase health insurance midyear. While these life events are designed to help… Read More