Hometown Health, a local insurance company in Nevada, is now offering low costing health insurance through the Carson Valley Chamber of Commerce. Renown hospital owns Hometown Health. Also, they are the only non-profit insurance company in Nevada. These new Carson Valley Association Plans will be available to small employers as well as Sole Proprietors who are members of the Carson Valley Chamber of Commerce. Even though association health plans have been available in Nevada for the past few months, businesses can enroll in the Carson Valley Association Plans as early as May 1st, 2019.
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Save Money Today!
The Carson Valley Association Plans have lower premiums compared to the rest of the insurance market. These plans are roughly 3% – 27% lower in price compared to Hometown Health’s standard 2019 small group plans. The Carson Valley Association Plans are roughly 35% lower in price compared to Hometown’s individual and family plans.
Employers will save even more money by paying the premiums pretax. Through Section 125 of the IRS Code, employers can pay premiums pretax on eligible group plans. Individuals and families shopping on their own are not able to receive this pretax benefit. Individuals and families currently enrolled in coverage outside of a group plan must pay premiums post tax.
Plan Designs & Networks
The Carson Valley Association Plans are available in both HMO and PPO. There will be 3 Bronze HMO, 3 Silver HMO, and 3 Gold HMO plans. There will also be 3 Bronze PPO, 3 Silver PPO, and 3 Gold PPO Plans. A handful of these plans are HSA Compatible.
The network lists for these plans can be found here on Hometown Health’s website. HMO plans will use the Signature HMO Network. PPO Plans will use the Commercial PPO Network. Depending on the size of your business, you may qualify for a nationwide network for routine care on the PPO plans. Regardless of group size, both HMO and PPO plan members will have access to a national list of Emergency Rooms and Urgent Cares in specific emergency situations.
Sole Proprietors
Like many of the other Association Plans available in Nevada, sole proprietors can enroll in the new Carson Valley Association Plans. There are specific enrollment deadlines and guidelines for sole proprietors. If you are a sole proprietor, we recommend applying soon so you don’t miss out on these new plans! In 2019, sole proprietors will have the following enrollment deadlines:
- 4/30/19 Application submission date will give you coverage starting on 5/1/19.
- 5/15/19 Application submission date will give you coverage starting on 6/1/19.
- 6/15/19 Application submission date will give you coverage starting on 7/1/19.
If you miss these enrollment deadlines as a sole proprietor, please give us a call. We may be able to help you enroll through a Qualifying Life Event.
Quoting & Enrollment
Any health insurance broker in our Reno office can quote these plans for you today. We do not charge any fees to quote and enroll. We can also help you become a member of the Carson Valley Chamber of Commerce.
