In recent years, the Reno 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

In this upcoming year, we’re left with 3 individual medical insurance companies selling 2018 Nevada health plans. We’re losing most of the Aetna, Anthem, Prominence and Golden Rule for health insurance Nevada plans. Grandfathered plans that were in place before March 23rd, 2010 will stay effective, though the majority of plans are ending. Additionally, some of… Read More

As a health insurance broker, Our office offers health insurance Nevada plans for every insurance company in Nevada. As I go through the year though, I’ve noticed clients tend to start buying the cheapest plan from each insurance company. People are using the same reasoning to get to these 3 or 4 plans and I would… Read More

Open Enrollment Changes Every year, you can enroll or renew your individual medical insurance during ACA Open Enrollment. Open Enrollment extended from November 1st through January 31st in previous years. Recently, the Center of Medicare and Medicaid Services announced a few new Open Enrollment changes for 2018. From now on Open Enrollment will start on November 1st, but will… Read More

Have you ever received a medical bill that does not add up to the benefits on your health insurance policy? Is your Explanation of Benefits also confusing you? In the video below, we review the importance of reconciling provider invoices with your Explanation of Benefits. Explanation of Benefits’ abbreviation is ‘EOB’. Your insurance company issues… Read More

Group Health Plan Upcoming Changes Prominence Health Plan is implementing a few upcoming changes to employer coverage with Nevada. If you are a Nevada employer with Prominence Health Plan with coverage that renews later this year, give us a call today to learn more about your renewal. You can also learn more about the upcoming… Read More

A health insurance broker loves to talk about all the advantages of switching group health insurance companies, but they never talk about the pitfalls. Today I’m going to review the top 5 pitfalls when shopping or switching group health insurance Reno companies. To be clear I’m only talking about switching group health insurance Reno companies, not… Read More

  When an insurance company “changes” the rate, what they almost always mean is they’re increasing the rate. To those people who aren’t paying attention during the health insurance renewal, this could be an expensive surprise. By the time they realize what’s going on it could be too late to do anything about it! When is… Read More

Do you live near the border of California and Nevada with a PPO health insurance policy? An out of state provider network may be a better option. If so, you may want to reconsider how as well as where you use your medical coverage. Most insurance companies will offer a stronger out of state provider… Read More

CMS (Center for Medicare and Medicaid Services), who controls enrollment periods for states which use the FFM (Federally-Facilitated Marketplaces) enrollments, has just announced that there will be yet another Special Enrollment period in 2015. This includes Nevada. Their announcement specifies details of when the special enrollment period in 2015 is, and who qualifies for it. The… Read More