Why is Nevada Health Insurance so Expensive?

Drug companies need research money and Nevada doctors have to cover their rears from lawsuits.

Also many of us who live in Nevada lead lifestyles that are unhealthy. By taking charge of our lives and taking better care of ourselves, we can lead longer, healthier lives and spend less on healthcare. 

A few simple things you can do include:

• Get 8 hours of sleep a night
• Eat healthier
• Stop smoking
• Cut down or eliminate alcohol consumption and
• Exercise

 

For instant online side-by-side Nevada Health Insurance Quotes click here!

My Nevada Based Employer No Longer Offers Health Insurance

Gary’s boss recently announced that the company could no longer afford to provide him with Nevada health insurance and stay in business.

So Gary had to check out his Nevada health insurance coverage options.

All of the above can be accomplished right here on our blog. Just Click Here to research, choose and pay for your Nevada Health Insurance plan. If you need assistance, please call us at (702) 227-5727.

Nevada Health Insurance and Consumerism

Consumerism is defined as anytime the insured/employee has a choice. The best example of how this works is with prescription drugs. Nevada Health insurance carriers are providing more and more web based information on drug pricing and drug alternatives. When the Nevada consumer sees the true cost of prescription drugs they are more likely to try a lower priced alternative or generic option. When the alternative drug is successful in treating their ailment – the Nevada consumer wins by saving money. In the more traditional co-pay type health plans, the consumer has zero incentive to move to a lower cost alternative and the drug companies win.

Nevada Insurance Companies and Prescription Drugs

This short video explains how the insurance companies classify different types of prescription drugs.

Discussion of co-pays and how generic, brand and very expensive drugs are categorized.

For instant side-by-side individual and family Nevada health insurance plans Click Here!

Nevada Health Savings Account (HSA) Qualified Plans

A Nevada Health Savings Account (HSA), is a tax- advantaged medical savings account available to taxpayers who are enrolled in a High Deductible Health Plan (HDHP).

The HDHP must be considered an “HSA Qualified Health Plan” in order for the Nevada resident to open a HSA.

HSA Participants do not have to obtain approval from thier HSA trustee (or bank) or their medical insurer to withdrawl funds, and the funds are not subject to income taxation if made for qualified medical expenses.

In a nutshell – a HSA is an IRA for your medical needs. See below for more information.

For more information please Contact Us and one of our dedicated benefits consultants will be more than happy to assist you.

How to Choose the Right Nevada Healthcare Plan

Basic Nevada healthcare plans are designed to protect your finances in the event of a major illness or serious injury. They dont cover smaller, out-of-pocket expenses like doctors office visits, and they generally cost less.

Comprehensive Nevada healthcare plans cost more in monthly premium, and your smaller, out-of-pocket expenses like office visits are generally covered by a co-pay.

If you have a young healthy Nevada family and are tired of paying high monthly premiums for your families premiums – a Health Savings Account Qualified Plan may be the right choice for you – watch this video!

For more information on Individual and Family Nevada Health Insurance please contact Anna Pallan at (702) 646-8580

Nevada Voluntary Benefit Programs

Nevada Voluntary benefits are insurance products that employees may choose to purchase through their employers at rates that are lower than they could get on their own.  These vountary benefits should be designed to compliment your existing employee benefit program.  We provide Nevada vountary benefit programs from carriers like; AFLAC, Allstate, Colonial, Humana and TransAmerica – we help your employees save money on thier voluntary benefits.

A few examples of voluntary benefits are dental, vision, life, disability, supplemental health and Nevada cancer insurance.

Many Nevada employers offer voluntary benefits because they allow companies to provide a more robust benefits package at no cost to the employer.

 

For more information or to have Capstone Brokerage develop a Voluntary Benefits Program specific to your Nevada Company – please contact us!