10 Things You Should Know About Getting Health Insurance in Nevada

This is a guest post by Phillip Randazzo, the Founder and Chief Executive Officer of Nevada Benefits Corporation, one of Nevada’s leading health insurance brokerages and financial advisors. Phil’s philosophy that “people don’t just get sick or need assistance Monday-Friday, 8:00 a.m. to 5:00 p.m” prompted him to service his clientele 7 days a week from 7:00 a.m. to 9:00 p.m. This exceptional customer service has helped to grow Nevada Benefits Corporation to the multi-faceted agency that it is today, servicing thousands of satisfied clients through referrals and recommendations.

So you’re a Nevadan in dire need of Health Insurance?

1. Match your current doctor with the carriers that are contracted with your doctor. This will insure spending the least amount of money for services due to the discounts that are given.
2. You receive extra personalized customer services by using a broker at no extra cost.
3. Insurance rates are the same whether you go direct to carrier or shop with a broker.
4. Understanding your plan means you understand the difference between deductibles and out of pocket maximums and that they are 2 separate exposures
5. Insurance carriers each have their own list of medications that they cover. These are called formularies, it is best to insure that your current medications are covered on their formulary.
6. Research the penalties for using non-network providers or going with a carrier that does not have out of area providers.
7. There are limited carriers that provide maternity coverage and the carriers that do have a 12 month waiting period for services related to maternity.
8. Insurance carriers are only required to give you 60 day notification of changing your rates mid-year, this would be after they filled the new rates with the insurance commissioner. It is important to research the carriers that guarantee at least one full year before rates can be altered.
9. Your contract with the insurance carrier is month to month and therefore can be cancelled with a 30 day written notification.
10. By completing and signing an insurance application, this gives carriers access to pharmacy listings as well as the MIB Medical Information Bureau which shows care that you have received prior to going on the coverage.

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