Choosing your own health insurance plan can be overwhelming. Whether you’re self-employed, unemployed, or have taken early retirement, securing protection from high health care expenses is vital. At Capital Health Insurance of Nevada, we understand. That’s why we offer a variety of affordable medical insurance plans for individuals in Nevada.
The insurance agents at Capital Health Insurance of Nevada are licensed and trained to find the best health insurance policies for individuals, families and small businesses. We work with the best insurance companies in the country to find you the most affordable health insurance policy in Nevada.
Capital Health Insurance of Nevada is also a certified agency for health insurance under the Affordable Care Act also known as Nevada Health Link. We are certified to help our clients navigate through the exchange and find the highest quality plan for the most affordable price. Please call our offices and set up an appointment today!
Some frequently asked questions about health insurance in Nevada.
How much does health insurance cost?
The price of individual health insurance policies in Nevada varies greatly on your needs. We will conduct a comprehensive search and review of leading insurance companies to create a health insurance policy that’s right for you.
How much will I pay for my monthly premium?
Many factors dictate how much you’ll need to pay for your individual health insurance premium in Nevada, including Age, Plan Design, Zip Code, Income and Tobacco use. Our agents will sift through the information and work directly with the best insurance companies to find the best policy that meets your needs and budget.
Most health insurance plans are serviced through either a “Preferred Provider Organization” PPO or a “Health Management Organization” HMO. These plans form a network of doctors, hospitals, medical centers, specialists, labs and pharmacies all under contract with a specific managed care organization. PPO plans have been around the longest, and due to their flexibility and lower out-of-pocket costs, they are still the most popular as of 2016. However, the number of HMO plans are increasing at a faster rate due to the fact they tend to charge lower premiums.
What is an HMO?
HMO stands for “Health Maintenance Organization”. With an HMO plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. HMO provides comprehensive health care to a voluntarily enrolled group at a predetermined price. All your care is coordinated through that PCP.
What is a PPO?
PPO is a “Preferred Provider Organization”, which is an association that contracts with a group of doctors, dentists, hospitals or other health care service providers to offer care at prearranged rates or discounts. A PPO allows plan participants relative freedom to choose the doctors and hospitals they want to visit. Obtaining services from doctors within the health insurance plan’s network, called “preferred providers,” results in lower fees for policyholders, but the premiums for PPOs are typically higher as a result.
Selecting the right health insurance policy can be confusing. Don’t neglect protecting your health or your financial security. Let our friendly agents help you! Call, click or stop by any of our convenient locations in Reno or Carson City today.
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