Expertise.com

Best Health Insurance Agencies in Nevada

2024

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Health Insurance Agencies FAQs 〉

Providers

Last updated:

Website
Nevada
  • Individual Plans

Why choose this provider?

Gena Lombino is an insurance agent with Your Insurance Agency who has been serving residents in Nevada for the last 22 years. Gena assists in selecting the insurance plan that suits specific needs and financial requirements. She welcomes inquiries regarding life and health insurance and discusses the importance of clients protecting themselves and their families from unforeseen events. The agent is also available to conduct remote enrollments and provides phone service or comes to clients' houses for in-home consultations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.5
Google
3.0 / 5 (3)
Facebook
5.0 / 5 (1)

Website
Nevada
  • Individual Plans

Why choose this provider?

ProtectHealth has been serving individuals and families in Nevada since 2009. It offers health insurance policies, including off-exchange, on-exchange, group, GAP, short-term, and defined benefits. It helps clients determine the health insurance that fits their family size, needs, and employers' plans. It also assists with Medicare, Medicare Supplement, and Medicare Advantage plans. Additionally, it provides dental and vision coverages. ProtectHealth works with multiple carriers, including Aetna, Nevada Health Link, and Ambetter. It is headed by Brian Douglas, who has over 15 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (366)
Facebook
5.0 / 5 (14)

Website
Nevada

Why choose this provider?

Nevada Health Insurance Specialists offers medical insurance plans for families and businesses across the state. The team starts by assessing a client's needs followed by explaining the features and benefits of each insurance plan available. Its Medicare specialists also guide clients in understanding the process, may it be in English or in Spanish. The company has been cited on different media channels like CBS News, Fox5, ABC, NBC News, and WND.

Website
Nevada
  • Life Insurance

Why choose this provider?

Health Benefits Associates is a health insurance company assisting residents of Nevada for more than 20 years. Its agents carry individual and family health insurance, small business health plans, and Medicare. The company covers various Medicare needs, which include hospital insurance, doctor insurance, Medicare Advantage, and prescription drug coverage. As a local business, it provides options for local plans, such as Nevada Medicare Supplement and Advantage. Its president, Alex Sampson, is a third-generation Nevadan and has worked with the Affordable Care Act with Obamacare.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (328)
Yelp
5.0 / 5 (28)

Website
Nevada
  • Individual Plans

Why choose this provider?

Las Vegas Employee Health Insurance caters to people across Nevada. The agency deals with clients aiming to protect themselves against financial risks and offers individual health insurance policies. It sets up plans that help policyholders manage vision treatment and dental care-related expenses. For businesses looking to attract skilled workers and obtain tax benefits, the agency provides group health insurance policies. It has been in business for more than 20 years. It partners with firms like Blue Cross Blue Shield, Anthem, and Health Plan of Nevada.

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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