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Best Health Insurance Agencies in Paradise

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Alliance Insurance Agency logo
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License Verified:

License: 697002

Nevada Division of Insurance

Alliance Insurance Agency

2381 East Windmill Lane, Las Vegas, NV 89123
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  • Individual Plans
  • Life Insurance

Business Description

Alliance Insurance Agency creates custom protection plans from its Las Vegas location. Its team assists Paradise residents in several areas, including health insurance which covers Prescription Drug coverage and Medicare Advantage plans along with Medigap insurance. The agents compare multiple plans from different carriers in order to find suitable coverages for clients. They can also furnish dental, life, home, and property rental insurance policies. Alliance Insurance Agency, which has been in business for over 15 years, offers Spanish-speaking services.

License Verified:

License: 697002

Nevada Division of Insurance

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.
4.0
Google
4.0 / 5 (344)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Alliance Insurance Services logo
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License Verified:

License: 3375293

Nevada Division of Insurance

Alliance Insurance Services

2300 East Desert Inn Road, Las Vegas, NV 89169
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  • Individual Plans

Business Description

Alliance Insurance Services is a locally owned business located in Las Vegas. It provides insurance products and services to families, individuals, and businesses in the Paradise metro and surrounding areas. The company helps clients acquire health insurance plans to cover their surgical and medical expenses. Additionally, it offers other plans such as life, homeowners', renters', commercial, and workers' compensation insurance. Alliance Insurance Services is an independent agency that has been in the industry for over 20 years.

License Verified:

License: 3375293

Nevada Division of Insurance

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 (6)
Assurance Ltd logo
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License Verified:

License: 4397887

Nevada Division of Insurance

Assurance Ltd

5740 Arville Street, Las Vegas, NV 89118
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  • Group Plans
  • Life Insurance

Business Description

Assurance Ltd. is an Acrisure Agency Partner that serves businesses in Paradise. The company has been in the industry since 1952 and specializes in providing construction insurance, professional liability insurance, and employee benefits policies. The company is an independent agency that represents different insurance companies. In addition, Assurance Ltd. offers group health insurance, disability insurance, flexible spending account, and long-term care insurance. The company has provided insurance policies for construction contractors, trade specialists, and service-based industries.

License Verified:

License: 4397887

Nevada Division of Insurance

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.
4.3
Google
4.0 / 5 (6)
First Choice Insurance Group logo
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License Verified:

License: 3413028

Nevada Division of Insurance

First Choice Insurance Group

2670 Chandler Avenue, Las Vegas, NV 89120
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  • Life Insurance

Business Description

First Choice Insurance Group is an independent insurance company providing services to Paradise. It specializes in life insurance services to help individuals provide financial security and lifestyle maintenance to their families after their death. These life insurance products also allow clients to use their insurance benefits to pay taxes and final expenses, donate to charities, or give inheritance to their heirs. In addition, the agency offers other personal insurance products, such as flood, condo, auto, specialty dwelling, and renters' insurance.

License Verified:

License: 3413028

Nevada Division of Insurance

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 (87)
Facebook
5.0 / 5 (16)
Las Vegas Medicare Pros logo
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License Verified:

License: 689691

Nevada Division of Insurance

Las Vegas Medicare Pros

3680 South Maryland Parkway, Las Vegas, NV 89169
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  • Individual Plans

Business Description

Las Vegas Medicare Pros is an independent health insurance agency near Paradise. It has over 18 years of experience helping clients get the most value out of their Medicare insurance plans. Its agents take time to assess each clients' needs and present policies that fit their unique situations. With access to 73 insurance programs, the company offers a broad range of health insurance policies, including Medicare Advantage, Medicare dental, and Medicare supplement plans. Its 43 local agents have written over 3,000 policies for individuals and families.

License Verified:

License: 689691

Nevada Division of Insurance

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 (11)
Nevada Benefits logo
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License Verified:

License: 6266

Nevada Division of Insurance

Nevada Benefits

9505 Hillwood Drive, Las Vegas, NV 89134
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  • Individual Plans
  • Life Insurance

Business Description

Nevada Benefits is a team of health insurance brokers and financial professionals who are qualified to help clients who are located in the Paradise metro. They offer assistance to secure health plans for individuals, families, and even businesses. They also offer remote assistance to clients who are located in Pahrump, Reno, and areas within the Silver State. The Nevada Benefits team has members with more than a decade of experience in the field of insurance.

License Verified:

License: 6266

Nevada Division of Insurance

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.
4.5
Facebook
4.6 / 5 (15)
R & R Nevada Insurance Group logo
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License Verified:

License: 883779

Nevada Division of Insurance

R & R Nevada Insurance Group

2408 Chapman Drive, Las Vegas, NV 89104
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

R & R Nevada Insurance Group in Las Vegas is an insurance agency that provides insurance solutions and financial advice to clients in the Paradise metro. The firm has been operating for more than 35 years and specializes in health and life insurance lines. It offers health insurance plans such as Medicare as well as traditional coverage for HMOs, PPOs, and POSs. It also offers assistance in applying for and securing plans from the Affordable Care Act (Obamacare) programs.

License Verified:

License: 883779

Nevada Division of Insurance

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 (2)
Facebook
5.0 / 5 (1)
The Barend Agency, Inc. logo
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License Verified:

License: 18852

Nevada Division of Insurance

The Barend Agency, Inc.

918 East Sahara Avenue, Las Vegas, NV 89104
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

The Barend Agency, Inc., is an independent insurance agency serving Paradise and the rest of Nevada. It also assists clients in Utah, Florida, Arizona, and California. Established in 2003, the agency provides insurance products for individuals, small businesses, and Medicare recipients. These include individual health policies, vision and dental coverages, and life plans. The firm also offers accident insurance and identity theft protection. The Barend Agency is a member of the National Association of Health Underwriters and the Vegas Chamber.

License Verified:

License: 18852

Nevada Division of Insurance

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 (2)
Back to Providers

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.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

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