Get Quotes on Dental Insurance in Nevada
At R&R Nevada Insurance Group, we work with top leading carriers that provide dental insurance. Plans differ primarily in how much you'll have to pay monthly for your coverage and how much you'll have to pay when dental services are rendered. Compare Nevada dental insurance plans and select the dental plan designed to meet both your dental care needs and budget.
How Does NV Dental Insurance Work?
Nevada dental insurance works in much the same way that medical insurance works. For a specific monthly rate(or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
NV Dental Plans
Similar to medical insurance plans, Nevada dental insurance plans are often categorized as either Indemnity or managed-care plans.
Typically, Nevada Indemnity plans offer a broader selection of dental care providers than managed-care plans. With an indemnity plan, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier later.
Managed-care plans typically maintain dental provider networks. Nevada dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.
NV Dental Resources
Nevada Dental Association - Organization representing dentists in the state of Nevada. Provides dental information and resources to Nevada residents.
Get Quotes on Group Vision Insurance in Nevada
Offer your employees affordable vision coverage for prescription eyeglasses and contacts, as well as regular exams with local Nevada optometrists and ophthalmologists.
At eHealthInsurance, we work with leading Nevada insurance providers to bring you the best vision insurance plans available. Get instant quotes, learn about plan benefits and apply online for Nevada group vision insurance.
Advantages of Offering Group Vision Insurance
Comprehensive vision care benefits - including coverage for exams and prescription eyewear - are not included in many health insurance plans, but don't overlook it! Vision benefits have actually increased in popularity over the years as more employers recognize that proper vision care is an important part of a comprehensive health benefits package.
Federal Tax Credit for NV Small Business Vision Plan Coverage
In 2010, the President signed into law the Patient Protection and Affordable Care Act, which includes special federal tax credits for small businesses in Nevada offering vision insurance to employees. The credit is only available for tax years 2010-2013 and is designed to make health insurance benefits more affordable for small business owners before health reform is fully implemented in 2014.
The federal tax credit will reimburse qualifying small businesses in Nevada for up to 35% of the premiums they pay towards employee vision insurance. Tax-exempt organizations may qualify for a tax credit of up to 25%. To qualify for the full credit, the following criteria must be met:
- The company employs fewer than 25 full-time workers (or equivalent)
- Average annual wage per worker must be less than $50,000
- The employer must currently pay at least 50% of the total premium for employee vision insurance (not counting dependents)
Nevada small businesses with fewer than 10 full-time employees that pay average annual wages of $25,000 or less may qualify for the full credit. The amount of the credit is reduced for companies with more full-time workers and higher wages, until it is phased out entirely for those with 25 or more full-time workers and average annual wages over $50,000.
Because eligibility rules are based in part on the number of full-time employees, not the total number of all employees, Nevada small businesses that use part-time help may qualify even if they employ more than 25 individuals.
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