Group Coverage

A group health insurance plan is an insurance plan that provides healthcare coverage to a select group of people. Group health insurance plans are one of the major benefits offered by many employers. A group health insurance policy is purchased by an employer (or employee organization) and is offered to eligible participants, and to eligible dependents of participants. With group health insurance, the risk is spread over the company -- the number of participants covered. With group health insurance, the employer selects the plan (or plans) to offer to employees. The premium cost is usually split between the employer and employee, and there is a minimum percentage rate the employer must contribute to the premiums. Under federal law, small employers are guaranteed group coverage should they choose to purchase it, regardless of the employees' health status. A “small employer” is defined as a business with 2 to 50 full-time employees.

The group medical plan market has HMOs, PPOs, EPOs, POSs, HRAs, HSAs, Dual Choice Plans, Partially Self-funded plans, Fully Self-funded, and private insurance companies offering all types of plans. Each type of plan comes with a variety of deductibles, copays, definitions of covered charges, quality, and price. We will guide you through the maze of plans to pick out what is best for your company.

Some of the Group Health Insurance Carriers we represent:

Aetna, Anthem BCBS, Health Plan of Nevada, Prominence, Sierra Health and Life Insurance Co, National General, and UnitedHealthcare.

Individual Coverage

Individual health insurance can help prevent crippling expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.

Some factors that may influence the price of your plan are your age and your tobacco use. Almost anyone can purchase an individual or family health insurance plan, and you can no longer be declined based on your medical history. A high deductible health insurance plan has higher deductibles and lower premiums than most other health insurance plans.

You may also qualify for individual/family coverage through the Marketplace. Under the Affordable Care Act, consumers also have the option to purchase certain kinds of health insurance through government run “exchanges” or marketplaces. The Affordable Care Act (ACA or “Obamacare”) was created to reduce the amount of uncompensated care the average U.S. family pays for by requiring everyone to have health insurance or pay a tax penalty. Under the ACA, people who do not qualify for or want a subsidy, but who want to avoid the tax penalty, can buy major medical health plans that meet ACA coverage standards on or off of government-run state exchanges. Under the ACA, you typically cannot get major medical health coverage without a qualifying life event outside of open enrollment. This law changes often so it is important to know your options and responsibilities.

Some of the Individual Health Insurance Carriers we represent:

Sierra Health and Life Insurance Company and Health Plan of Nevada

If you are looking for individual/family or Group health insurance, it helps to get advice and ask questions. We are here to help you every step of the way.