Competition in Healthcare Keeps Costs Down
The Affordable Care Act has brought health insurance to more Americans than ever before. However, while access to care has improved, the entire system is still inefficient, unreliable and cost-prohibitive. Among the primary causes of this persistent problem is the lack of competition. Consumers still have limited options when it comes to health insurance and health care providers.
More Health Insurance Options in 2020
Traditionally, short-term health insurance plans have been used during times of transition, allowing people to keep health insurance coverage while they’re waiting to obtain long-term comprehensive coverage. In most cases, limited-duration health insurance policies were available for three-month periods. However, as of this current date, 11/15/2019, these plans can be extended to 6 months in Nevada. The plans cannot be renewed. They do not provide pre-existing coverage, most wellness, and Rx is limited. The short term plans, however, provide great coverage for things that happen suddenly and unexpectedly. This option does provide Nevadans with some real insurance protection that is less expensive than an ACA plan. We caution, however, they are not a long term substitute for an ACA plan.
10/1/2019 Changed Everything For Nevadans
Prior to 10/1/2019, insurance companies were required to offer insurance to anyone covering pre-existing conditions with a 90 day wait, but that option is no longer available. This is why “Open Enrollment” from 11/1 to 12/15 of each year is more important than ever.
Signing Up for Health Insurance in 2020 with Nevada Insurance Enrollment
To find out more about the health insurance options available to Nevada residents in 2020 and to get help with finding the best plan for you, talk to a health insurance agent at Nevada Insurance Enrollment. We specialize in helping Nevadans navigate the ever-changing health insurance landscape and find a plan that is right for them, whatever their healthcare needs and budget.
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Auto Insurance Deductibles: What Are They?
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
How Much Auto Insurance Coverage Do You Need?
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.
Auto Insurance Coverage When Driving in a Different State
Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.