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Understanding Your New Health Insurance Plan

by | Dec 10, 2024

What To Do Before Your Health Insurance Coverage Begins

If you’ve recently enrolled in a health insurance plan, there are several things that you can do while you’re waiting for your coverage to begin. Being proactive while you’re waiting for coverage can ensure that you receive quality healthcare.

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Understanding Your New Health Insurance Plan

Watch The Mailbox

While most hospitals, clinics and pharmacies can track down your health insurance information even if you don’t have your physical insurance card handy, this can be a tremendous hassle that may result in you paying for covered expenses out of pocket. After you’ve enrolled in a health insurance plan, keep an eye on your mailbox and email account to ensure that you receive important documents from your new health insurance provider, including your health plan ID card.

 

Visit Your Health Insurance Provider’s Website

While you probably visited your new health insurance provider’s website before your enrollment, this is a good time to visit the site again and learn how to navigate it. Some things to pay attention to are the pages that list in-network doctors and hospitals, coverage details, claim details and account balances. While you’re at it, this is also a good time to find out if your health insurance provider has a mobile app that you can download to your mobile device. Mobile apps are a convenient way to find care providers or view your digital insurance plan ID card.

 

Explore Your Network

Making the mistake of visiting an out-of-network healthcare provider can cost you money. Even if you choose a doctor or clinic that accepts your health insurance, that doesn’t necessarily mean that they are an in-network provider. Your health insurance agent may be able to provide you with a brochure from your new health insurance company that outlines in-network clinics that you can visit.

Quote and or Enroll

Select a Doctor

Once you’ve familiarized yourself with the in-network healthcare providers in your area, you should choose a primary care provider that’ll provide your routine care.

 

Schedule A Doctor’s Appointment

Once you’ve found a primary care provider, it’s time to schedule an appointment. Just make sure that your appointment date is set for after your coverage begins, or you may find yourself with a hefty bill.

 

Read This Additional Article

It will help you understand all the available options and services of your new health plan.

♦ Get The Most From Your Health Insurance Plan

https://www.nevadainsuranceenrollment.com/health/health-plan-benefits/

 

Let Nevada Insurance Enrollment Assist You With Understanding Your New Health Plan

Your health insurance agent from Nevada Insurance Enrollment doesn’t just help you find and sign up for a health insurance plan; they are also a valuable resource for helping you find out what your plan covers. To learn more about the health insurance plan that you enrolled in with Nevada Insurance Enrollment or to find a health insurance plan that will fit your budget and lifestyle, contact one of our health insurance agents today.

Hidden Pitfalls of Cheap Auto Insurance

Hidden Pitfalls of Cheap Auto Insurance

Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.

Hidden Pitfalls of Cheap Auto Insurance

How Financing Your Car Affects the Insurance Premium

However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.

Hidden Pitfalls of Cheap Auto Insurance

Adding Uninsured / Underinsured Motorist To Your Policy

Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.

 

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#4) Insurance Blog

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I Witnessed A Car Accident; What Do I Do?

A car accident can happen in the blink of an eye and witnessing one can be scary. After an auto accident, all drivers involved are required to stay at the scene where information is exchanged for auto insurance purposes. But what should you do if you witness a car wreck?

Accidents / Vandalism: Does Auto Insurance Cover Personal Belongings?

Personal items such as a tablet, wallet, or any personal valuables are not generally covered in your auto insurance policy. Those items would be covered in your homeowners/renters policy. You would have a deductible to pay for first, and then you’d need to consider the consequences of a claim on your homeowners policy.

Windshield / Glass Coverage

Windshield / glass coverage pays the amount of a covered glass loss, and as an added perk, it has a low deductible. Your insurer will cover the full costs of the repairs up to your policy limit, and as long as the costs of the damages don’t exceed your coverage limit, you’ll pay only your small deductible.

Term Life Insurance vs. Whole Life Insurance

Term life insurance policies will often have terms of one year to 30 years. Typically, the monthly premium (monthly payment) stays the same throughout the term of the policy. Whole life insurance provides coverage your whole life and it includes something called “cash value”. Think of it like a mini savings account attached to the policy.

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