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Archive for insurance

Nevada Life Insurance

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying Nevada life insurance does not have to be a hard task to do.

Nevada life insurance is here and all you have to do is fill out on of our Nevada life insurance and you will get quotes from multiple health insurance companies. Our highly trained Nevada life insurance agents will guide you through the health insurance process.

Nevada life insurance can be generated by one of our highly qualified health insurance agents. You will be given quotes from Nevada life insurance to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. Nevada life insurance can save you a ton of money each year.

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Employers Insurance Company of Nevada

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying health insurance in Nevada does not have to be a hard task to do.

employers insurance company of Nevada is here and all you have to do is fill out on of our employers insurance company of Nevada and you will get quotes from multiple health insurance companies. Our highly trained employers insurance company of Nevada agents will guide you through the health insurance process.

employers insurance company of Nevada can be generated by one of our highly qualified health insurance agents. You will be given quotes from employers insurance company of Nevada to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. employers insurance company of Nevada can save you a ton of money each year.

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Private Health Insurance Nevada

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying health insurance in Nevada does not have to be a hard task to do.

Private health insurance Nevada is here and all you have to do is fill out on of our private health insurance Nevada and you will get quotes from multiple health insurance companies. Our highly trained private health insurance Nevada agents will guide you through the health insurance process.

private health insurance Nevada can be generated by one of our highly qualified health insurance agents. You will be given quotes from private health insurance Nevada to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. private health insurance Nevada can save you a ton of money each year.

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Nevada Health Insurance

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying Nevada health insurance does not have to be a hard task to do.

Nevada health insurance is here and all you have to do is fill out on of our Nevada health insurance and you will get quotes from multiple health insurance companies. Our highly trained Nevada health insurance agents will guide you through the health insurance process.

Nevada health insurance can be generated by one of our highly qualified health insurance agents. You will be given quotes from Nevada health insurance to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. Nevada health insurance can save you a ton of money each year.

Just fill out one of the health insurance forms on this site and you will be given the most competitive insurance quote.

Health Plan of Nevada Insurance

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying health plan of nevada insurance does not have to be a hard task to do.

health plan of nevada insurance is here and all you have to do is fill out on of our health plan of nevada insurance and you will get quotes from multiple health insurance companies. Our highly trained health plan of nevada insurance agents will guide you through the health insurance process.

health plan of nevada insurance can be generated by one of our highly qualified health insurance agents. You will be given quotes from health plan of nevada insurance to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. health plan of nevada insurance can save you a ton of money each year.

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Blue Cross Blue Shield of Nevada

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying Blue Cross Blue Shield of Nevada does not have to be a hard task to do.

Blue Cross Blue Shield of Nevada is here and all you have to do is fill out on of our Blue Cross Blue Shield of Nevada and you will get quotes from multiple health insurance companies. Our highly trained Blue Cross Blue Shield of Nevadaagents will guide you through the health insurance process.

Blue Cross Blue Shield of Nevada can be generated by one of our highly qualified health insurance agents. You will be given quotes from Blue Cross Blue Shield of Nevada to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. Blue Cross Blue Shield of Nevada can save you a ton of money each year.

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Blue Cross Blue Shield of Nevada

Best Nevada Health Insurance

InsureNV.com is the leading web-destination for individuals, families, kids and seniors to learn about, compare and buy health insurance and dental insurance in Nevada. Buying health insurance in Nevada does not have to be a hard task to do.

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best nevada health insurance can be generated by one of our highly qualified health insurance agents. You will be given quotes from best nevada health insurance to ensure you get the most competitive health insurance. Getting health insurance quotes in Nevada will continue to be an easy thing to do. best nevada health insurance can save you a ton of money each year.

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best nevada health insurance

Conversion Policies

In Nevada you are given the right by law to enroll in individual health insurance after losing a group health plan. This is called a conversion policy, and implies that you are converting from one plan to another. Rather than switching from one provider to another, you are only changing from group health insurance to individual health insurance under the same plan.

In Nevada, Indemnity health insurance companies must provide conversion policies with their group health plans. HMO’s are not required to offer conversion policies, but many of them do anyway. All of the rules and guidelines for conversion policies are the same, regardless of whether it is under an HMO or Indemnity.

You are eligible for a conversion policy if you were covered by the group plan for at least three months. You have to pay the first premium within 31 days of being given the conversion information. You cannot have other health insurance, including Medicare, or be qualified to have it.

If an insured person dies, the family members or dependents may obtain conversion rights. Conversion is also available to children of divorce or former spouses, as well as to a child who loses dependent status. There is no federal requirement for obtaining conversion policies, so if you meet these criteria then you will generally be able to obtain one.

Conversion policies vary, as you can choose different plans. Usually you will get a choice of two different plans. One is basic and one is a standard health benefit plan. You will receive nursing services, X-rays, emergency care, physician services, prescription drug coverage and rehabilitation. Unlike continuation coverage and COBRA, the coverage will probably not be the same as it is under the group plan.

Conversion policies do not use pre-existing condition exclusions, but if you were in an exclusion period under your former group health plan, you may need to finish the exclusion period before obtaining the conversion coverage.

Conversion policy premiums are usually much more expensive than normal premiums, but there are limits on how much you can be charged. Premiums may be less or more depending on your state of health, how old you are and other similar factors that may determine your need for healthcare.

For more information on conversion policies, refer to the Nevada Division of Insurance.

Nevada Continuation Coverage

In some cases, you may continue to receive health insurance coverage from the same provider that you had under your employer, even after losing your job. This takes some weight off of you during the time that you are looking for a new job and new insurance. You will be able to receive your insurance just like you were before, you will just be paying more for it. More expensive coverage is better that none!

In Nevada, there is a law like COBRA designed specifically for employees under small employers. The law lets you receive continuation coverage for up to 18 months. Your dependents may be able to receive the continuation coverage for up to 36 months, depending on various factors.

You are a candidate for continuation coverage if you were covered under your old group health plan for 12 months or more. You cannot receive continuation coverage if you quit your job voluntarily, you must have been fired. You must apply within 60 days of losing your job.

Sometimes with COBRA, the employer will pay a share of the premium. With continuation coverage, you must pay the entire premium. You will also be paying a premium that costs 25 percent more than your premium under your old insurance plan.

If you stop paying your premiums, your old plan is cancelled or replaces, or if you become eligible for other insurance, your continuation coverage will most likely be terminated.

Usually your employer will be able to explain continuation coverage to you if you are interested. You can also contact the Nevada Division of Insurance and they can supply you with any additional information about continuation coverage and Nevada’s specific regulations.

A Summary of COBRA

What’s worse than losing your job? You might be thinking about the loss of insurance, which is a great loss in itself. The good news is that you will not always be left hung out to dry. Even if you lose your job or quit, you may still be covered under COBRA. Sometimes you will be able to use a conversion policy to purchase an individual plan, but COBRA is more reliable as an immediate form of coverage after your plan ends.

There are 3 criteria that you must meet in order to receive COBRA. You must have worked under a large employer with 20 or more coworkers, although if you worked for a smaller employer you may be eligible for continuation coverage. You must also be covered/have been covered under the group health plan or be the dependent of someone who was covered by the group plan. Also, there has to be some event that causes you to lose your group health insurance.

The loss of a job, regardless of whether you were fired or you quit, is considered an acceptable event for employees applying for COBRA. However, the reason for leaving the job cannot be related to salary or misconduct. If you are the spouse of the person who was under the group plan, the events considered for COBRA are your spouse losing his or her job, your spouse becomes eligible for Medicare and therefore does not have the same insurance anymore, you and your spouse are divorcing and legally separating, or your spouse left you a widow. Furthermore, if the person with the insurance dies, all dependents including children are eligible for COBRA. Children who lose dependent status for whatever reason may also apply.

You can obtain COBRA for your dependents or they can apply separately. Any person who qualifies for COBRA can choose to use it or not use it. You must use up any continuation coverage you may have before being eligible for the COBRA coverage.

You must be informed of the COBRA rights and options upon signing up for a group health plan, and again if and when you qualify for the COBRA coverage.

If the reason for applying for COBRA involves a death or termination of job, the employer has 30 days to relay that to the insurance provider. If it is a personal qualifying event, you have 60 days to contact your group health provider. The provider than has 14 days to give you a response and status of your application. Your family members also have 60 days to apply for COBRA.

Once you obtain COBRA, you will have to pay for premiums dating back to the event that qualified you for coverage. So if you lost your job two months ago and just got COBRA, you will have to pay for those two months that have passed and then also the new premium amount.

Your benefits under COBRA will be the same that you had under your insurance plan. If the employer changes the benefits package after your qualifying event, you will be able to receive those additional or different benefits as well.

You will not be susceptible to pre-existing conditions hoopla under COBRA, unless you were in an exclusion period when your qualifying event occurred.

COBRA coverage costs the same as the normal insurance premium plus two percent for administrative fees. If you choose the disability extension, it will be 150 percent more than the total cost of coverage.

COBRA coverage lasts 18 months if it is due to job termination or cut in hours. You can be covered for 36 months under COBRA if your qualifying event was related to Medicare, divorce or death. When children lose dependent status, they can receive COBRA for 36 months. For those with disabilities, coverage can go up to 29 months.