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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. Insurance Group of Nevada provides quality and comprehensive medical insurance for clients who live in the US and clients who live or work abroad. Contact us today for a no obligation quote. 

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)

• HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
• HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)

• These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
• If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.

High Deductible Health Plan (HDHP)

• High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
• If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan

• A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
• Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
• Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
  
  Contact us to learn more about the right health insurance for you.

(702) 996-6434​
1415 Arville Street
Suite 101
Las Vegas, NV 89102
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Ready to Enroll 

Considering applying for health insurance through healthcare.gov? There is a few things that you will need before applying. 

1. Valid State or Federal identification 
- Drivers License 
- Alien Registration Card
- Student ID card for dependent children 

2. Social Security Card 
- Date of birth of all tax household members 

3. Proof of Nevada Residency 
- Example, phone or Nevada Power bill

4. Household income estimate 
- Previous tax return or current pay statement for all tax household members 

5. Current health insurance information