Health Insurance Quote Forms
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Health Insurance Information
What is health insurance?
Health insurance (also called medical insurance) is designed to pay for medical expenses and preventative health care. From Las Vegas doctors
office visits to surgery and hospitalization, health insurance will help pay for the majority of medical expenses.
How does health insurance work?
There are different types of Nevada health insurance plans that are designed to meet the needs and budget requirements of a variety of individual and family circumstances, including HMO and PPO plans, Point-of-Service policies, and Health Savings Account (HSA) options. Each plan type has unique features and benefits. In Nevada, insurance can be purchased individually or as a group through an employer.
The Affordable Care Act (ACA) standardized all Qualified Health Plans to help consumers compare Nevada health insurance plans on an "apples to apples" basis. The four primary levels of coverage are as follows:
Bronze: the plan must cover 60% of expected costs for the average individual
Silver: the plan must cover 70% of expected costs for the average individual
Gold: the plan must cover 80% of expected costs for the average individual
Platinum: the plan must cover 90% of expected costs for the average individual
Individual health insurance
The ACA has also made it possible for individuals to receive government subsidies or Advance Premium Tax Credits to help pay for health insurance through Nevada Health Link, Nevada's health insurance exchange. Availability depends on household income and family size. All health insurance sold in Las Vegas today is guaranteed issue. In other words, there is no medical underwriting and no one can be declined for coverage, nor charged and additional premium based on pre-existing conditions.
Elevate Insurance can help you enroll in an individual health insurance policy on or off the exchange. To see if you qualify for financial assistance to help pay for health insurance see our subsidy calculator.
Group health insurance
Group health insurance policies have the advantage of allowing company contributions and tax benefits not available for individual plans.
Our agency utilizes creative strategies to help Las Vegas employers and their employees navigate the Affordable Care Act. From defined contribution to self-funding employee benefit programs, we'll partner with your company to discover options that you may not have known were otherwise available.
In addition to health insurance, we offer many ancillary products such as life insurance, dental insurance, vision insurance, short-term and long-term disability income insurance.
Why choose Elevate Insurance as your broker?
Elevate Insurance is an independent insurance agency representing some of the most well known and respected health insurance companies available in Nevada, including Aetna, Anthem Blue Cross and Blue Shield, Health Plan of Nevada, Prominence Health Plan, Sierra Health and Life and UnitedHealthcare. We know the Las Vegas health insurance marketplace and will help you find the right policy to meet your insurance needs.
Elevate Insurance is one of the state's highest rated health insurance brokers in Las Vegas.