health insurance
Individual Health
Comprehensive health insurance is
the type of insurance coverage that covers the cost of medical and surgical expenses of an insured. Nevada Silver Health Insurance, located in Reno,
has many options for your family’s individual health insurance. Plans can be purchased privately or through the Nevada State Exchange Marketplace, Nevada Health Link, where you can receive premium tax credits towards your premium depending on your annual household income.
Workplace & Group
Are you a business owner? If you are, you know that your employees are your greatest asset. So why not take care of them and make sure that they are feeling their absolute best. A group insurance plan provides healthcare coverage to employees. Group health insurance plans are one of the major benefits offered by many employers. If you want to stay competitive in the job market and attract the best talent, make sure that you offer the best health insurance benefits.
Dental & Vision
The right insurance can make dental care easy and affordable and reduce eyecare expenses. Good oral health
can lead to an improved quality of life and help avid unforeseen situations that could be painful, inconvenient
and expensive.
Many of our plans offer additional Vision and Hearing supplements at
no or low, additional fees.
Individual health insurance
Why use an agent
when I can just do it
online myself?
The last couple of years has represented more change with health insurance in the Reno market than perhaps the previous 20 years combined. It is important to have an advocate who understands the market and can help you select the right health insurance plan for yourself and your family.
At NO cost to you…
we represent the top health insurance companies in Nevada and will help you find the perfect policy tailored to your healthcare needs and budget.
How do I know which plan
is right for me?
Why can’t you just pick one
for me?
We begin with a thorough review of:
1. Your current doctors or specialists you will need in the near future
2. Recent prescriptions especially generic versus brand, tablet or
capsule costs.
3. Lastly pricing, making sure you can financially afford the
plan you choose
We want to make sure that your plan is the
best fit for you!
COmmon health link questions
As a preferred Nevada Health Link broker in Northern Nevada, we are asked a number of questions about the “Exchange”. Here are just a few of the questions we come across for health insurance or other places we serve. If you have any other questions, our agents are available to help you!
How are monthly
premiums calculated?
- Age
- Zip code
- Yearly Adjusted Gross Income
- Tobacco usage
- Individual vs. Family Enrollment
- Plan category (How much coverage you would like)
How do the Tax credits
work?
The federal government gives you a tax credit to offset the cost of your Reno health insurance. For more detail regarding tax credits, please contact our agents.
Can I qualify for a subsidy through Nevada
Health Link exchange if my employer offers me
coverage?
Yes, but only if your employer’s plan does not meet the minimum essential coverage or if the premium (in the least expensive plan) is more than 9.69% of your income.
What forms will I need
for our appointment?
At times you may be required to submit documents to verify your personal information such as:
- Income (a recent pay stub)
- Citizenship (naturalized, additional documentation)
- Notification of life change (marriage, birth or death certificates)
- Native American or Alaskan Native status
What if I have medical issues or pre-existing
conditions, do they matter?
There are no pre-existing conditions requirements, you can still enroll in a health insurance plan.
Gina Aguerre, John Collier, and our dedicated team of
agents understand your concerns with finding the right
plan. We’re here to help you choose the best plan that
fits your budget, meets your needs, and enhances your life.
Need a quick quote? Give us a call at 775.829.1221
workplace & group health insurance
Employer Benefits for
Small Business
Employee benefits provide health insurance for employees and their families that protect them from life’s unforeseen illness, sickness, and accidents that can occur at any time. These benefits can be partially or fully paid by an employer and usually the cost of these benefits is more cost effective than if purchased separately on individual plans.
We offer the following Small Business Benefits for sole proprietors and/or business with two more employees.
- Group Health Insurance
- Group Dental & Vision
- Group Short & Long Term Disability
- Group Long Term Care
- Group Retirement Plans
Gina Aguerre, John Collier, and our dedicated team of
agents understand your concerns with finding the right
plan. We’re here to help you choose the best plan that
fits your budget, meets your needs, and enhances your life.
Need a quick quote? Give us a call at 775.829.1221
DENTAL & VISION insurancE
Oral health is vital to a persons over health and wellbeing. When a person’s mouth, teeth, and gums hurt due to irregular checkups or improper daily care, it affects an individual’s ability to concentrate and be productive.
Vision care coverage is available to help individuals who are seeking good eye health, who wear glasses or contacts to
correct their eyesight, or have contact lenses that need to be replaced after an exam each year.
Gina Aguerre, John Collier, and our dedicated team of agents
understand your concerns with finding the right plan. We’re
here to help you choose the best plan that fits your budget,
meets your needs, and enhances your life.
Need a quick quote? Give us a call at 775.829.1221