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Health insurance policies can be confusing and finding providers that work with your insurance company in Reno can be a challenge. Seeing an in-network physician in an in-network medical facility is the only way to limit your out-of-pocket medical expenses to the minimal amount possible. Unfortunately, it’s common for patients to receive surprise medical bills from a provider who they thought was in-network but turned out not to be. 

So, how do you ensure you find an in-network medical provider that is covered by your insurance policy? NV Silver Life & Health Insurance Agency is here to clear things up. 

health insurance

Health Insurance Coverage 

In-Network vs Out-Of-Network 

To understand your health insurance coverage, you must understand how insurance networks function. Networks are created by insurance companies who then ask healthcare providers to charge patients a specified rate for particular services. Providers that agree to the suggested rates are considered “in-network providers”. If a provider does not agree to the rates and does not join the network, then they would be considered an “out-of-network provider” with your insurance company. 

In-network providers’ services are covered to a certain degree (depending on your health insurance policy) while out-of-network services may not be covered at all, leaving the patient to pay their medical bill in full. 

When it comes to health insurance, things aren’t always so cut and dry. There are several factors involved that can affect the coverage you receive. For instance, an in-network hospital or medical facility may contract out-of-network providers or physicians to work in their offices. So while the facility which you visited may be in-network and therefore covered, the doctor is not covered by your insurance because they are out-of-network. 

Verifying In-Network Providers

There are multiple methods for verifying which healthcare providers are in-network with your insurance policy. To ensure your services are covered by your health insurance, be sure to verify your coverage with the facility and the practicing physician before your scheduled appointment. And remember, just because the medical office or hospital falls under your insurance coverage plan, doesn’t mean that the doctor is. 

health insurance reno Connect with NV Silver Today 

Finding a medical provider that is covered by your insurance policy can help alleviate a lot of stress surrounding your medical needs. Medical costs are a top reason why Americans aren’t actively seeking medical care. This is especially true for seniors in need of health insurance. Connect with the insurance agents at Nevada Silver today! 

Ensuring you or your loved ones are covered for long term care should be top of mind for anyone nearing their senior years. This November is National Long Term Care Month, a movement that was started to emphasize the importance of long-term care and how important it is for people to get involved in preparing for their future. As we age we begin to realize the need for having adequate health coverage, but often lack the information necessary to obtain it. Fortunately, working with Nevada Silver Life Insurance, the state’s only Nevada health link preferred broker, makes obtaining long-term care insurance a breeze. 


Learn more about Long Term Care Month and your insurance coverage options with Nevada Silver Life and Health Insurance by reading below. 


Long Term Care and Insurance


Long-term care is often necessary for seniors who are unable to handle daily tasks such as eating, bathing, or dressing on their own. These needs commonly go unmet due to a lack of proper long-term care coverage and accessibility, resulting in family members taking on the role of caregiver for their loved ones. However, this isn’t always possible as many adults have other responsibilities such as work that impede this possibility. 


On average, 78% of adults receiving long-term care rely solely on their family or friends for assistance. The caregiver typically spends 21 hours a week caring for their loved one and roughly 90% of these people had to permanently alter their work schedules to provide such care. 


Long-term care insurance ensures that those who require long-term care get the assistance they need while allowing their family members to continue their daily routines.  


Medicare Open Enrollment 


Medicare is ideal for individuals who are turning 65 or are over the age of 65 and are looking for health insurance that will help them maintain their current health and protect them from circumstances that are unplanned. Medicare open enrollment for seniors consists of two main parts; Part A and Part B. Seniors who take advantage of Medicare health insurance must enroll in both Parts A and B to be considered covered.  

Medicare Supplements, also called Medigap Plans, are designed to help pay for certain health care costs that are not covered by Medicare Parts A or B. Likewise, Medicare Advantage Plans offer people with Medicare additional benefits beyond the standard Medicare coverage through an approved HMO. 


Medicare Open Enrollment began on October 15th and will remain open until December 7th. If you need help enrolling in Medicare benefits, the expert insurance agents at Nevada Silver are there for you. There’s still time to get your Medicare benefits this year. If you are in need of assistance enrolling or reviewing your current plan contact us today! 


Nevada Health Link Open Enrollment 


Nevada Health Link is a resource available to all Nevadans that helps them find affordable health insurance plans that meet their unique needs and budget. Nevada Silver Life and Health Insurance Agency has many options for your family’s individual health insurance. 


You can purchase plans privately or through the Nevada State Exchange Marketplace, Nevada Health Link, which makes the process of signing up for health coverage simple. There are other benefits to purchasing health insurance through Nevada Health Link such as receiving premium tax credits and subsidies to cover the cost of your health insurance.


Nevada Health Link’s Open Enrollment will begin on November 1st and runs through January 15th. To ensure you receive health coverage by February 1, 2022, connect with Nevada Silver. As the only Nevada Healthlink Preferred Broker in Northern Nevada, we’re able to provide the most streamlined assistance possible.


Are you interested in working with certified health insurance brokers? Our agents at NV Silver Life and Health Insurance are here to help you find the best plan for you. Contact us today!

John collier, LUTCF, FSS, CC
Fax: (775) 826-2516
NV License #2545207
Gina Espinal-aguerre
Fax: (775) 826-2516
NV License #17287151
Mary Lou Urrutia
Fax: (775) 826-2516
NV License #3590623
David Moncuse
Fax: (775) 826-2516
NV License #3589736
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