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LowNevadaRates.com will help you find affordable health and medical insurance. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Nevada health insurance companies.

Health insurance protects you and your family from large out-of-pocket medical expenses that can accumulate during an illness or hospital stay. Many employers provide basic medical insurance under a group policy for company employees. Due to economic pressure, most companies are cutting costs and passing more of the burden of health care coverage on to employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. As healthcare costs are on the rise, the burden of healthcare costs is becoming more and more significant. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are two basic categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The main differences between the two are evident in how you select a provider, how out of pocket costs are handled and how your medical bills get paid. Under an indemnity policy, you choose the doctor or hospital when seeking services. Under a managed-care plan, you select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Generally you should opt for your employer provided healthcare if available. It is usually the lowest cost option. The second most affordable option is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

Nevada's state sponsored Check Up program provides low-cost health care to low income, uninsured children ages 0 through 18 years who are not covered by private insurance or Medicaid. The program covers most medical, dental, and vision services. To be eligible for this Children’s Health Insurance Program the child must not be eligible for Medicaid, must meet certain residency requirements, must be under 19 years old without healthcare coverage for the past six months and the family's income must be between 100% and 200% of the Federal Poverty Level. Premiums are based on the family income and size. Nevada also provides a Check Up Plus program that provides assistance to parents who work for small businesses. The program provides up to a $100 per month per parent (maximum of $200 per family) to help offset the increasing cost of the medical insurance. There are individual and business eligibility requirements so be sure to check with the state to see if you and your employer qualify for this program.

We service customers from Las Vegas, Reno, Henderson, North Las Vegas, Sunrise Manor, Paradise, Spring Valley, Enterprise, NV and other great cities in The Silver State helping them find low cost health insurance from top rated insurance companies. Nevada health insurance premiums vary amongst insurers and plans. To help lower your premiums, compare multiple quotes at least annually. We make the process easy.