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Nevada Health Insurance
Quotes -
Nevada
Group Health Insurance Quotes -
Short Term Instant Health Insurance Quotes
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Welcome!
Thank you for
taking the time
to visit
SilverStateInsurance.com.
This sight is
owned and
operated by Capstone
Brokerage, Inc
- A licensed
Insurance agency
based in Las
Vegas, Nevada.
As your Nevada
Insurance Broker
our goal is to
educate you on
the various
policies
available to
individuals and
businesses in
the state of
Nevada.
We believe in
full disclosure
of every policy
our clients
purchase.
By arming our
clients with
this information
they can make
the right choice
and purchase the
Nevada Health
Insurance plan
that best suits
their needs. |
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We are focused
into two areas of Insurance. Those
being; Nevada Health Insurance for the
Self-Employed and Nevada Group Health Employee Benefit Programs - Keep
the below points in mind when shopping for
your Nevada Health Insurance plans.
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Self
Employed Health Programs can vary
significantly here in Nevada
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Self
Employed Health Plans differ greatly
from Corporate Group Health Plans
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Individual Insurance Plans are not
guaranteed issue
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Whether you purchase your Individual
Health Plan directly through the carrier
or through an agent / broker you pay the
same price
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Just
because one carrier was good in one
state doesn't mean that carrier is good
in all states
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Small
Group Health Insurance Plans are
guaranteed issue
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Group
Health Insurance pre-existing condition
exclusions are very different from
Individual Health Insurance Plans
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Here
in Nevada, Disability Insurance is one
of the most important ancillary benefits
you can offer to your employees - Nevada
does not have a state funded disability
program
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We
feel that "In Network" Nationwide
provider access should be one of your
decision making factors when selecting
your group or individual Nevada health
plan
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Always check the insurance carriers
AM Best Rating
-
It
may not always be in your best interest
to stay on COBRA just because you have a
good rate
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Health
Savings Account Qualified Plans
The
newest forms of Nevada Health
Insurance are Health Savings
Account Qualified Plans.
These plans were made permanent
in 2004 and already have
attracted more than 7,000,000
policy holders.
We
have seen these
plans work very well for
individuals and family's who are
over the age of 30 and generally
in good health. By raising
deductibles and saving the
premium difference into a tax
deferred Health Savings Account
it is very likely that a family
can save over $14,000 over a
period of 5 years with out
compromising coverage -
see this example.
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HSA's offer significant tax
advantages
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You can see significant
premium savings by
purchasing an HSA qualified
health plan
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HSA Qualified plans work
very well for the Self
-Employed
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For 2009 the maximum family
contribution to an HSA is
$5,950. Your
contribution limit is no
longer tied to the
deductible of your HDHP.
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For 2009 the maximum single
contribution to an HSA is
$3,000. Your
contribution limit is no
longer tied to the
deductible of your HDHP.
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Once you turn 65 you can
reimbursed your Medicare
Part B premium to yourself
on a tax-free basis
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HSA' Roll over from year to
year - there isn't a "use it
or loose it provision" like
there is with Flexible
Spending Accounts (FSA's)
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HSA's are never taxed when
the money is used for
qualified medical expenses
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Once you turn 65 you can use
your HSA funds to pay for
some insurance premiums
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You can use your HSA funds
to pay for an immediate
family members out of pocket
medical expenses on a tax
free basis
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In
most instances an employer
can contribute to an
employees HSA
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Disclaimer: This website is
not intended to advise on tax or
investment related issues; as with
all investment and tax related items
you should check with your own
financial or tax professional.
Even though the information on this
site has been pulled from reliable
sources you should always check with
a licensed professional specific to
the questions and concerns that you
have based on your own situation.
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Insurance Menu
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for Nevada Insurance
Carriers
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Of Interest
Capstone
Brokerage, Inc
2675 S. Jones
Blvd
Suite 102
Las Vegas, NV
89146
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A great solution when you're
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Apply On-Line
Through These
Carriers
Specializing in Nevada Health
Insurance for the Self-Employed
and Businesses of All Sizes.
Last updated
Sunday,
December 21st, 2000
Copyright
2003-2008 --
SilverStateInsurance.com
is owned and operated by Capstone
Brokerage, Inc - a
licensed insurance
agency based in Las
Vegas Nevada
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