561 W Mesquite Blvd, Suite 9 Mesquite, Nevada 89027 (702)344-5444 |
Healthcare and Medicare have always been complicated. Individual and family needs magnify the complexity.
Here are some examples of questions we hear every day. You may have asked yourself similar questions.
Good Question... "Can I keep my Doctor?" If that is all you ask the answer is "Maybe" Better Question...
"What Insurance plans will my doctor accept?" Still the answer is "Maybe 4 or 5" Best Question and what you really want to know....
"Is my doctor visit covered if I want to use his office 30 miles away or do I need to use his office 90 miles away?" Now that we are asking the right question the answer is a simple "Yes or No" |
We ask all the "Important" questions to properly identify insurance coverage that will meet your needs.
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Where are your specialist located if they are not available in Mesquite?
This question comes up often and is very important. "If I need to see a specialist that is not available in Mesquite, can I go to St. George or do I have to drive all the way to Las Vegas? What you really need to find out is will the plan have "out of state" coverage and what kind of services are offered? What are your current medications?
Each plan offered has a different list of how medications are cover. This is called a formulary. Researching the formulary is very important. Medications are classified by "Tiers" on the formulary. Each tier has a unique copay. In one plan your prescription may be classified as a "Tier 1" medication with a low copay. In another plan that same medication might be a "Tier 3" medication with a much higher copay. This is where a little research can result in a large benefit. What pharmacy do you use and why is it important to know if they are a "Preferred Pharmacy"?
If you want to use a specific pharmacy research is required to find out if the plan has authorized them. Next, let's find out if it is a "preferred" pharmacy. Preferred Pharmacy's have agreed to provide medications at a lower price to plan members. |
Do you have any chronic conditions?
There are numerous chronic conditions that can be maintained easier with a specialized treatment program. A good example would be someone that needed to stop smoking. Would the current or selected plan have additional benefits and programs to support your efforts? Diabetes, Conic Heart Conditions, Gastrointestinal issues, COPD, or Cancer are just some of the conditions that can be helped with a customized treatment plan offered by some providers. Are you a snowbird or do you travel outside of Nevada or the U.S. for extended periods of time?
Many of our towns people have a winter home and a summer home. So it's important make sure you have options in the areas you will be in throughout the year. The wrong plan can cost hundreds of dollars each month, and you find out after the fact that you're paying for services and coverage you don't use. |
It's time to better understand your Medicare and Healthcare options!
With the number of options available to you in Mesquite NV we can help you make sense of them all and find an option that better meets your needs!
Service Area |
Lines of Business |
Office Hours in Mesquite, and Clark County |
Medicare Supplements and Advantage Plans |
Southern Nevada, Arizona Strip, Southern and Central Utah |
Extra Help, Hospital Indemnity and Short Term Care Plans |
Nevada Health link approved agent |
Individual and Family Healthcare Coverage |
Healthcare and Market Place: All Utah Counties |
Life Insurance and Guaranteed Issue Final Expense |
Supplemental and specialized coverage (Cancer, Stroke, Accident) |
Stand alone Dental and Vision Plans |
