Las Vegas Health Insurance Expert:

Your monthly premium is the "monthly cost" for your insurance. Premiums are at a set price and are the same for each of us before underwriting. There are no discounts for anyone or with another broker.  But, a good Las Vegas Health Insurance broker will show you where the money is.  Let me explain:
 
When the premiums vary, and they do, it's because:
* they vary by that particular company
* they rate up by your medical conditions
 
Using a Las Vegas Health Insurance Expert broker will help to "isolate" the best value in the marketplace for you. Since premiums do vary by company, as well as their procedure on how to arrive at "a final premium" ... it is in your best interest to learn why there are BETTER VALUES versus BAD values or premiums.
 
All of the major Nevada health insurance companies are good. They all pay the bill or "deliver" the all important contracted rates. For this reason you should not over pay for your insurance benefits. There is NO benefit in putting the money in their pocket.  I show you how to put the money in your pocket; there IS a science to this (in fact, it's called math and we will get to that in a minute)!
 
Each company has their strengths and weakness as it pertains to their premiums. For example some are over priced for certain age groups or gender like woman, infants, people between 50 and 64 years of age, and on and on. The key point here is for your insurance broker, who does not cost you a "dime" ... to advise and educate you on where the best value is for YOU! Some insurance companies are great values with a higher deductible, BUT not a great value as the deductible is reduced. Some are great values for families of three, BUT not for families of four or more. As you can see there are many "scenarios" that need to be "known", "understood", and ultimately "executed", OR you will WASTE money ... plain and simple.  Us brokers learn where the best scenarios are, because we research these plans and their prices every day.
 
There is just NO reason to over pay. "CHEAP" does NOT always mean a "good value". In other words, why save a few dollars a month on premium ... only to leave yourself exposed to greater financial risk if a health issue comes along?
 
THERE IS TRULY A BALANCE BETWEEN PREMIUM AND RISK OR EXPOSURE! YOU MUST FIND AN EXPERT TO HELP YOU FIND THIS "BALANCE".

 

I have a system for making sure my clients receive the very best value. It is a mathematical formula that has many "parts" and "components", and I want to share one of them with you today.
 
I feel there is no reason to over-pay, or line the pocket of the insurance companies when I can line your pocket with money.
 
For example, would it be worth spending an additional $1500 a year to reduce your deductible from $5000 annually to $2500 annually?? The answer is NO.  Even though a $5000 deductible seems high ... if we are going to add $1500 to our yearly premium for a $2500 deductible, isn't our REAL deductible now $2500 plus the $1500?  In other words, our deductible now is $4000.
 
There is a strong possibility (we hope) that you never  have to spend much of your $5000 deductible in the first place, meaning, how likely are you to have a catastrophe every year that makes you meet at $5000 deductible?  How likely are you to have that catastrophe once in five years? ... so why spend "a sure" additional $1500 for a $2500 deductible each year? You do that every year, it adds up to a lot of wasted dollars. Since the deductible rolls over yearly, one can spend $1500 extra yearly, and after 10 years that would be $15,000 ... to save $2500 in the very worst case scenario in a given year.  Some people don't have a catastrophe their whole lives! If you take the $15,000 in savings and divide it by the premium ... it would add up to years of insurance that you have "pocketed" ... and would be "free" versus the person who paid that extra $1500 a year!
 
Going with the higher deductible "makes the most sense" when we are middle age or toward the higher health insurance age range. When we are younger the spread between deductibles is low enough that a lower deductible makes sense.  In other words, the price for young people is close to the same for the deductibles the nevada health insurance company offers.  This applies to families as well with some plans. I insure that my clients do not over-pay. The key is finding the balance between deductible and premium, and LINING YOUR POCKET, AND NOT THE INSURANCE COMPANY'S POCKET!
 
I urge you to find a good Nevada health insurance broker that has a formula for insuring you do not "OVER-PAY!"

 

If You Have Any Questions Or Comments Please Call Or Email Us At: 1-888-268-4421

Email: info@las-vegas-health-insurance-expert.com

 

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