ROMEO “RO” LAZZARONE, LUTCF 775-673-4456 THE LAZZARONE GROUP 775-673-4456 .

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THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

*DISCLAIMER

All info. is subject to change at any time and without warning.


THE ROLE OF THE HEALTH INSURANCE BROKER


ACCORDING TO A RECENT SURVEY FROM MARKET RESEARCH FIRM TNS


THE BROKER/AGENT ROLE….

• Really hasn’t changed, except, there are many more choices and options than before; a broker can help “you” find a plan that best fits you and your family

• Use a “qualified broker”

• Make sure the broker is certified with Nevada Health Link

• Enroll and provide individuals/groups health insurance plans “on” and “off” the exchange

• Broker “locator” on the exchange website, to select a broker

• Use a broker that has experience

• Discuss possible tax implications on individual subsidy


OFF EXCHANGE CARRIERS

• Nevada Health CO-OP*• Sierra Health and Life*• Health Plan of Nevada*• St. Mary’s Health Plans*• Hometown Health*• Anthem*• Humana*• Aetna*• Time*• Celtic*

*Carrier plans and rates pending- available sometime in October


ON EXCHANGE CARRIERSQualified Health Plan (no dental) Issuers:

• Anthem*• Nevada CO-OP*• Health Plan of Nevada• St. Mary’s Health Plans

*Offering on both Individual and SHOP markets

• These insurance carriers are providing approximately 80 medical plans and 90 standalone dental plans.

• Size of network could be limited


ON EXCHANGE CARRIERS

Standalone Dental Plan Issuers:

• Anthem• Best Life• Delta Dental• Liberty Dental• Nevada Dental Benefits, Ltd.• Premier Access Dental• Guardian Life Insurance Company**

**SHOP only. The rest will offer on both individual and SHOP markets.

•These insurance carriers are providing approximately 80 medical plans and 90 standalone dental plans.•Size of network could be limited


STRATEGIES BEFORE JANUARY 1, 2014

• Talk to a “qualified” broker

• Look at early renewal options- individual/group

• If insurable, look into new plans by Dec 31, 2013


ROMEO “RO” L

AZZARONE,

LUTC

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775-673-4

456

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ROMEO “RO” LAZZARONE, LUTCF 775-673-4456 THE LAZZARONE GROUP 775-673-4456 .

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