When is comes to Nevada Health Insurance you must understand how your plan works. I have many questions asked to me, \"How does my deductible work? Do I have to meet the deductible BEFORE I receive any benefits?" The confusion over deductibles is understandable and it gives us a great opportunity to educate. Every Nevada health insurance plan is different. You must review what your health plan covers or you could pay more than needed.

All Nevada PPO health insurance plans have a deductible, and the deductible is the amount owed by all of us BEFORE our benefits \"kick in." It is a flat amount and can start as low as $1,000 and be as high as $25,000 and is renewable annually. The higher your deductible is, the lower your premium will be on our health insurance plan.

Each plan usually has some services that do not require a deductible and instead require only a copayment for services; however, this will vary per health insurance plan. Examples of copayment only services on some health insurance plans are: physician visits, preventative care, medication, and urgent care. Since health plans vary by market these are just examples and not guarantees or representations of your individual policy.

Your deductible applies to every service outside of those that require copayments. Examples would be hospitalization, lab work, testing, x-rays and so on all listed in your Nevada health insurance plan. The great news is that you do not pay full price for services when you are paying your deductible because you still get the power of the contracted rate which is a discounted amount of what the charge will be if you do not have insurance.

When choosing a plan with a deductible, it's important that you purchase the plan with the most affordable monthly premium because no matter what plan you choose you are entitled to the contracted rate. Follow the links below for a suggested agency in Nevada.