2019 Marketplace Instructions

We have decided to post instructions for people in Nevada who are looking to secure a 2019 policy.

If you would like to set an appointment in Reno or Carson City please call us at (775) 883-6052 and we will do our best to get you in before the December 15th deadline.

 

 

Start Here:

For new clients to the Marketplace / Exchange
• Go to www.healthcare.gov

• Click on “TAKE THE FIRST STEP TO APPLY.”

• Under “Create an Account”, select your state (Nevada) from the drop down list

• You will then create an account:
Enter your name
Enter your email address (this will be used as your username)
Enter a password (make sure to write this information down)
Select and answer three (3) security questions (this will be asked should you ever
misplace your password and need to reset it, so make sure to write this information down
as well)
Click the small box under the last security question that reads: “I understand and agree
with the HealthCare.gov privacy policy and terms and conditions.”
Then lastly, click on “CREATE ACCOUNT.”
The system will then prompt you to check your email address: We sent an email with the
subject line, “Welcome! Please verify your email for your HealthCare.gov account” to the
email address you entered above. Click on the verification link in the email to verify your
email address.
– The email will come from notices@healthcare.gov…Welcome Please verify your email
address for your HealthCare.gov account.” Click on the “Verify my email address”
hyperlink located in the body of the email.
– Once that has been completed, it will bring you back to HealthCare.gov’s website with a
message stating: “Your account is ready”, click on the “CONTINUE TO LOGIN.”
Once an account has been created:

• Enter your username and password and click “SIGNIN.”

• Once on that page, click on the “START A NEW APPLICATION OR UPDATE AN EXISTING
ONE.”

• Select your state’s abbreviation (NV) from the drop down box then click “START MY
APPLICATION.”

• The system will then ask for you to “Verify your Identity.” You will need to fill in the following
section. Please note, you will need to provide a phone # or the system will not let you proceed.
You do not have to provide your Social Security #, just in this section though, unless you chose to.

• You will then answer a few more “Identity” questions. Once the system has verified you, you will
then click “CONTINUE.”

Application Process:

• The system will then walk you through the process. You will be completing five (5) sections
(Section 1: Get Started; Section 2: Family & Household; Section 3: Income; Section 4: Additional
Information; & Section 5: Review & Sign). Make sure to click “CONTINUE & SAVE” located on the
bottom of each page in order to move to the next screen.

• PLEASE NOTE:
– Located on the first page of the application, under the “Household Contact Information”
section. You will see a box that will read “Another person is helping me complete my
application.” In order for our brokerage to continue to service your coverage, please
make sure to click that box. You will then fill in the following information:

First Name: Aaron | Last Name: Ware | Select Type (from a drop down box): Agent or
Broker | NPN: 17539896.

• Make sure you answer each section of questions to the best of your knowledge.

• Once you have completed all five (5) sections; you will be prompted to sign and “SUBMIT” the
application.

• The system will then go the “Eligibility Results.”
– Section 1: will let you know if you are eligible (or not) for assistance as well as how
much of a premium tax credit you will receive.
– Section 2, will provide you with an option to click a box and view your “ELIGIBILITY
RESULTS.” We recommend that you do so and either print and / or download and save
a copy to your computer. This document will also provide you with any additional
requested information needed (i.e. proof of income, proof of citizenship, etc.) in order to
continue any assistance (i.e. the APTC and / or CSR) going forward.

• You will then click “CONTINUE TO ENROLLMENT.”

• A pop-up “Complete these tasks to enroll in coverage” screen will appear, just click “CLOSE.”

• You will now be on the “Enroll To-Do List” screen:
– Scroll to the bottom to the “Choosing a Health Plan” portion of that page and click on
“SET TAX CREDIT.”
You will then need to decide how much of your premium tax credit to use each
month. Click on “CONTINUE.”

This section will explain your three (3) options:

• Use all the premium tax credit

• Use sum of the premium tax credit or

• Use none of it
You will then click on “I HAVE REVIEWED” to set your premium tax credit.

• If you would like to use all of it, click on “USE THIS AMOUNT.”

• Otherwise, answer “NO” to the “Do you want to use all your ($) premium
tax credit each month” question. You will then designate how much of the
premium tax credit you will want to use, and click “USE THIS AMOUNT.”

• You will then click “CONFIRM YOUR TAX CREDIT AMOUNT.”

• Once your premium tax credit has been set, go to the next section which is the “Answer household
questions”:
– Click on “ANSWER QUESTIONS.” This section will ask if you have used any tobacco
regularly within the past 6 months. Check the appropriate box then click “CONTINUE.”

• You will now be prompted to select a health plan, so click “CHOOSE A PLAN”:
– A couple of boxes will pop up, you can either click the black “X” located on the top right
corner until you get to the plan selections or click “NEXT.”
– Located towards the top of your screen in your menu bar, you will see the option “Saved
Plans” and a one (1) next to it. Click on that option to show you, your current 2017
coverage with any changes for 2018 as well as what your new premium based on your
premium tax credit will be.
– Otherwise, scroll through the plan selections.

• Once you have selected a health plan option, the system will then ask that you review your dental
options:
– You will need to click on the “DENTAL” box and select either “YES” or “NO” to dental
insurance.
Pediatric dental is 1 of the 10 Essential Health Benefits the ACA requires health
insurance companies to cover, under the medical plan, for children under the age of
19. Health insurers offering coverage offered through the Marketplace/Exchange;
however, are not required to cover Pediatric Dental under the medical coverage AS
LONG AS a stand-alone dental carrier is offering a dental product that meets the
requirements under the ACA. Some carriers have that benefit built in to their medical
options and some do not.
If the carrier does not have that benefit built in and you are covering children, you will
need to select a separate dental option.
If you are not covering any children, some of the dental carriers offer dental options for
adults as well but you are not required to select a dental plan unless you’d like to. More options can be found by contacting us directly for your dental and vision.

• Once you have completed the dental selection, you will now need to click on “FINAL REVIEW” to
confirm your plan choices and enroll.

• The system will require one more signature. The final page will provide you with the name of the plan
and carrier you selected and what your monthly premium is going to be (minus the tax credit amount
you selected). I would suggest you print this page.

• Lastly, it will have an option for you to pay the first month’s premium payment which is required before the carrier you selected can fully enroll you in their system. This option should forward you to the carrier’s website to make the payment. Please make sure to print and / or save any payment
confirmation pages.

Congratulations! You have now completed the application process through HealthCare.gov.
What is the next step? Your information should be transmitted to the selected carrier within 48-72 hours.

Once the carrier has confirmed payment has been received and processed, they will officially enroll you in their system. A welcome packet and identification cards will be generated and mailed to the address on file.

If payment was not submitted at the time of the application, a carrier, from our understanding, will send out a letter or billing statement, once they have received your information from HealthCare.gov, with the instructions on how to pay that initial payment.
In the interim and as always, if you should run into any issues or have questions at all during the application process, please do not hesitate to contact us.

Cancer & Heart/Stroke Plans

Approximately 38.4% of men and women will be diagnosed with cancer at some point during their lifetimes (based on 2013–2015 data). Our cancer insurance products include wellness benefits that help cover the costs of cancer screenings. Cancer screenings can help your physician understand your family history, discover new and developing health risks, create a wellness plan to reduce your risks, and recommend steps to improve or maintain your health. Call us today for more info on Cancer and Heart & Stroke insurance plans. Less

Attention Nursing Students:

Short Term Medical plans can help protect you if you find yourself without health insurance. These plans are designed to provide you with coverage for unexpected illness, injuries and accidents. And the best part is that if you are eligible you can receive coverage as quickly as the day after applying. You don’t have to wait weeks for the coverage you need today!

It’s an ideal choice if you’re:

A Student or recent graduate
A Nursing or Allied Health Student
No longer eligible under a parents plan
Between jobs
Waiting for employer benefits to begin
Without coverage due to job or life changes

Healthcare Marketplace Instructions for Nevada

As the clock runs down on the 2017 Health Insurance Open Enrollment we have decided to post instructions for people in Nevada who are looking to secure a 2018 policy.

If you would like to set an appointment in Reno or Carson City please call us at 775-881-8796 and we will do our best to get you in before the December 15th deadline.

 

 

Start Here:

For new clients to the Marketplace / Exchange
• Go to www.healthcare.gov

• Click on “TAKE THE FIRST STEP TO APPLY.”

• Under “Create an Account”, select your state (Nevada) from the drop down list

• You will then create an account:
Enter your name
Enter your email address (this will be used as your username)
Enter a password (make sure to write this information down)
Select and answer three (3) security questions (this will be asked should you ever
misplace your password and need to reset it, so make sure to write this information down
as well)
Click the small box under the last security question that reads: “I understand and agree
with the HealthCare.gov privacy policy and terms and conditions.”
Then lastly, click on “CREATE ACCOUNT.”
The system will then prompt you to check your email address: We sent an email with the
subject line, “Welcome! Please verify your email for your HealthCare.gov account” to the
email address you entered above. Click on the verification link in the email to verify your
email address.
– The email will come from notices@healthcare.gov…Welcome Please verify your email
address for your HealthCare.gov account.” Click on the “Verify my email address”
hyperlink located in the body of the email.
– Once that has been completed, it will bring you back to HealthCare.gov’s website with a
message stating: “Your account is ready”, click on the “CONTINUE TO LOGIN.”
Once an account has been created:

• Enter your username and password and click “SIGNIN.”

• Once on that page, click on the “START A NEW APPLICATION OR UPDATE AN EXISTING
ONE.”

• Select your state’s abbreviation (NV) from the drop down box then click “START MY
APPLICATION.”

• The system will then ask for you to “Verify your Identity.” You will need to fill in the following
section. Please note, you will need to provide a phone # or the system will not let you proceed.
You do not have to provide your Social Security #, just in this section though, unless you chose to.

• You will then answer a few more “Identity” questions. Once the system has verified you, you will
then click “CONTINUE.”

Application Process:

• The system will then walk you through the process. You will be completing five (5) sections
(Section 1: Get Started; Section 2: Family & Household; Section 3: Income; Section 4: Additional
Information; & Section 5: Review & Sign). Make sure to click “CONTINUE & SAVE” located on the
bottom of each page in order to move to the next screen.

• PLEASE NOTE:
– Located on the first page of the application, under the “Household Contact Information”
section. You will see a box that will read “Another person is helping me complete my
application.” In order for our brokerage to continue to service your coverage, please
make sure to click that box. You will then fill in the following information:

First Name: Aaron | Last Name: Ware | Select Type (from a drop down box): Agent or
Broker | NPN: 17539896.

• Make sure you answer each section of questions to the best of your knowledge.

• Once you have completed all five (5) sections; you will be prompted to sign and “SUBMIT” the
application.

• The system will then go the “Eligibility Results.”
– Section 1: will let you know if you are eligible (or not) for assistance as well as how
much of a premium tax credit you will receive.
– Section 2, will provide you with an option to click a box and view your “ELIGIBILITY
RESULTS.” We recommend that you do so and either print and / or download and save
a copy to your computer. This document will also provide you with any additional
requested information needed (i.e. proof of income, proof of citizenship, etc.) in order to
continue any assistance (i.e. the APTC and / or CSR) going forward.

• You will then click “CONTINUE TO ENROLLMENT.”

• A pop-up “Complete these tasks to enroll in coverage” screen will appear, just click “CLOSE.”

• You will now be on the “Enroll To-Do List” screen:
– Scroll to the bottom to the “Choosing a Health Plan” portion of that page and click on
“SET TAX CREDIT.”
You will then need to decide how much of your premium tax credit to use each
month. Click on “CONTINUE.”

This section will explain your three (3) options:

• Use all the premium tax credit

• Use sum of the premium tax credit or

• Use none of it
You will then click on “I HAVE REVIEWED” to set your premium tax credit.

• If you would like to use all of it, click on “USE THIS AMOUNT.”

• Otherwise, answer “NO” to the “Do you want to use all your ($) premium
tax credit each month” question. You will then designate how much of the
premium tax credit you will want to use, and click “USE THIS AMOUNT.”

• You will then click “CONFIRM YOUR TAX CREDIT AMOUNT.”

• Once your premium tax credit has been set, go to the next section which is the “Answer household
questions”:
– Click on “ANSWER QUESTIONS.” This section will ask if you have used any tobacco
regularly within the past 6 months. Check the appropriate box then click “CONTINUE.”

• You will now be prompted to select a health plan, so click “CHOOSE A PLAN”:
– A couple of boxes will pop up, you can either click the black “X” located on the top right
corner until you get to the plan selections or click “NEXT.”
– Located towards the top of your screen in your menu bar, you will see the option “Saved
Plans” and a one (1) next to it. Click on that option to show you, your current 2017
coverage with any changes for 2018 as well as what your new premium based on your
premium tax credit will be.
– Otherwise, scroll through the plan selections.

• Once you have selected a health plan option, the system will then ask that you review your dental
options:
– You will need to click on the “DENTAL” box and select either “YES” or “NO” to dental
insurance.
Pediatric dental is 1 of the 10 Essential Health Benefits the ACA requires health
insurance companies to cover, under the medical plan, for children under the age of
19. Health insurers offering coverage offered through the Marketplace/Exchange;
however, are not required to cover Pediatric Dental under the medical coverage AS
LONG AS a stand-alone dental carrier is offering a dental product that meets the
requirements under the ACA. Some carriers have that benefit built in to their medical
options and some do not.
If the carrier does not have that benefit built in and you are covering children, you will
need to select a separate dental option.
If you are not covering any children, some of the dental carriers offer dental options for
adults as well but you are not required to select a dental plan unless you’d like to. More options can be found by contacting us directly for your dental and vision.

• Once you have completed the dental selection, you will now need to click on “FINAL REVIEW” to
confirm your plan choices and enroll.

• The system will require one more signature. The final page will provide you with the name of the plan
and carrier you selected and what your monthly premium is going to be (minus the tax credit amount
you selected). I would suggest you print this page.

• Lastly, it will have an option for you to pay the first month’s premium payment which is required before the carrier you selected can fully enroll you in their system. This option should forward you to the carrier’s website to make the payment. Please make sure to print and / or save any payment
confirmation pages.

Congratulations! You have now completed the application process through HealthCare.gov.
What is the next step? Your information should be transmitted to the selected carrier within 48-72 hours.

Once the carrier has confirmed payment has been received and processed, they will officially enroll you in their system. A welcome packet and identification cards will be generated and mailed to the address on file.

If payment was not submitted at the time of the application, a carrier, from our understanding, will send out a letter or billing statement, once they have received your information from HealthCare.gov, with the instructions on how to pay that initial payment.
In the interim and as always, if you should run into any issues or have questions at all during the application process, please do not hesitate to contact us.

More Cowbell

’tis the season to get your health insurance plan for 2018.
If you have preexisting conditions and need financial help I can help you.
If you have preexisting conditions but don’t qualify for financial help I can help you.
If you have no preexisting condition and want to save 40-60% on you premiums and not pay penalties… I can help you.
Call us today!

From the Nevada DETR …

CARSON CITY, NV —Unemployment rates were down in all of the state’s major population centers, both on a month-over-month and year-over-year basis in August. In Las Vegas, the unemployment rate is at 5.2 percent, down 0.2 of a percentage point from July, and down 0.5 of a percentage point from August 2016. Reno’s unemployment rate is at 4.1 percent, down 0.1 of a percentage point from July and down 0.6 of a percentage point from last year. The unemployment rate in Carson City dropped 0.2 of percentage point over the month to 4.7 percent, a decline of 0.9 percentage point over the year.

Attract and retain the best employees by providing a strong benefits package and ensure success for your business.

Telemedicine Services

Anybody that has children knows the real pain of an ear infection. Yes, of course, it's the discomfort your child has from a itching painful ear. But let's face it, its getting to the Dr.

At 9:30 p.m., just as everyone is climbing into bed the baby let's out a wail and starts clawing at her ear. She's spiking a fever and generally very unhappy. You already know that you need to get that wonderful pink antibiotic into her.

So you bundle her up and head to the Urgent care. Once at Urgent Care you visit the admitting nurse, she takes your $75 copay and claims the baby will be seen as soon as possible. Already the nurse and everyone in the waiting room knows the baby has an ear infection and needs antibiotic.

45 minutes later the doctor sees you and writes a script for antibiotics (this process can take up to a half an hour). You then bundle the kids back up and make your way to the Pharmacy where you will wait another 30 minutes to get your prescription filled. Don't forget that your little angel is hollering the entire time.

With a telemedicine system you can mitigate all of the travel time and waiting room time for the Urgent Care as well as saving that copay. Yes, you will have to go get the medicine but the E.R. certified Doc on the other end of your phone can call that into the pharmacy thus saving even more time and hassle.

Parents, more than any other group, are loving these types of services. Jewels Benefits, Inc. has available Healthiest You, a stand alone version of this amazing service. Many health insurance policies do not yet have this in place, for as little as $15 per month an individual family can save themselves hundreds of dollars per year and hours of frustration.

visit the Jewels Benefits, Inc. portal today and start resting just a little easier.

;

Get Insured

Jewels Benefits, Inc. is a locally owned and operated full service individual and group health and life insurance brokerage serving all of Nevada, Arizona and California.

We have access to many many options that allow us to customize your health plan to fit your lifestyle and needs. Further, because we are brokers I WORK FOR YOU, not the insurance company, and yet you pay no extra money to have me as your advocate.

If you’re struggling and need to Federal help that may be available to you I can help. It is not well known that if you go through Healthcare.gov you can still choose your broker… and it costs you nothing more to have someone at your back while choosing and using your insurance.

[ninja_form id=4]

Accident Plan Payout Scenario

When someone gets hurt, there are a number of different things that happen along the way throughout the course of treatment. Below is an example of someone that has broken a hip, and listed are the payouts that happen as a result of that broken hip. Based on preferred coverage at only $28.00 per month.

1. Falls and breaks hip….
2. Ambulance……$200
3. Emergency Room…..$150
4. Xray………….$40
5. MRI or CT Scan……..$200
6. Broken hip…simple break…$1,500
7. Hospital admittance…..$1,250
8. 5 days in the hospital……$375 a day x 5 days = $1,875
9. Moved to skilled nursing facility(admittance)…$1,250
10. 20 days in skilled care…$225 a day x 20 days = $4,500
This is a common scenario in the Medicare world. Medicare will pay for 20 days in a facility.
11. Appliance (wheelchair)….$100
12. Rehab visits $50 per visit x 3 visits = $150
TOTAL payout for this scenario ………………………………………………$11,215.00

This policy costs the client only $28.00 ($47 for a family) per month. This payout for this common injury and recovery scenario equals 33 years worth of premiums paid. This inexpensive policy pays the client cash directly to use as they see fit. Things like meals on wheels or housekeepers or hired help while they recover. A lot of bang for the buck!

Click here to get quotes and purchase your indivpolicy

Long Term Care Insurance

Just visited my Grammy and Grandpa in Life Care skilled nursing facility.
He will most likely go home in 2 weeks, she will have to go to assisted living.
70% of all people who reach age 65 will need assisted living at some point.
Aside from protecting your legacy having Long Term Care insurance helps to give you better choices about the facility you live in.
Ask me about this as soon as possible, the sooner you buy it the cheaper it is.