Senior Insurance Products
Senior Insurance Products - Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Medicare Supplement Quote
Long Term Care Insurance Quote Form
Nevada Medicare Advantage Plan Information
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare.
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
If you join a Nevada Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness
programs. Most include Medicare prescription drug coverage (Part D).
Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies
must follow rules set by Medicare. However, each Nevada Medicare Advantage Plan can charge different out-of-pocket costs and have
different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors,
facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.
Not all Nevada Medicare Advantage Plans work the same way, so before you join, take the time to let us help you find and compare
Medicare Health Plans in your area.
Disclaimer: This website is neither associated with nor endorsed by The Centers For Medicare & Medicaid Services (CMS) or any other governmental agency.
Long Term Care Insurance Information
What is "Long-Term Care"?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing,
dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called
Activities of Daily
Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive
impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some
people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult
day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with)
“skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing
(e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance
pays only for skilled care–not custodial care.