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Anthem Medicare Supplement
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Aetna is one of the nation's leading providers of health, dental, group, life, disability and long-term care benefits Health Care Networks: More than 700,000 health care professionals More than 418,000 primary care doctors and specialists 4,231 hospitals A network of specialist physicians, AexcelSM, based on clinical performance and cost efficiency.

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American Medical Security Life Insurance Company is a wholly owned subsidiary of PacifiCare Health Systems, LLC. We provide adaptable, competitive health insurance plans for individuals, families, and small businesses.

Pacificare of Nevada. Why Choose PacifiCare? Your health and the health of your family are important to you. Committed to bringing you the quality health care coverage you deserve, we offer comprehensive, affordable health plan options for Individual & Family coverage

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Golden Rule has been a leader in the individual health market for nearly 60 years. Golden Rule offers a wide variety of affordable health insurance plans and is a pioneer of Health Savings Accounts (HSAs). Serving individuals and families is our primary focus. Because we are dedicated to this market, we have developed a unique understanding of the health insurance needs of individuals and families. This knowledge is reflected throughout your experience with Golden Rule -- in our high quality products, our handling of claims, and our customer service. Golden Rule is rated "A" (Excellent) by A.M. Best. This rating indicates financial strength and stability.
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Health Plan Definitions


Pacificare SignatureValue®

A Health Maintenance Organization (HMO) focuses on the quality of care provided to its members - with prevention and wellness as the key components of that care. Health services are accessed through contracted primary care physicians (PCPs) who know the member's medical history and individual needs; thus a partnership is formed between the member, the provider and the health plan. HMOs offer minimal paperwork and low, predictable out-of-pocket costs. Members pay a small, predetermined copayment each time they receive health care services.


PacifiCare SignaturePOS® (POS)

A Point of Service (POS) plan offers members greater flexibility and options. POS plans combine the savings of an HMO with the flexibility of a typical indemnity arrangement. If you are looking for affordability, use the in-network option of your benefit plan. If you prefer to see a doctor who is not participating in our network, choose the out-of-network option.


PacifiCare SignatureOptionsSM (PPO)

A Preferred Provider Option is a plan which offers an even wider selection of physicians to our members. These participating providers may be primary care doctors or specialists and PPO members are free to see any of them. PPO members may also visit non-contracted providers, but at a higher out-of-pocket cost. PacifiCare SignatureOptionsSM is available to employer groups of 51 or more employees.


PacifiCare SignatureIndependenceSM (Indemnity)
The PacifiCare SignatureIndependence Plan is a traditional indemnity plan. It gives you the independence to go to any doctor -- including a specialist -- without a referral.

You have the flexibility to see any provider licensed or certified to provide covered benefits.
You must meet an annual deductible.
You pay your plan's coinsurance cost for all covered services.


PacifiCare SignatureFreedomSM (SDHP)

The PacifiCare SignatureFreedom plan is a Self Directed Health Plan, or SDHP. It is PPO-based, so you'll have access to a broad network of physicians and hospitals. PacifiCare SignatureFreedom rewards you with an annual Self Directed Account (SDA) which you can use toward certain types of preventative health care services like doctor's office visits, mammography screening, breast and pelvic exams, and more.

You can choose any provider licensed or certified to provide covered benefits.
You pay a lower copayment or coinsurance when you visit a doctor that is in the participating network.
Any money from your SDA that you don't spend is carried over to the next year, allowing you to "save" for future health care expenses.
Services not covered by the SDA, such as inpatient surgery or emergency room visits, are paid for like a traditional PPO, with yearly deductible and a charge for coinsurance.
You have access to a complete suite of online support tools that allow you to keep track of your SDA account, claim activity, status, provider choice and health care costs.


Medicare Advantage
In addition to our regular HMO product, PacifiCare offers Medicare beneficiaries Secure Horizons an alternative to Medicare. Secure Horizons, our Medicare HMO plan, essentially works the same as our regular HMO. When a member chooses a PCP, he or she is also choosing the group of specialists available and the hospital they will go to when necessary. This plan covers all services and supplies offered by Medicare, plus additional benefits, often at little or no premium to the member



Anthem Blue Cross and Blue Shield
is the trade name for the following: In Connecticut: Anthem Health Plans, Inc. In Colorado: Rocky Mountain Hospital and Medical Service, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. Independent licensees of the Blue Cross and Blue Shield Association. Serving residents and businesses in Indiana, Kentucky, Ohio, Colorado, Nevada, Connecticut, Maine, New Hampshire and Virginia (excluding the city of Fairfax, the town of Vienna and the area east of State Route 123).
Disclaimer

Each individual on the application is assessed separately. As a result, the underwriting decision may include accepted members, declined members and members accepted with a lifetime benefit exclusion. We will proceed with the processing of the application for all members who fall into either of the approved categories with the assumption that the coverage is still desired.

If the application is approved, with or without lifetime benefit exclusion(s), the effective date of enrollment will be listed on the subscriber's coverage notice. Memberships are effective on the date assigned by Anthem. If the entire application is not approved, Anthem will disclose, in writing, the reason(s) for non-acceptance and what needs to be done for reconsideration, if applicable.

If any member is approved with a lifetime benefit exclusion, the amendment will be included in the membership certificate or sent with the letter notifying the member of the lifetime benefit exclusion.

The following waiting period for pre-existing conditions applies to all members –

A pre-existing condition is an injury, sickness or pregnancy, for which the member has, during the 12 consecutive months immediately preceding the member’s original membership effective date, either (1) incurred charges, (2) received medical treatment, (3) consulted a health care professional, or (4) taken prescription drugs. We will not pay for services related to a pre-existing condition for 12 consecutive months after the member’s original membership effective date. I further understand that my coverage will not pay for services unless they are medically necessary as determined by Anthem.

Anthem must receive a 30-day advance notification to cancel your coverage. Anthem has 60 days to process your application.

No person other than the applicant shall alter any written application for any policy without the applicant’s written consent. The exception is that the insurer may make insertions, for administrative purposes only, in such manner as to indicate clearly that such insertions are not ascribed to the applicant.

In no event shall the Company incur any liability before an application is approved or with respect to an application that has been declined. No coverage shall exist under the agreement for which the application is made until approved by the Underwriting Department.


Insurance or health maintenance organization (“HMO”) coverage underwritten by UniCare Life & Health Insurance Company, UniCare Health Insurance Company of Texas, UniCare Health Plans of Texas, Inc. (HMO only in Texas), UniCare Health Plans of the Midwest, Inc. (HMO only in IL/IN) or UniCare Health Insurance Company of the Midwest (IN and IL only) â registered mark and SM service mark of WellPoint, Inc. ã2005 WellPoint, Inc.
 
Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. California license numbers: 08109 ( Time Insurance Company), 08107 (Union Security Insurance Company) and 3894 (John Alden Life Insurance Company). Assurant Health only accepts agent business from agents licensed and appointed in accordance with state laws.


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Copyright © 2005 Oleg Skurskiy Authorized Independent Agent, CA License 0E50389
 
 
Additional Cities in the State of Nevada : Nevada Health Insurance
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PST - 89446 - -117.73000 - 40.96000 - Winnemucca - NV - - 775 - PST - 89180 - -115.24000 - 36.13000 - Las Vegas - NV - - 702 - PST - 89108 - -115.22326 - 36.20440 - Las Vegas - NV - - 702 - PST - 89506 - -119.87351 - 39.64117 - Reno - NV - - 775 - PST - 89195 - -115.22000 - 36.16000 - Las Vegas - NV - - 702 - PST - 89135 - -115.32000 - 36.14000 - Las Vegas - NV - - 702 - PST - 89143 - -115.29000 - 36.32000 - Las Vegas - NV - - 702 - PST - 89826 - -115.42000 - 41.85000 - Jarbidge - NV - - 775 - PST - 89599 - -119.81140 - 39.52690 - Reno - NV - - 775 - PST - 89102 - -115.20035 - 36.14330 - Las Vegas - NV - - 702 - PST - 89310 - -117.08106 - 39.50799 - Austin - NV - - 775 - PST - 89185 - -115.10000 - 36.16000 - Las Vegas - NV - - 702 - PST - 89431 - -119.75559 - 39.54725 - Sparks - NV - - 775 - PST - 89828 - -115.47000 - 40.73000 - Lamoille - NV - - 775 - PST - 89145 - -115.26000 - 36.17000 - Las Vegas - NV - - 702 - PST - 89141 - -115.21000 - 35.99000 - Las Vegas - NV - - 702 - PST - 89301 - -114.87801 - 39.30936 - Ely - NV - - 775 - PST - 89010 - -118.09000 - 37.69000 - Dyer - NV - - 775 - PST - 89101 - -115.12237 - 36.17208 - Las Vegas - NV - - 702 - PST - 89070 - -115.67000 - 36.58000 - Indian Springs - NV - - 702 - PST - 89418 - -118.02115 - 40.65222 - Imlay - NV - - 775 - PST - 89702 - -119.77000 - 39.17000 - Carson City - NV - - 775 - PST - 89509 - -119.82393 - 39.49804 - Reno - NV - - 775 - PST - 89835 - -114.53275 - 41.12980 - Wells - NV - - 775 - PST - 89432 - -119.75000 - 39.54000 - Sparks - NV - - 775 - PST - 89019 - -115.46915 - 35.85484 - Jean - NV - - 702 - PST - 89407 - -118.78000 - 39.48000 - Fallon - NV - - 775 - PST - 89147 - -115.28000 - 36.15000 - Las Vegas - NV - - 702 - PST - 89502 - -119.77640 - 39.49724 - Reno - NV - - 775 - PST - 89159 - -115.14000 - 36.07000 - Las Vegas - NV - - 702 - PST - 89703 - -119.77824 - 39.17036 - Carson City - NV - - 775 - PST - 89164 - -115.28000 - 36.14000 - Las Vegas - NV - - 702 - PST - 89123 - -115.14618 - 36.03827 - Las Vegas - NV - - 702 - PST - 89003 - -116.76000 - 36.91000 - Beatty - NV - - 775 - PST - 89060 - -116.04000 - 36.30000 - Pahrump - NV - - 775 - PST - 89713 - -119.76213 - 39.16278 - Carson City - NV - - 775 - PST - 89012 - -115.08000 - 36.01000 - Henderson - NV - - 702 - PST - 89511 - -119.76680 - 39.41510 - Reno - NV - - 775 - PST - 89833 - -115.23122 - 40.39951 - Ruby Valley - NV - - 775 - PST - 89821 - -116.47739 - 40.46240 - Crescent Valley - NV - - 775 - PST - 89152 - -115.19000 - 36.17000 - Las Vegas - NV - - 702 - PST - 89460 - 119.63000 - 38.84000 - Gardnerville - NV - - 775 - PST - 89402 - -119.96000 - 39.25000 - Crystal Bay - NV - - 775 - PST - 89714 - -119.76000 - 39.16000 - Carson City - NV - - 775 - PST - 89021 - -114.48000 - 36.60000 - Logandale - NV - - 702 - PST - 89423 - -119.73136 - 39.02177 - Minden - NV - - 775 - PST - 89448 - -119.96000 - 39.00000 - Zephyr Cove - NV - - 775 - PST - 89127 - -115.15000 - 36.18000 - Las Vegas - NV - - 702 - PST - 89414 - -117.33493 - 40.96833 - Golconda - NV - - 775 - PST - 89156 - -115.03000 - 36.20000 - Las Vegas - NV - - 702 - PST - 89802 - -115.75000 - 40.85000 - Elko - NV - - 775 - PST - 89311 - -114.24617 - 39.06600 - Baker - NV - - 775 - PST - 89832 - -116.10000 - 41.95000 - Owyhee - NV - - 775 - PST - 89120 - -115.08849 - 36.09142 - Las Vegas - NV - - 702 - PST - 89452 - -119.93000 - 39.25000 - Incline Village - NV - - 775 - PST - 89084 - -115.12000 - 36.20000 - North Las Vegas - NV - - 702 - PST - 89191 - -115.02000 - 36.23000 - Nellis Afb - NV - - 702 - PST - 89883 - -114.05000 - 40.74000 - West Wendover - NV - - 775 - PST - 89149 - -115.30000 - 36.27000 - Las Vegas - NV - - 702 - PST - 89036 - -115.12000 - 36.20000 - North Las Vegas - NV - - 702 - PST - 88905 - -115.28000 - 36.14000 - The Lakes - NV - - 702 - PST - 89162 - 115.14000 - 36.18000 - Las Vegas - NV - - 702 - PST - 89128 - -115.25625 - 36.17599 - Las Vegas - NV - - 702 - PST - 89124 - -115.09507 - 35.96339 - Las Vegas - NV - - 702 - PST - 89503 - -119.83741 - 39.53540 - Reno - NV - - 775 - PST - 89822 - -116.10821 - 40.71722 - Carlin - NV - - 775 - PST - 89801 - -115.72470 - 40.82620 - Elko - NV - - 775 - PST - 89016 - -114.98000 - 36.03000 - Henderson - NV - - 702 - PST - 89815 - -115.60000 - 40.74000 - Spring Creek - NV - - 775 - PST - 89445 - -117.74669 - 40.96642 - Winnemucca - NV - - 775 - PST - 89504 - -119.81000 - 39.52000 - Reno - NV - - 775 - PST - 89142 - -115.04000 - 36.14000 - Las Vegas - NV - - 702 - PST - 89109 - -115.14538 - 36.12599 - Las Vegas - NV - - 702 - PST - 89413 - -119.92778 - 38.99375 - Glenbrook - NV - - 775 - PST - 89106 - -115.16170 - 36.18467 - Las Vegas - NV - - 702 - PST - 89420 - -118.15711 - 38.40607 - Luning - NV - - 775 - PST - 89033 - -115.12000 - 36.20000 - North Las Vegas - NV - - 702 - PST - 89163 - -115.28000 - 36.14000 - The Lakes - NV - - 702 - PST - 89555 - 119.81000 - 39.53000 - Reno - NV - - 775 - PST - 89830 - -114.19000 - 41.26000 - Montello - NV - - 775 - PST - 89022 - -117.08000 - 38.54000 - Manhattan - NV - - 775 - PST - 89447 - -119.15956 - 38.98657 - Yerington - NV - - 775 - PST - 89074 - -115.08000 - 36.04000 - Henderson - NV - - 702 - PST - 89153 - -115.20000 - 36.16000 - Las Vegas - NV - - 702 - PST