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Health Insurance Terms Explained: Deductible and Out-of-Pocket Maximum
Health insurance might be one of the most complicated purchases you will make throughout your life, so it is important to understand the terms and definitions insurance companies use. Keep these in mind as you are comparing health insurance plan options to choose the right plan for you and make the most of your health insurance benefits. One area of health insurance that can cause confusion is the difference between a plan's deductible and out-of-pocket maximum. They both represent points at which the insurance company starts paying for covered services, but what are they and how do they work? What is a deductible? A deductible is the dollar amount you pay to healthcare providers for covered services each year before insurance pays for services, other than preventive care. After you pay your deductible, you usually pay only a copayment (copay) or coinsurance for covered services. Your insurance company pays the rest. Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles. What is the out-of-pocket maximum? An out-of-pocket maximum is the most you or your family will pay for covered services in a calendar year. It combines deductibles and cost-sharing costs (coinsurance and copays). The out-of-pocket maximum does not include costs you paid for insurance premiums, costs for not-covered services or services received out-of-network. Here's an example: You get into an accident and go to the emergency room. Your insurance policy has a $1,000 deductible and an out-of-pocket maximum of $4,500. You pay the $1,000 deductible to the hospital before your insurance company will pay for any of the covered services you need. If you received services at the hospital that exceed $1,000, the insurance company will pay the covered charges because you have met your deductible for the year. The $1,000 you paid goes toward your out-of-pocket maximum, leaving you with $3,500 left to pay on copays and coinsurance for the rest of the calendar year. If you need services at the emergency room or any other covered services in the future, you will still have to pay the copay or coinsurance amount included in your policy, which goes toward your out-of-pocket maximum. If you reach your out-of-pocket maximum, you will no longer pay copays or coinsurance and your insurance will pay for all of the covered services you require for the rest of the calendar year.
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3 Ways to Enroll in a Hometown Health Insurance Plan
Are you looking for health insurance coverage for the upcoming year? In that case, it's time to browse your options for an Individual or Family Plan. The Open Enrollment Period is from Nov. 1, 2023 until Dec 15, 2023. So, if you're looking for coverage by Jan 1, 2024, you must enroll by Dec 15, 2023. Get a Quote Online Suppose you don't qualify for a health insurance subsidy, no need to worry! You can still choose an individual and family health insurance plan from Hometown Health. Get a quote online by providing your location, the type of coverage you're looking for and your personal/family details. Once you've provided this information, you'll receive health plan options and pricing. And, if you find a plan you like, you can easily self-enroll online. Get Your Online Quote Today Enroll Through the Nevada Health Link Hometown Health offers Individual and Family health insurance plans on Nevada's Healthcare Marketplace, the Nevada Health Link. Through Nevada Health Link, eligible Nevada consumers can shop for, compare and purchase quality and affordable health insurance plans with ease. Nevada Health Link is the only health insurance resource that can provide eligible candidates with federal tax credits and subsidies to help cover the cost of your health insurance. Use Hometown Health's Insurance Subsidy Federal Poverty Level Calculator to see if you qualify for a tax credit or subsidy. Enroll via Nevada Health Link Work with a Health Insurance Broker Hometown Health is northern Nevada's local insurance provider and if you have questions about Individual and Family Plan insurance benefits, you’re in luck! Hometown Health partners with our local health insurance brokers who will work with you, typically at no cost, to help you understand health insurance plans and benefits and find the plan that is best for you. Need assistance finding a broker? Connect with our team by submitting the form below. They'll provide you with a list of our local broker partners. Find a Broker Near You
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Health Insurance Terms Explained: HMO, EPO and PPO Plans
When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans typically require you to select a primary care physician (PCP) and obtain a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO stands for “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.
Read More About Health Insurance Terms Explained: HMO, EPO and PPO Plans
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Locally Owned Not-For-Profit Insurance Company, Hometown Health, Welcomes New CEO
David Hansen, MBA, joins Hometown Health to continue to serve future generations and improve the health and well-being of Nevadans Renown Health and Hometown Health are excited to announce David Hansen, MBA, is joining Hometown Health as its Chief Executive Officer (CEO). In his role as CEO, Hansen will oversee Hometown Health, contributing to its growth to ensure the not-for-profit company is here for generations to come and to assist Renown in developing new care models that will deliver healthcare that is both accessible and affordable. “We are pleased to welcome such an experienced and talented leader like David to our organization and to northern Nevada,” said Tony Slonim, MD, D.Ph., President and CEO, Renown Health. “As CEO of Hometown Health, David will continue to foster a culture of caring and excellence, while ensuring wide-ranging medical coverage and great customer service to Hometown Health’s more than 138,000 members statewide.” Hansen has spent the previous twenty years of his career working for UnitedHealthcare, a health insurance company based out of Minnetonka, Minnesota. During his time at UnitedHealthcare, Hansen held various roles including chief financial officer of clinical & network services, west region president of network & provider services, chief executive officer of the California Health Plan and chief executive officer of the Pacific Northwest Health Plan. He has also served in executive roles with PacifiCare and TransAmerica Occidental Life and began his career in the audit and management consulting practice of Deloitte & Touche. “Choosing healthcare coverage is one of the most important decisions people make. I am excited to begin my work with Hometown Health and Renown to help our members receive the quality coverage to enhance their health and well-being,” said Hansen. “Hometown Health is such a community-focused organization and I look forward to being a part of a team that gives back to improve the health and wellbeing of the communities we serve. ”David has an MBA in Finance and Business Policy from the University of Chicago, and a BA in Economics and Business from the University of California, Los Angeles. About Hometown Health Established in 1988, Hometown Health is the insurance division of Renown Health and is Northern Nevada’s largest locally-owned, not-for-profit health insurance company. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of health care that emphasizes active partnerships between members and physicians. For more information, call 775-982-3000 or visit www.hometownhealth.com. About Renown Health Renown Health is the region’s largest, locally owned and governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 employees, Renown has fostered a longstanding culture of excellence, determination and innovation. The organization comprises a trauma center, two acute care hospitals, a children’s hospital, a rehabilitation hospital, a medical group and urgent care network, and the region’s largest, locally owned not-for-profit insurance company, Hometown Health. Renown’s institute model addresses social determinants of health and includes: Child Health, Behavioral Health & Addiction, Healthy Aging and Health Innovation. Clinical institutes include: Cancer, Heart and Vascular Heath, Neurosciences and Robotic Surgery. Renown is currently enrolling participants in the world’s largest community-based genetic population health study, the Healthy Nevada Project®. For more information, visit renown.org.
Read More About Locally Owned Not-For-Profit Insurance Company, Hometown Health, Welcomes New CEO
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Copays vs. Coinsurance: Know the Difference
Health insurance is complicated, but you don't have to figure it out alone. Understanding terms and definitions is important when comparing health insurance plans. When you know more about health insurance, it can be much easier to make the right choice for you and your family. A common question when it comes to health insurance is, "Who pays for what?" Health insurance plans are very diverse and depending on your plan, you can have different types of cost-sharing: the cost of a medical visit or procedure an insured person shares with their insurance company. Two common examples of cost-sharing are copayments and coinsurance. You've likely heard both terms, but what are they and how are they different? Copayments Copayments (or copays) are typically a fixed dollar amount the insured person pays for their visit or procedure. They are a standard part of many health insurance plans and are usually collected for services like doctor visits or prescription drugs. For example: You go to the doctor because you are feeling sick. Your insurance policy states that you have a $20 copay for doctor office visits. You pay your $20 copay at the time of service and see the doctor. Coinsurance This is typically a percentage of the total cost of a visit or procedure. Like copays, coinsurance is a standard form of cost-sharing found in many insurance plans. For example: After a fall, you require crutches while you heal. Your coinsurance for durable medical equipment, like crutches, is 20% of the total cost. The crutches cost $50, so your insurance company will pay $40, or 80%, of the total cost. You will be billed $10 for your 20% coinsurance.
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Understanding "In-Network" and "Out-of-Network" Providers
When finding a provider to receive your health services, you've probably heard the terms "in-network" and "out-of-network" when it comes to your health plan. But what do these terms mean for a patient? And why should you be aware if a provider is out-of-network? What does it mean when a provider is "in-network" with a health plan? A provider is a person or facility that provides healthcare. When a provider is in-network it means there is a contractual agreement with that health plan regarding the rates for services. The provider will accept negotiated rates for services from the insurance. This means a patient will typically pay less for medical services received and is less likely to receive surprise bills. What does it mean when a provider is "out-of-network" with a health plan? Providers that are out-of-network are those that do not participate in that health plan's network. The provider is not contracted with the health insurance plan to accepted negotiated rates. This mean that patients will typically pay more or the full amount for the service they receive. Why should patients see in-network providers? Seeing an in-network provider for medical services can significantly reduce your medical expenses. Remember that in-network providers have a contractual agreement for negotiated rates with the health plan, so they cannot charge you more than that negotiated rate for a service. Seeing an in-network provider will always ensure any costs you do incur (copays or co-insurance) are applied to your health plan's deductible and out-of-pocket maximum (out-of-network costs don't apply to these amounts). To find the amounts you will pay for specific services, you can check your health insurance plan's Summary of Benefits. What is the best way to find which providers are in-network with a patient's health plan? Most health insurance companies offer multiple ways to find if a provider is in-network. To find the most accurate benefit information from your health plan, you can: Call their Customer Service department Check their website for their online provider directories If offered, check your online member portal.
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Hometown Health Enters Affordable Care Act Marketplace
Softheon and Hometown Health, Nevada's largest not-for-profit insurance company, have formed a partnership to serve Nevadans enrolling through Nevada Health Link state-based ACA marketplace. Nevada's largest not-for-profit health insurance company, Hometown Health, has entered the Affordable Care Act (ACA) marketplace and has expanded their health plan offerings through a partnership with Softheon, a leading cloud-based health insurance exchange and service provider. Softheon's innovative platform is helping bring quality health care to Nevada residents enrolling in Hometown Health insurance through Nevada Health Link. “Softheon’s expert knowledge of the ACA marketplace coupled with their leading enrollment and billing technology has made them the perfect partner during Hometown Health’s first open enrollment period on the exchange,” said David Hansen, Hometown Health CEO. “Today, more than 100,000 people in Nevada choose Hometown Health for their insurance needs. Thanks to Softheon, we look forward to expanding insurance coverage options, in a way that is simple and convenient, to our friends and families who use Nevada Health Link.” Since the beginning of the 2021 open enrollment period, over 800 new members have seamlessly enrolled in Hometown Health’s insurance thanks to Softheon’s cutting-edge software. The partnership with Softheon will improve member enrollment, billing and communications, enabling Hometown Health to remain focused on their core mission of providing excellent healthcare to Nevada residents. As the health insurance division of Renown Health, northern Nevada’s leading healthcare provider, Hometown Health offers members competitive rates and the largest network of providers in the region. Renown Health provides advanced medical services including Renown Regional Medical Center, an 808-bed full service regional hospital, Renown South Meadows Medical Center, a 76-bed acute care community hospital, Renown Children’s Hospital, the region’s only children’s hospital with 83 beds, and Renown Rehabilitation Hospital, a 62-bed rehabilitation hospital. These facilities provide quality healthcare for Renown's primary service area, Washoe County and the secondary service areas of northern Nevada and northern California. Renown Health has more than 7,000 employees and serves northern Nevada, Lake Tahoe and northeast California with a total population in excess of 2 million. In addition to hospitals, Renown also has 110 medical group practice sites, urgent care and outpatient imaging sites. Renown Health and Hometown Health offer advanced care for patients and embrace their role in improving the health and well-being of the people and communities. “The continued growth of the Affordable Care Act marketplace is welcome news for consumers who are seeking more options for accessing health coverage,” said Eugene Sayan, CEO and founder of Softheon. "We are excited to partner with Hometown Health on their entrance into the ACA marketplace to create seamless experiences for their members and connect more individuals in Nevada with quality health care.” Along with improving member enrollment, billing and communications, Softheon helps Hometown Health continue to ensure accuracy through monthly Advanced Premium Tax Credits premium reconciliation. The turnkey solution provided by Softheon has guided Hometown Health in handling all regulatory and operational requirements required of insurers in the ACA marketplace. The partnership has given Hometown Health the opportunity for expanded reach while making a bigger impact on communities across the state. To learn more about Softheon, visit www.softheon.com. To learn more about Hometown Health, visit www.hometownhealth.com. About Softheon Founded in 2000, Softheon’s Software-as-a-Service (SaaS) and Business Process-as-a-Service (BPaaS) solutions solve complex challenges for health plans and government health agencies. Currently, Softheon’s solutions serve 8 State agencies and over 90 health plans. Issuers and consumers utilizing Medicaid, Medicare, and the ACA Marketplace benefit from Softheon’s innovative technology that reduces administrative overhead and enhances user-experiences. Softheon is an Agent, Broker, and Merchant of Record that facilitates health insurance enrollment, billing, and renewal. About Hometown Health Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada's largest local, not-for-profit health insurance company. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of health care that emphasizes active partnerships between members and physicians. For more information, call 775-982-3000 or visit www.hometownhealth.com.
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3 Unexpected Perks of Choosing a Hometown Health Plan
Becoming a Hometown Health plan member opens you up to the largest provider network in our region. As northern Nevada’s only not-for-profit health insurance company, the hometown advantage goes beyond your health coverage – and you may not be using all the perks available to you. Here are three benefits that Hometown Health is proud to offer all members to enhance wellbeing and connect the dots between healthcare and technology. MyChart MyChart is Renown Health's and Hometown Health’s secure online member portal that gives you direct access to your health and benefit information. From 24/7 access to your benefits and important documents to scheduling an appointment with your provider, this free tool is a great way to keep track of your family’s health. If you have a Renown primary care provider, you can use MyChart to: Securely email your healthcare provider. Get your test results faster and view your After Visit Summaries. Request prescription refills. Schedule and check-in for appointments. Pay your bill. Request your medical records and review immunization records. Manage designated health care agents and upload end-of-life documents, such as advance directives and a living will. View or download your documents: Member ID Card, Summary of Care, Explanation of Benefits, Referrals and Authorizations. Get in touch with our Customer Engagement Center. Telehealth Virtual visits have never been easier thanks to Renown Telehealth and Teladoc. These two tools are convenient options that allow members to be seen by a qualified doctor via phone or video chat who can diagnose, recommend treatment and prescribe medication for many non-emergent medical conditions – no matter where you are. Some of the health issues your virtual provider can treat include: Cold and flu Allergies Sore throat Sinus infection Respiratory infection Stomach bug Ear infection Urinary tract infection Both Renown Telehealth and Teladoc are also staffed with specialists in behavioral health, where you can speak with a therapist or psychiatrist on a wide variety of issues, including: Stress and anxiety Depression Trauma Grief Burnout Medication management Renown is also proud to offer access to top-level specialty care to address your ongoing condition and help guide you through illness maintenance and education. Through Renown Telehealth, Hometown Health members have access to a variety of specialties, including (but not limited to): Adolescent Medicine Cardiology Hematology, Oncology and Pediatric Oncology Nephrology Pediatric Endocrinology Pediatric Neurology Pulmonary and Pediatric Pulmonary Sleep Medicine New in recent years, Teladoc is now proud to offer both dermatology and nutrition visits. Teladoc dermatologists can treat conditions like acne, rosacea and rashes, while their registered dieticians can help you manage your nutrition and weight goals. Booking an appointment with Renown Telehealth is easy by heading over to MyChart and selecting “Schedule an Appointment.” To book an appointment with a Teladoc provider, visit teladoc.com or download the Teladoc app. Renown Telehealth is available within the state of Nevada, and Teladoc is available in all 50 states. Your copay can be as low as $0 for each visit; check your plan documents for more information. Doctoroo The house call has returned – avoid long urgent care waits with Doctoroo. Through Doctoroo, Hometown Health members have access to in-home urgent care services at the same price as your regular urgent care copay. A call to Doctoroo will dispatch a fully equipped medical team consisting of an EMT and either a nurse practitioner or physician assistant to your home within a few hours. Whether you need treatment or testing, each team is ready to provide care in the comfort of your own home with their over 60 medications and antibiotics, EKGs, wound dressings, IVs, catheters and more. Doctoroo care teams can address and treat many non-emergent care areas and conditions, including (but not limited to): Respiratory Ear, Nose, Throat Eye Wound Care Cardiac Care Musculoskeletal Gastroenterology Doctoroo is open year-round from 7 a.m. to midnight. Book a house call in minutes in the Doctoroo app or by calling (888) 888-9930.
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Open Enrollment for Medicare Advantage Begins Oct. 15
Eligible individuals can now enroll in northern Nevada's 4-star Medicare Advantage Plan with premier access to the region's most preferred healthcare network*. Nevada is fortunate to be home to one of the over 100 provider-owned health insurance plans across the United States. Together, they cover more than 26 million enrollees, or about 8% of the population (2017). Kaiser Permanente is the most well-known nationally, but there are many other regional plans, including not-for-profit, Hometown Health based in Reno, NV. Today's dynamic health care marketplace has created an environment in which some hospitals and health care systems are operating a health plan - either on their own or in partnership - as part of their strategy to advance health in their communities. Beginning Thursday, Oct. 15, area Medicare recipients will have the opportunity to enroll in locally-owned Senior Care Plus, a 4-star Medicare Advantage Plan from Hometown Health. Senior Care Plus is available for eligible beneficiaries residing in Carson City and Washoe County during the 2021 Annual Election Period, taking place Thursday, Oct. 15 through Monday, Dec. 7. “Health policy experts celebrate the benefits of provider-owned insurers. As insurers, we have incentives to control costs and improve the health of the community we serve,” said Tony Slonim, MD, DrPH, president and CEO of Renown Health. “As an integrated provider network, we are able to work with physicians and providers, increase value by improving outcomes and better managing the total cost of care for patients.” Senior Care Plus members have access to the locally-owned and governed integrated care network, Renown Health. This network is the region’s most preferred healthcare network offering primary, specialty care and hospital and emergency services across northern Nevada. In U.S. News and World Report Best Hospital rankings, Renown South Meadows Medical Center was listed #1 in the State of Nevada. Renown Regional Medical Center was named #2 Best Hospital in Nevada. Hospitals earning a high performing rating were significantly better than the national average. “We are proud to offer Hometown Health and Senior Care Plus members specialized resources, tools and services created to help them thrive,” said David Hansen, CEO of Hometown Health. “Working closely alongside the team at Renown Health, we continuously look for new and innovative ways to enhance the health and well-being of our community.” “At Senior Care Plus, we are proud to be your partners in health,” said CJ Bawden, director of government programs at Hometown Health. “Our members enjoy premier healthcare at an unmatched value, along with locally-based, world-class service from our friendly and knowledgeable team of customer service specialists. It truly is an honor to serve our members and their health as they set out to live their best lives.” Affordable Care, When and Where You Need It According to the Medicare Plan Finder, of the 22 Medicare Advantage plans available in Washoe County, Senior Care Plus plans occupy the top two spots when ranked by plans offering the lowest drug and premium costs. In addition to high-quality and affordable in-person care, members can take advantage of urgent care and medical services delivered in the comfort of their homes thanks to a partnership with Dispatch Health. Furthermore, members have convenient access to Renown care providers through virtual visits, along with Teladoc services available 24 hours a day, seven days a week. Senior Care Plus Benefits Senior Care Plus offers a wide range of plans, many of which have no monthly premiums. Plan options also offer supplemental benefits not covered by original Medicare, such as hearing, dental and vision coverage as well as $20 chiropractic visits, prescription drug gap coverage at no cost, and complimentary gym memberships. “Beginning, Wed., Oct. 14, the newest Renown Medical Group location at 1525 Los Altos Pkwy, Reno, NV, opens to provide care to primary care, lab services to patients of all ages, and will debut the first Senior Care Lounge featuring beautiful spaces to better serve members of Hometown Health’s Medicare Advantage Plan,” said Ty Windfeldt, chief operations officer for health services. “We are excited for the community to see this gorgeous space, filled with natural light, healing colors and images, as well as state-of-the-art clinical equipment. Furthermore, members with a Renown-based primary care provider have access to a personal assistant who can help with appointment scheduling and healthcare screening coordination, medication coordination, health insurance and billing questions, and more. For more details about Senior Care Plus, to attend a virtual meeting, or schedule an in-person meeting, visit SeniorCarePlus.com or call 775-982-3112. About Senior Care Plus & Hometown Health Senior Care Plus is the largest Medicare Advantage plan in northern Nevada serving more than 17,000 members. Senior Care Plus is offered by Reno-based Hometown Health, Nevada’s largest not-for-profit health insurance company and the insurance arm of Renown Health. Originally named Hospital Health Plan, Hometown Health was founded in 1988 and has grown to more than 160,000 members. The Hometown Health name reflects the organization’s commitment to the communities in which it operates and its involvement in what matters most, the people it serves. To learn more about Senior Care Plus visit SeniorCarePlus.com and to learn more about Hometown Health, please visit HometownHealth.com. *Reported by the National Research Corporation, July 1, 2018 - June 30, 2019
Read More About Open Enrollment for Medicare Advantage Begins Oct. 15
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3 Ways to Switch to a Medicaid Plan Accepted at Renown
Medicaid plays a significant role in our health care system and is the nation’s public health insurance program. In addition, this program is the predominant source of long-term care coverage for Americans. Renown Health is contracted with two Medicaid plans: Molina and Anthem. If you currently have a different plan but want to change to one that Renown accepts, you can request to change plans during the open enrollment period from January 1 to March 31. Request to change your Medicaid plan in one of three ways: Request a change to your plan, or managed care organization (MCO), by reviewing the available MCO plans online at bit.ly/MCOPlansNV and filling out the form on the webpage. Email Nevada Medicaid to ask for a plan change and include your name, Medicaid ID and the names and Medicaid IDs of any dependents in your home: MCORedistribution@dhcfp.nv.gov. Call your local Medicaid district office at 775-687-1900 (northern Nevada) or 702-668-4200 (southern Nevada) to ask about changing your plan. For more information about the Medicaid plans accepted at Renown Health, please visit: Anthem Molina Healthcare Renown Health accepts most insurances, but please visit the link below for the full list. Click here for all accepted plans
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Open Enrollment Set to Begin Nov. 1 – Renown’s Hometown Health to Offer Convenient Local Care Options
The Open Enrollment period begins Nov. 1 and runs through Nov. 30 Nevada’s largest locally owned, not-for-profit health insurance company, Hometown Health, is excited to announce the beginning of the open enrollment period starting Nov. 1 and running until Nov. 30. Individual and Family Plans (IFP) are available in Washoe, Douglas, Lyon and Storey Counties as well as Carson City. This expanded network increases healthcare access for thousands of Nevadans, including those in both our urban and rural communities. For 2023, Nevadans can continue to find affordable health insurance plans that fit their needs and budget through the Nevada Health Link, a website created by the Silver State Health Insurance Exchange. Nevada Health Link is an insurance resource that connects individuals to a variety of insurance plans from different health insurance companies, including Hometown Health. Certain individuals and plans may also qualify for federal tax credits and subsidies to help cover the cost of insurance. Renown Health is Nevada‘s largest provider network and members of Hometown Health can enjoy access to a wide variety of patient resources and top-rated providers. “Health insurance is vital to peace of mind, providing individuals and families with the tools they need to take charge of their health,” said Bethany Sexton, MBA, CEO at Hometown Health. “New and existing members can rest assured that they have a partner in their health and the best care options when they choose Hometown Health due to Renown’s thoughtful and innovative growth in our communities.” The facilities enhancement project is one example of the amplified care available at Renown Health. Renown South Meadows Medical Center will be the home of a new 121,000 gross square foot, three-story Specialty Care Center which will showcase the latest technology, enhance patient safety and improve the hospital experience. The team at Renown Regional Medical Center is also nearing completion on two new floors in the Tahoe Tower which will include a new state-of-the-art Neonatal Intensive Care Unit, Pediatric Intensive Care Unit and a Surgical Trauma Intensive Care Unit. More information on Renown’s larger facilities enhancement projects can be found at renown.org/ExpandingCare. IFP plans also include many convenient and cost-saving benefits including access to Renown Primary Care physicians for yearly health screenings and tests; Health Savings Account options to pay for eligible healthcare, dental or vision expenses; easy to navigate access to health information in one place through MyChart; local customer service representatives available to answer your healthcare benefit questions and convenient Renown Pharmacy locations. Derek Beenfeldt, MD, Chief Medical Officer at Hometown Health, stresses the importance of choosing a health insurance plan that provides on-demand, accessible care options. “When you or your family members are sick, the last thing you want to worry about is your insurance coverage. You want to know you are getting the best care possible and you want to trust that care will be in network. Access to Renown’s care, coordinated by Hometown Health, ensures our members receive the exceptional care – delivering the right care at the right time” said Dr. Beenfeldt. Hometown Health members also enjoy access to 24/7 virtual visits through Teladoc, in home care through Dispatch Health and various Renown Urgent Care locations. For details about Hometown Health® benefits or the open enrollment period, visit HometownHealth.com or call 775-982-3232. About Hometown Health Established in 1988, Hometown Health is northern Nevada’s only locally-owned, not-for-profit health insurance company. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of health care that emphasizes active partnerships between members and physicians. Hometown Health values prevention as a key component of comprehensive care - reducing the risks of illness and helping to treat small problems before they can become more severe. Hometown Health offers a number of insurance products including HMO, PPO, HSA, Dental, Vision, Individual and Family and Senior Care Plus, northern Nevada’s first Medicare Advantage Plan. For more information, call 775-982-3000 or visit hometownhealth.com. About Renown Health Renown Health is Nevada’s largest, locally governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 employees, Renown has fostered a longstanding culture of excellence, determination and innovation. The organization comprises a trauma center, two acute care hospitals, a children’s hospital, a rehabilitation hospital, a medical group and urgent care network, and the locally owned not-for-profit insurance company, Hometown Health. Renown is currently enrolling participants in the world’s largest community-based genetic population health study, the Healthy Nevada Project®. For more information, visit renown.org.