Business Details
28 Years
experience
Your Trusted Nevada Insurance Broker
Health Benefits Associates has been serving Nevada clients for over 25 years, dedicated to helping individuals, families, and businesses navigate the complexities of health insurance. Our team of licensed professionals works with every major insurance carrier in the state to find clients the most affordable plans tailored to their specific needs. We pride ourselves on offering personalized, face-to-face consultations in our Reno office and providing zero-fee services, as our compensation comes directly from insurance companies. With expertise in Medicare, small business health plans, and individual policies, we simplify the insurance process while maintaining a strong focus on client satisfaction and transparency. 
Services
Medicare Plans
Small Business Insurance
Individual Health Insurance
Dental Coverage
Vision Insurance
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of local insurance expertise in Nevada
- Our brokers work with every major insurance carrier in the state
- Zero fees for our services - we're paid by insurance companies
- Personalized in-person consultations at our Reno office
- Specialized knowledge of Medicare, small business, and individual plans
What people say
Exceptional at what he does
Prompt responses
Lifesaver
Thorough explanations
Advocate and advisor
Services
Medicare Plans
We specialize in helping Nevada seniors navigate Medicare options including Original Medicare, Supplement plans, and Advantage plans. Our experts explain Part A, B, and D coverage details while comparing costs and benefits. We assist with enrollment during annual periods and special circumstances while explaining network limitations and prescription coverage differences.
Small Business Insurance
Our team helps Nevada businesses with 2+ employees secure affordable group health insurance through multiple carriers. We explain pre-tax savings benefits and compare policy options with stable rate structures. We ensure broad in-network provider access while helping meet participation requirements for small group plans.
Individual Health Insurance
We assist individuals and families in finding ACA-compliant marketplace and off-marketplace plans. Our brokers explain premium tax credits and cost-sharing reductions while comparing network hospitals and prescription formularies. We help with special enrollment periods triggered by life events like relocation or job changes.
Dental Coverage
We offer standalone dental plans from carriers like Delta and Ameritas with annual maximums up to $2,000. Our experts explain waiting periods for major procedures and graded benefit structures that reward long-term enrollment. We compare network dentist availability across Nevada.
Vision Insurance
Our vision plans cover annual eye exams, frames, and lenses through VSP and other providers. We explain coverage cycles for eyewear purchases and compare network optometrist availability. Plans include discounts on corrective lenses and routine vision care services.
People
Matt Law
Vice President of Business Development
Licensed broker with 12 years of experience specializing in Medicare and employer-based plans. Double major in Criminal Justice and Speech Communications from University of Nevada. Recipient of 2023 Twenty Under 40 Award for Northern Nevada achievements.
Grant Dodge
Vice President of Operations
Insurance operations expert with accounting and information systems background from University of Nevada. Focuses on client relationships and problem-solving for various insurance lines since joining in 2015.
Trevor VanBoven
Broker
Marketing graduate from University of Nevada (2021) with expertise in Medicare and individual insurance. Provides ongoing client support while tracking industry changes to maintain current knowledge of plan options.
Katie Mendoza
Broker
Former collegiate soccer coach with master's degree in athletic leadership. Specializes in connecting with clients to navigate insurance complexities and find appropriate coverage solutions for Northern Nevada families.
Kevin Sampson
Founder
Established Health Benefits Associates in 1998 after 11 years of helping Northern Nevada employers with group insurance needs. Maintains relationships with all active Nevada insurers to provide competitive premium options across product lines.
Questions
What insurance options exist outside open enrollment?
You can enroll mid-year with qualifying life events like relocation, job loss, or family changes. Nevada residents can also purchase private insurance without a qualified event but face 90-day waiting periods.
How do dental insurance plans work in Nevada?
Stand-alone dental policies offer graded benefits that improve with continued enrollment. Plans have annual maximums ($1,000-$2,000) and varying waiting periods for major procedures. Delta and Ameritas offer competitive options with network dentists.
What's the penalty for no health insurance?
Federal penalties ended in 2019, but remaining uninsured means paying full medical costs. Nevada residents can still enroll in private plans year-round with 90-day waiting periods for non-qualifying applicants.
How do Medicare supplement plans differ from Advantage plans?
Supplement plans (Medigap) offer nationwide coverage with higher premiums covering Part B deductibles. Advantage plans have lower premiums but restrict networks and require specific service areas. Supplement plans don't include prescription coverage.
Can small businesses switch insurance carriers mid-year?
Yes, small group plans can change carriers at any renewal anniversary date. Our brokers help compare new options while ensuring continuity of care for employees through different insurance networks.
Do you charge fees for insurance services?
No, we provide all services free of charge. Insurance companies pay our commissions, so clients pay the same premiums whether working directly with carriers or through our brokerage.
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