{"id":2452,"date":"2022-11-09T13:53:47","date_gmt":"2022-11-09T21:53:47","guid":{"rendered":"https:\/\/nevadabenefits.com\/?p=2452"},"modified":"2022-11-09T13:53:49","modified_gmt":"2022-11-09T21:53:49","slug":"open-enrollment-for-businesses-vs-individuals","status":"publish","type":"post","link":"https:\/\/nevadabenefits.com\/es\/open-enrollment-for-businesses-vs-individuals\/","title":{"rendered":"Open Enrollment for Businesses vs. Individuals: How It Differs, and Other Questions Answered"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2452\" class=\"elementor elementor-2452\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e69daf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e69daf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dbb6cb6\" data-id=\"dbb6cb6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-487563f elementor-widget elementor-widget-text-editor\" data-id=\"487563f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Getting health insurance is a crucial part of safeguarding your well-being. Therefore, ensuring you make the right decisions during your open enrollment period is essential.<br \/>\u00a0<br \/>To be covered for all of life&#8217;s unexpected bumps, know the difference between open enrollment for businesses vs. individuals, so you aren\u2019t ever left without insurance coverage in an emergency.<br \/>\u00a0<br \/>Knowledge is power. Don\u2019t miss out on something vital to your welfare just because you don\u2019t have all the necessary information.<br \/>\u00a0<br \/>Continue reading to understand all you need to know about open enrollment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-811fe4f elementor-widget elementor-widget-heading\" data-id=\"811fe4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tabla de contenido<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff6ec91 elementor-widget elementor-widget-text-editor\" data-id=\"ff6ec91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li><a href=\"#open-enrollment-for-businesses-vs-individuals-1\">Is Open Enrollment the Same for Businesses vs. Individuals?<\/a><\/li>\n \t<li><a href=\"#open-enrollment-for-businesses-vs-individuals-2\">Individual Open Enrollment: Be Aware of These Top 4 Signs That You\u2019re Being Scammed<\/a><\/li>\n \t<li><a href=\"#open-enrollment-for-businesses-vs-individuals-3\">Special Enrollment Period Eligibility for Businesses and Individuals When You Experience a Qualifying Life Event<\/a><\/li>\n \t<li><a href=\"#open-enrollment-for-businesses-vs-individuals-4\">Nevada Benefits: Helping Businesses and Individuals Get Access to Affordable Health Insurance<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a705b7 elementor-widget elementor-widget-menu-anchor\" data-id=\"4a705b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"open-enrollment-for-businesses-vs-individuals-1\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5eaf9b elementor-widget elementor-widget-heading\" data-id=\"e5eaf9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is Open Enrollment the Same for Businesses vs. Individuals?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a29f27b elementor-widget elementor-widget-text-editor\" data-id=\"a29f27b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.google.com\/maps\/place\/Nevada+Benefits+Health+%26+Employee+Benefits+Insurance+Reno\/@39.5326608,-119.8624456,15z\/data=!4m5!3m4!1s0x0:0xb163744c752689ba!8m2!3d39.5326608!4d-119.8624456?hl=en\" target=\"_blank\" rel=\"noopener\">Open enrollment for businesses vs. individuals<\/a> can be different, and it is necessary to understand these differences.<br \/>\u00a0<br \/><a href=\"https:\/\/www.cms.gov\/newsroom\/press-releases\/all-time-high-136-million-people-signed-health-coverage-aca-insurance-marketplaces-month-open\" target=\"_blank\" rel=\"noopener\">According to the Centers for Medicare &amp; Medicaid Services,<\/a> before the end of December 2021, more than 13.6 million people signed up for their 2022 healthcare coverage using HealthCare.gov. Always use trustworthy sites when you are dealing with healthcare.<br \/>\u00a0<br \/>For individuals, open enrollment is at the same time every year. November is the open enrollment month in Nevada, yet this can differ from state to state. Most of the time, it\u2019s between Nov-Dec since new insurance policies start on Jan 1.<br \/>\u00a0<br \/><a href=\"https:\/\/nevadabenefits.com\/es\/what-is-open-enrollment-and-why-is-it-important\/\">Click here to learn more<\/a> about how open enrollment works for individuals.<br \/>\u00a0<br \/>For businesses, the open enrollment period is when the group starts with their insurance and will be at that same time every year.<br \/>\u00a0<br \/>Read more about<a href=\"https:\/\/nevadabenefits.com\/es\/open-enrollment-what-do-you-bring-with-you\/\">what to bring to your open enrollment appointment here.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-851e915 elementor-widget elementor-widget-heading\" data-id=\"851e915\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can Businesses Move Their Open Enrollment Period?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546723a elementor-widget elementor-widget-text-editor\" data-id=\"546723a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, businesses can usually move their open enrollment period.<br \/>\u00a0<br \/>There can be some restrictions if you are not an established client for 12 months with that particular carrier. But if you are completely changing your carrier, you can cancel your group coverage, and there are no questions asked.<br \/>\u00a0<br \/>If you are planning to switch carriers, start planning about 90 days before open enrollment.<br \/>\u00a0<br \/>Surveying employees to gauge their feelings is an effective way to open up communication about coverage.<br \/>\u00a0<\/p><ul><li>If you don\u2019t know what questions to ask your employees, use the Nevada Benefits concise three-minute survey to connect with your employees for the feedback you need to make a good decision.<\/li><\/ul><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37c499d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"37c499d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/nevadabenefits.com\/es\/small-business-insurance-quote-form\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Please send me the survey<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8c6ab3 elementor-widget elementor-widget-heading\" data-id=\"a8c6ab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Information About \u201cOff-Enrollment\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df8b73d elementor-widget elementor-widget-text-editor\" data-id=\"df8b73d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Additionally, it is essential to realize that group insurance is a month-to-month contract so that you can move to a new carrier anytime \u2013 even during \u201coff-enrollment.\u201d<br \/>\u00a0<br \/>It is a misnomer that you can\u2019t change your insurance coverage until the renewal period. Many businesses don&#8217;t know this because brokers will try to have companies stay longer with their policies. Nevada Benefits has a process to review your specific situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22a51b6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"22a51b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjciLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicitar presupuesto<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d1fe6b elementor-widget elementor-widget-heading\" data-id=\"7d1fe6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Happens if an Individual or Business Misses Open Enrollment?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077a7b elementor-widget elementor-widget-text-editor\" data-id=\"2077a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For businesses, if an employer misses an open enrollment window, generally, they can not sign up for benefits that year unless they have a special exception or qualifying life event, such as the following.<br \/>\u00a0<\/p><ul><li>P\u00e9rdida de cobertura sanitaria<\/li><li>Cambios en el hogar<\/li><li>Cambios de residencia<\/li><li>Certain changes in life circumstances<\/li><\/ul><p>\u00a0<br \/>If you previously had coverage and don\u2019t opt for renewal, you can lose coverage and be forced to pay a fine. Another option is to get a short-term health insurance plan until your open enrollment period opens again.<br \/>\u00a0<br \/><a href=\"https:\/\/nevadabenefits.com\/es\/\">Request a quote or get your questions answered today.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f1fad7 elementor-widget elementor-widget-menu-anchor\" data-id=\"0f1fad7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"open-enrollment-for-businesses-vs-individuals-2\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b601cbf elementor-widget elementor-widget-heading\" data-id=\"b601cbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Individual Open Enrollment: Be Aware Of These Top 4 Signs That You\u2019re Being Scammed\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5c56a4 elementor-widget elementor-widget-text-editor\" data-id=\"d5c56a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Getting the right health coverage for you and your family can be overwhelming, considering all your options regarding cost and coverage.<br \/>\u00a0<br \/>And to add to the already challenging process, scams are prevalent these days. <a href=\"https:\/\/insurancefraud.org\/fraud-stats\/\" target=\"_blank\" rel=\"noopener\">The Coalition Against Insurance Fraud <\/a>reported that in 2020, there were $3.1 billion in false and fraudulent claims when dealing with healthcare fraud.<br \/>\u00a0<br \/>The good news is that if you need help, Nevada Benefits can help fix any issues and clean up any messes you get into.<br \/>\u00a0<br \/><b>Here are some tips to follow to avoid being scammed.<\/b><br \/>\u00a0<\/p><ol><li aria-level=\"1\">Take your time, so you don\u2019t make an impulsive decision. Do your research.<\/li><li aria-level=\"1\">Read carefully, especially the fine print.<\/li><li aria-level=\"1\">Verify the services offered and review the company\u2019s website. Confirm the company\u2019s US address and phone number.<\/li><li aria-level=\"1\">Ensure that the plan provider is licensed.<\/li><li aria-level=\"1\">Don\u2019t enter personal, bank, or credit card information online, in an email, or over the phone.<\/li><li aria-level=\"1\">Don&#8217;t sign up for insurance without having to get a physical exam or provide your medical history. Reputable coverage means that the insurer understands their customers&#8217; history and needs.<\/li><li aria-level=\"1\">Ask for a statement of benefits and a copy of the policy you want to purchase.<\/li><li aria-level=\"1\">Remember that scammers will use \u201cword trickery\u201d to get you to buy. A \u201cPPO, Multi-State, full coverage plan\u201d might sound enticing, be sure to ask questions like: What are my max benefits? If I have surgery, what\u2019s it going to cost\u201d \u201cIs mental health covered?\u201d<\/li><\/ol><p>\u00a0<br \/>Learn more\u00a0<a href=\"https:\/\/nevadabenefits.com\/es\/phone-scam-prevention-tips\/\">scam prevention tips here.<\/a><br \/>\u00a0<br \/>Find out more about Nevada Benefits today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7cf00c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d7cf00c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjciLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicitar presupuesto<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97973b6 elementor-widget elementor-widget-heading\" data-id=\"97973b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">#1: Any \u201cMultiPlan\u201d Coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d0f08 elementor-widget elementor-widget-text-editor\" data-id=\"f0d0f08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Scammers often use the phrase \u201cMultiPlan.\u201d This word should alert you that you are dealing with a scammer.<br \/>\u00a0<br \/>MultiPlan networks or medical discount plans typically offer additional providers that have agreed to offer discounted services. They charge a monthly fee for discounts on medical services from participating providers, but this is not a substitute for health insurance. These plans take your money without ever providing real health insurance.<br \/>\u00a0<br \/>Understanding the difference between medical discount plans and health insurance plans is imperative.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8df9efa elementor-widget elementor-widget-heading\" data-id=\"8df9efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">#2: Pre-Existing Conditions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24d5e69 elementor-widget elementor-widget-text-editor\" data-id=\"24d5e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many scams \u201cpromise\u201d clients they will cover pre-existing conditions without additional costs. However, in some cons, you can end up with expensive medical bills.<br \/>\u00a0<br \/><a href=\"https:\/\/www.hhs.gov\/healthcare\/about-the-aca\/pre-existing-conditions\/index.html\" target=\"_blank\" rel=\"noopener\">The U.S. Department of Health &amp; Human Services reports<\/a> that responsible health insurers can\u2019t deny coverage or charge more due to pre-existing conditions such as:<br \/>\u00a0<\/p><ul><li aria-level=\"1\">Asthma<\/li><li aria-level=\"1\">Diabetes<\/li><li aria-level=\"1\">Cancer<\/li><li aria-level=\"1\">Pregnancy<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b00745 elementor-widget elementor-widget-heading\" data-id=\"1b00745\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">#3: Refusal To Send Quotes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1f251 elementor-widget elementor-widget-text-editor\" data-id=\"9d1f251\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You are most likely being scammed if you&#8217;re being asked to give personal info to receive a quote. The same \u201cagents\u201d who are refusing quotes will be the first ones to send you their \u201clicense\u201d information to try to legitimize their offers.<br \/>\u00a0<br \/>Be proactive and compare prices for health plans, check your eligibility, and begin enrollment through <a href=\"http:\/\/healthcare.gov\/\" target=\"_blank\" rel=\"noopener\">an official government site<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-449245a elementor-widget elementor-widget-heading\" data-id=\"449245a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">#4: Asked To Join an Association<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc30b06 elementor-widget elementor-widget-text-editor\" data-id=\"dc30b06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re being asked to join an association or union to start coverage, this is a sign that you are being scammed. Verify you are purchasing insurance from a reliable source.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1b5a2c elementor-widget elementor-widget-menu-anchor\" data-id=\"d1b5a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"open-enrollment-for-businesses-vs-individuals-3\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61ee1d2 elementor-widget elementor-widget-heading\" data-id=\"61ee1d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Special Enrollment Period Eligibility for Businesses and Individuals When You Experience a Qualifying Life Event<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2942d7 elementor-widget elementor-widget-text-editor\" data-id=\"d2942d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<span>For a qualifying life event, there\u2019s a timeframe for individuals by state \u2013 60 days. For groups, the standard is 30-31 days to make changes and additions.\u00a0<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437bc6f elementor-widget elementor-widget-heading\" data-id=\"437bc6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Loss of Health Coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa58f3 elementor-widget elementor-widget-text-editor\" data-id=\"6fa58f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Loss of health coverage can include losing your existing individual, student, or job coverage. Once a person turns 26, they lose coverage through their parent\u2019s plan.<br \/>\u00a0<br \/><b>A person who becomes ineligible for\u2026<\/b><b><\/b><br \/>\u00a0<\/p><ul><li aria-level=\"1\">Seguro m\u00e9dico del estado<\/li><li aria-level=\"1\">Seguro de enfermedad<\/li><li aria-level=\"1\">CHIP<\/li><\/ul><p>\u00a0<br \/>\u2026can also lose their coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc2181 elementor-widget elementor-widget-heading\" data-id=\"ebc2181\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Changes in Household<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae17431 elementor-widget elementor-widget-text-editor\" data-id=\"ae17431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The following are considered changes in the household:<br \/>\u00a0<\/p><ul><li aria-level=\"1\">Getting married<\/li><li aria-level=\"1\">Getting divorced<\/li><li aria-level=\"1\">Having a baby<\/li><li aria-level=\"1\">Adopting a baby<\/li><li aria-level=\"1\">Death<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ddea93 elementor-widget elementor-widget-heading\" data-id=\"6ddea93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Changes in Residence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b0608 elementor-widget elementor-widget-text-editor\" data-id=\"b3b0608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When you move to a different country or ZIP code, you have a change in residence.<br \/>\u00a0<br \/><b>Additionally, the following situations are considered changes in residence:<\/b><br \/>\u00a0<\/p><ul><li aria-level=\"1\">A student leaving their school address<\/li><li aria-level=\"1\">A seasonal worker moving to a new location<\/li><li aria-level=\"1\">Going to or leaving a shelter or another transitional housing option<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a996e78 elementor-widget elementor-widget-heading\" data-id=\"a996e78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Other Qualifying Events<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50bf7f7 elementor-widget elementor-widget-text-editor\" data-id=\"50bf7f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A change in your salary can affect the coverage available to you.<br \/>\u00a0<br \/><b>Other events that can affect your coverage include:<\/b><br \/>\u00a0<\/p><ul><li aria-level=\"1\">Becoming a US citizen<\/li><li aria-level=\"1\">Working for AmeriCorps<\/li><li aria-level=\"1\">Leaving jail<\/li><li aria-level=\"1\">Becoming a member of a tribe that is recognized federally<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaa0d58 elementor-widget elementor-widget-menu-anchor\" data-id=\"aaa0d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"open-enrollment-for-businesses-vs-individuals-4\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51c1a50 elementor-widget elementor-widget-heading\" data-id=\"51c1a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nevada Benefits: Helping Businesses and Individuals Get Access to Affordable Health Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95ea14f elementor-widget elementor-widget-text-editor\" data-id=\"95ea14f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Insurance coverage can get tricky. Don\u2019t make a mistake; <b>get help from professionals<\/b>.<br \/>\u00a0<br \/>Nevada Benefits is proud to offer options for small businesses, non-profits, individuals, and families. We are ready to share our experience concerning individual insurance, group insurance, and 401K and pensions.<br \/>\u00a0<br \/><b>Our team helps families and businesses thrive and grow<\/b> <b>while having peace of mind when dealing with insurance options.<\/b> We want you to live a happier and healthier life while getting the most out of your health insurance coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8ee9f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5a8ee9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjciLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicitar presupuesto<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Getting health insurance is a crucial part of safeguarding your well-being. Therefore, ensuring you make the right decisions during your open enrollment period is essential.\u00a0To be covered for all of life&#8217;s unexpected bumps, know the difference between open enrollment for businesses vs. individuals, so you aren\u2019t ever left without insurance coverage in an emergency.\u00a0Knowledge is [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":2453,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_wp_rev_ctl_limit":""},"categories":[1],"tags":[],"class_list":["post-2452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"_links":{"self":[{"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/posts\/2452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/comments?post=2452"}],"version-history":[{"count":0,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/posts\/2452\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/media\/2453"}],"wp:attachment":[{"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/media?parent=2452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/categories?post=2452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nevadabenefits.com\/es\/wp-json\/wp\/v2\/tags?post=2452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}