Insurance in Las Vegas
Data source: US Census year 2000
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Uninsured in Clark County
Las Vegas is the county seat of Clark County.
Two out of ten people in Clark County (16.3%) lack health insurance. In the state of Nevada, 15.8% are without.
Among the population under 18 years in Clark County, 14.4% are uninsured, while the figure for Nevada is 13.7%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Safety in Las Vegas
There are 5416 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Las Vegas (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 89% of Las Vegas residents drove to work, and 5% used public transport. 2% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Las Vegas, Nevada Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Las Vegas, Nevada
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A Better Way Insurance Agency
(702) 869-20011591 N Buffalo Dr Ste 160
Las Vegas, Nevada 89128-3633 -
Access Health Associates
(702) 579-25843675 S Rainbow #107
Las Vegas, Nevada 89103-7812 -
Affordable Health Ins
(702) 568-8719
Las Vegas, Nevada 89101 -
Aflac
(702) 385-3522820 Rancho Ln Ste 85
Las Vegas, Nevada 89101-3806 -
Aflac Regional
(702) 597-27882500 Chandler Ave Ste 22
Las Vegas, Nevada 89120-4065 -
Alliance For Affordable Services
(702) 258-80264550 W Oakey Blvd
Las Vegas, Nevada 89102-1581 -
ALLSTATE INSURANCE
(702) 365-03888665 W FLAMINGO RD STE 101
Las Vegas, Nevada 89147-8621 -
Andy Ballagh Ins Agcy Inc - State Farm Insurance Agent
(702) 562-75047901 W Tropical Pkwy Ste 140
Las Vegas, Nevada 89149-4534 -
ASSOCIATION FIELD SERVICE
(702) 262-01101055 EAST TROPICANA AVENUE
Las Vegas, Nevada 89119-6615 -
Barbara J Rosales Ins Agcy Inc State Farm Insurance Agent
(702) 876-50824045 S Buffalo Ste A106
Las Vegas, Nevada 89147-7481 -
Blackwell, M George - State Farm Insurance Agent
(702) 873-80003300 S Decatur Blvd No 12
Las Vegas, Nevada 89102-8147 -
Borell, Richard R - State Farm Insurance Agent
(702) 453-95004250 E Bonanza Rd Ste 16
Las Vegas, Nevada 89110-6105 -
Brown Denise
(702) 349-7579
Las Vegas, Nevada 89101 -
Brown, Todd Charles - State Farm Insurance Agent
(702) 647-14141021 W Owens Avenue Suite H
Las Vegas, Nevada 89106-2589 -
Bruce Holloway Ins Agcy Inc - State Farm Insurance Agent
(702) 870-27739921 W Charleston Ave Suite 5
Las Vegas, Nevada 89117-7517 -
Bruno Mark Financial Services/Linsco Private Ledgr
(702) 247-14472881 S Valley View Blvd Ste 8
Las Vegas, Nevada 89102-0172 -
Chsi of Nevada
(702) 736-44151771 E Flamingo Rd Ste 223b
Las Vegas, Nevada 89119-0836 -
Citsay, Mark D - State Farm Insurance Agent
(702) 363-1979204 S Rainbow Blvd
Las Vegas, Nevada 89145-5304 -
Clark D Mantz Ins Agcy Inc - State Farm Insurance Agent
(702) 871-40006370 W Flamingo Road Suite 8
Las Vegas, Nevada 89103-2275 -
Curt Scheppmann Ins Agcy Inc - State Farm Insurance Agent
(702) 341-91019101 W Sahara Ave Suite 104
Las Vegas, Nevada 89117-5772 -
Custom Benefit Consultant
(702) 838-27777465 W Lake Mead Blvd Ste 100
Las Vegas, Nevada 89128-1033 -
Cutler Michael A
(702) 877-40002481 N Decatur Blvd Ste D
Las Vegas, Nevada 89108-2957 -
David Lefevre Insurance
(702) 240-3377
Las Vegas, Nevada 89101 -
Denise Brown
(702) 349-7579
Las Vegas, Nevada 89101 -
Dennis Financial Services
(702) 366-0308628 S 10th St
Las Vegas, Nevada 89101-7001 -
Dietrich, Shelley L - State Farm Insurance Agent
(702) 876-19195431 S Rainbow Suite C1
Las Vegas, Nevada 89118-1863 -
Edwards, Tammy M
(702) 260-35581725 S Rainbow Blvd Ste 11
Las Vegas, Nevada 89146-1672 -
Evans, Jody R - State Farm Insurance Agent
(702) 251-97608450 W Sahara Avenue Ste 111
Las Vegas, Nevada 89117-8922 -
Family Discount Services
(702) 215-3580953 E Sahara Ave
Las Vegas, Nevada 89104-3005 -
Farmers Insurance Group of Companies
(702) 407-0200205 E Warm Springs Rd Ste 103
Las Vegas, Nevada 89119-4250 -
Ferrier, Thomas S - State Farm Insurance Agent
(702) 255-77707528 Westcliff Drive
Las Vegas, Nevada 89145-5175 -
Gga Insurance
(702) 568-9320
Las Vegas, Nevada 89101 -
Green Valley Benefit Services Inc
(702) 361-03232276 Candlestick Ave
Las Vegas, Nevada 89101-2360 -
Griebel Janie Louise
(702) 656-38005081 N Rainbow Blvd Ste 104
Las Vegas, Nevada 89130-3861 -
Gw Kring & Co Inc
(702) 792-1167311 Pecos Way
Las Vegas, Nevada 89121-2438 -
Hagberg, Donald G - State Farm Insurance Agent
(702) 257-11134445 W Flamingo Road
Las Vegas, Nevada 89103-3703 -
Hammond, James N - State Farm Insurance Agent
(702) 739-84442375 E Tropicana Ave Ste D
Las Vegas, Nevada 89119-6542 -
Harrison Insurance
(702) 648-1634724 S 9th St
Las Vegas, Nevada 89101-7015 -
Healing Health Care Services
(702) 369-97771555 E Flamingo Rd
Las Vegas, Nevada 89119-5258 -
Health Insurance
(702) 259-01236180 W Charleston Blvd
Las Vegas, Nevada 89146-1147 -
Health Insurance Brokers Network
(702) 221-2090500 N Rainbow Blvd
Las Vegas, Nevada 89107-1082 -
Health Management Associates
(702) 304-550010300 W Charleston Blvd Ste 13
Las Vegas, Nevada 89135-1038 -
Healthline Insurance Services Inc
(702) 227-57274525 W Reno Ave Ste A5
Las Vegas, Nevada 89118-4903 -
Huddleston, Robert J - State Farm Insurance Agent
(702) 871-11035775 W Sahara
Las Vegas, Nevada 89146-3120 -
Huelsman, Todd A - State Farm Insurance Agent
(702) 646-86332481 N Decatur Blvd Ste D
Las Vegas, Nevada 89108-2957 -
Humphrey, William G - State Farm Insurance Agent
(702) 363-84408554 West Lake Mead Boulevard
Las Vegas, Nevada 89128-7630 -
Impact Medical
(702) 870-7053
Las Vegas, Nevada 89148 -
Ives Michael Ins
(702) 597-34342500 Chandler Ave Ste 1
Las Vegas, Nevada 89120-4064 -
Ja Jensen & Associates
(702) 434-32255812 S Pecos Rd Ste B
Las Vegas, Nevada 89120-5417 -
James, Eric Donald - State Farm Insurance Agent
(702) 836-09531350 E Flamingo Rd Ste 14
Las Vegas, Nevada 89119-5268 -
Jay Hodapp Ins Agcy Inc - State Farm Insurance Agent
(702) 361-13168170 S Eastern Suite 11
Las Vegas, Nevada 89123-2578 -
Keever, Larry V - State Farm Insurance Agent
(702) 363-815110300 W Charleston Blvd
Las Vegas, Nevada 89135-1037 -
Keith E Starr Ins Agcy Inc - State Farm Insurance Agent
(702) 731-55859310 So Eastern Ave Suite 103
Las Vegas, Nevada 89123-6844 -
Kennedy Michael C
(702) 645-22007901 W Tropical Pkwy Ste 140
Las Vegas, Nevada 89149-4550 -
KIA Insurance
(702) 892-02662785 East Desert Inn Road # 134
Las Vegas, Nevada 89121-3626 -
Larry F Conner Ins Agcy Inc - State Farm Insurance Agent
(702) 363-30088220 W Charleston Blvd
Las Vegas, Nevada 89117-1219 -
Lee, Barry L - State Farm Insurance Agent
(702) 896-50079620 Las Vegas Blvd South
Las Vegas, Nevada 89123-3351 -
Life & Health Insurance Of Nevada
(702) 380-8232P.O. Box 70508
Las Vegas, Nevada 89170-0508 -
Lopez, Christopher T - State Farm Insurance Agent
(702) 870-36633812 Meadows Lane
Las Vegas, Nevada 89107-3113 -
Lori Wilson
(702) 739-84012500 Chandler Ave
Las Vegas, Nevada 89120-4004 -
Lowe, Katharine B - State Farm Insurance Agent
(702) 363-45003655 S Durango Dr Suite 1
Las Vegas, Nevada 89147-4107 -
Madrid, James A - State Farm Insurance Agent
(702) 458-53007291 S Eastern Ave Ste 1-E
Las Vegas, Nevada 89119-0436 -
Mark A Brandon Ins Agcy Inc - State Farm Insurance Agent
(702) 873-34609360 W Flamingo Road Ste 109
Las Vegas, Nevada 89147-6414 -
Matorian, Mervyn J - State Farm Insurance Agent
(702) 256-81008574 Del Webb Boulevard
Las Vegas, Nevada 89134-8676 -
Medical Management Services
(702) 304-550010300 W Charleston Blvd Ste 13
Las Vegas, Nevada 89135-1038 -
Meservey, John Randall - State Farm Insurance Agent
(702) 562-75907901 W Tropical Pkwy Ste 140
Las Vegas, Nevada 89149-4534 -
Miller, Randi L - State Farm Insurance Agent
(702) 454-31003315 E Russell Road Suite 4E
Las Vegas, Nevada 89120-3459 -
Moore, Gregory A - State Farm Insurance Agent
(702) 870-92984312 West Charleston Blvd
Las Vegas, Nevada 89102-1635 -
NEVADA BENEFITS CORP
(702) 258-19959505 HILLWOOD DR UNIT 100
Las Vegas, Nevada 89134-0514 -
Nevada For Affordable Healthcare
(702) 933-01913225 S Rainbow Blvd
Las Vegas, Nevada 89146-6500 -
Nevadacare
(702) 304-550010300 W Charleston Blvd Ste 13
Las Vegas, Nevada 89135-1038 -
Pahl, Lee F - State Farm Insurance Agent
(702) 451-01233660 East Desert Inn Road
Las Vegas, Nevada 89121-3319 -
Pearson Jr, Leon A - State Farm Insurance Agent
(702) 457-03061900 E Sahara Avenue Ste 100
Las Vegas, Nevada 89104-3814 -
Peck, Debra A - State Farm Insurance Agent
(702) 255-76667450 W Lake Mead Suite 3
Las Vegas, Nevada 89128-0295 -
Pinjuv, F Mike - State Farm Insurance Agent
(702) 870-0442840 S Rancho Suite 6
Las Vegas, Nevada 89106-3802 -
Polen Michael
(702) 471-80005841 E Charleston Blvd
Las Vegas, Nevada 89142-1021 -
Powers, Richard T - State Farm Insurance Agent
(702) 871-83382920 So Rainbow Blvd Ste 100
Las Vegas, Nevada 89146-6214 -
R & R Nevada Insurance Group
(702) 435-11604660 S Eastern Ave
Las Vegas, Nevada 89119-6137 -
Ramos, Eugene A - State Farm Insurance Agent
(702) 597-17505516 Boulder Hwy Ste 2J
Las Vegas, Nevada 89122-6000 -
Reedom, Ronald L - State Farm Insurance Agent
(702) 459-95461943 N Nellis Blvd
Las Vegas, Nevada 89115-3647 -
Rogahn Insurance Agency
(702) 407-0200205 E Warm Springs Rd
Las Vegas, Nevada 89119-4249 -
Ross Jeffrey X
(702) 889-66001725 S Rainbow Blvd Suite 11
Las Vegas, Nevada 89146-0088 -
Rowan, Joseph A - State Farm Insurance Agent
(702) 658-00954414 N Rancho Drive
Las Vegas, Nevada 89130-3406 -
Rsb Inc Health Insurance
(702) 731-9641101 Convention Center Dr Ste 1150
Las Vegas, Nevada 89109-2029 -
Sandra Merritt Agency Network
(702) 221-2090500 N Rainbow Blvd
Las Vegas, Nevada 89107-1082 -
Scheffler, Sandra M
(702) 396-01117171 W Craig Rd Ste 109
Las Vegas, Nevada 89129-6511 -
Scheppmann, Mark L - State Farm Insurance Agent
(702) 645-78587450 W Cheyenne Suite 105
Las Vegas, Nevada 89129-7409 -
Shannon, Michael J - State Farm Insurance Agent
(702) 453-5448707 N Nellis Blvd
Las Vegas, Nevada 89110-5331 -
Shumway, Charles S - State Farm Insurance Agent
(702) 869-66001930 Village Center Circle
Las Vegas, Nevada 89134-6238 -
Southwest Rx/Medical Plan
(702) 223-6621PO Box 27794
Las Vegas, Nevada 89126 -
Stefanowicz Alexander G
(702) 254-03218084 W Sahara Avenue Suite A
Las Vegas, Nevada 89117-1977 -
Strodl, John E - State Farm Insurance Agent
(702) 456-67913650 E Flamingo Road Suite 4
Las Vegas, Nevada 89121-4907 -
Summerlin Life & Health Insurance Co
(702) 304-550010300 W Charleston Blvd Ste 13
Las Vegas, Nevada 89135-1038 -
Syphus, Phillip Lee - State Farm Insurance Agent
(702) 798-12744753 S Maryland Parkway
Las Vegas, Nevada 89119-6315 -
Tegano Insurance Agency
(702) 228-61008290 W Sahara Ave
Las Vegas, Nevada 89117-8931 -
Trubac, Daniel L - State Farm Insurance Agent
(702) 645-08991000 S Rampart Blvd Suite 14
Las Vegas, Nevada 89145-8533 -
US Technical Services
(702) 317-77873790 Paradise Rd
Las Vegas, Nevada 89109-5930 -
Vitiello Jr, Francesco - State Farm Insurance Agent
(702) 648-66421433 N Jones Blvd
Las Vegas, Nevada 89108-1610 -
Walker, Luria L - State Farm Insurance Agent
(702) 645-33003124 N Rainbow
Las Vegas, Nevada 89108-4576 -
Walser, Jeremy H - State Farm Insurance Agent
(702) 367-19911725 S Rainbow Blvd Ste 11
Las Vegas, Nevada 89146-8672 -
Watson, Curtis L - State Farm Insurance Agent
(702) 656-27734878 Lone Mountain Road
Las Vegas, Nevada 89130-2239 -
Webb, Derrick C - State Farm Insurance Agent
(702) 892-99082560 S Maryland Pkwy Ste 6
Las Vegas, Nevada 89109-1672 -
Wilde, Lisa M - State Farm Insurance Agent
(702) 367-49004440 S Durango Dr Unit G
Las Vegas, Nevada 89147-8672 -
Wilkes, Karen E - State Farm Insurance Agent
(702) 870-90047415 S Durango Dr
Las Vegas, Nevada 89113-1125
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Las Vegas Facts
Data source: US Census year 2000
Population
Population in Las Vegas is 569,753.
68% of Las Vegas residents are White, 11% are of some other race, 11% are African-American, 6% are Asian, 3% are a mix of two or more races, 1% are Native American, and 1% are Pacific Islander.
Economy
The median income in Las Vegas is $32,713 for men, and $26,141 for women.
Compared to the typical person in the state of Nevada, a resident of Las Vegas makes 0.1% less. The trend for Nevada is that the median income is increasing. (2006)
35,059 people (6% of the population) were living on an income below the poverty level as of 2006. The poverty in Las Vegas was increasing compared to the year before.
The typical home is worth $309,800. 19% of Las Vegas homeowners own their home outright, paying typically $413 per month in owner costs. Among those with a mortgage (81% of homeowners), the median monthly owner cost is $1,647. (2006)
Housing
There are a total of 235,232 homes in Las Vegas. Of these, 5,165 were for sale, and 9,899 homes were available to rent in 2006. 129,043 (62%) were owner-occupied, and 79,829 (38%) were occupied by renters. (2006)
Age
The median age for men in Las Vegas is 34, and in Nevada the average man lives to be 73. The median age for women in Las Vegas is 35, and women in Nevada live to be 79, on average. (2006)
Education
The education level in Las Vegas is low compared to the national average.
Among men over 25, 28% has a college degree, and 22% has some college. Out of the men that didn't study in college, 60% graduated from High School, and 40% dropped out.
Among women over 25, 27% has a college degree, and 23% has some college. Out of the women that didn't study in college, 64% graduated from High School, and 36% dropped out. (2006)
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