Insurance in Reno
Data source: US Census year 2000
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Uninsured in Washoe County
Reno is the county seat of Washoe County.
One out of ten people in Washoe County (14.2%) lack health insurance. In the state of Nevada, 15.8% are without.
Among the population under 18 years in Washoe County, 11.7% are uninsured, while the figure for Nevada is 13.7%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Reno
Cities are generally less safe to live in than small towns. Violent crime in Reno is 52% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Reno is 57.7% higher than nationally.
There are 1633 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Reno (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 87% of Reno residents drove to work, and 4% used public transport. 4% walked to work, and 1% 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.
Reno, 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 Reno, Nevada
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Advanced Insurance Consulting
(775) 786-3331890 Mill St Ste 101
Reno, Nevada 89502-1436 -
Affordable Health Insurance
(775) 825-3235
Reno, Nevada 89501 -
Bentley Jr, Robert R - State Farm Insurance Agent
(775) 786-0888248 E Liberty Street
Reno, Nevada 89501-2211 -
Brand, Charla J - State Farm Insurance Agent
(775) 825-40406135 Lakeside Drive Suite 119
Reno, Nevada 89511-8505 -
Burgess William E Jr Insurance Agency
(775) 348-5898729 Evans Ave
Reno, Nevada 89512-3304 -
Chang, Donald A - State Farm Insurance Agent
(775) 826-21113705 Lakeside Dr
Reno, Nevada 89509-6545 -
Cheryl Latham Ins Agcy Inc - State Farm Insurance Agent
(775) 327-40009740 S McCarran Blvd
Reno, Nevada 89503-9203 -
Citta, Joseph F - State Farm Insurance Agent
(775) 829-11114914 S Virginia Street
Reno, Nevada 89502-6016 -
Collier John W
(775) 829-12214600 Kietzke Ln # 134
Reno, Nevada 89502-5033 -
Compmed Alliance Group
(775) 825-71761495 Ridgeview Dr
Reno, Nevada 89509-6333 -
Farmers Insurance Group South Virginia Office, Next To Winco Rusty Hinman
(775) 348-48007675 S Virginia St
Reno, Nevada 89511-1140 -
Fox, Rosalie T - State Farm Insurance Agent
(775) 853-65006500 S Virginia Street
Reno, Nevada 89511-1117 -
Hawkins, Michelle H - State Farm Insurance Agent
(775) 322-55111699 S Virginia St Ste 101
Reno, Nevada 89502-2809 -
Health One Insurance Agency
(775) 324-9947, (775) 787-8243
Reno, Nevada 89501 -
Health Plan of Nevada
(775) 829-14816100 Plumas St
Reno, Nevada 89509-6065 -
Health Quest Insurance Inc
(775) 425-6868
Reno, Nevada 89501 -
Hokanson Insurance
(775) 323-8883
Reno, Nevada 89501 -
Hometown Health Plan Customer Services
(775) 982-3232, (775) 982-3112830 Harvard Way
Reno, Nevada 89502-2055 -
Hosselkus, Richard E - State Farm Insurance Agent
(775) 746-22222005 Sierra Highlands Dr #A111
Reno, Nevada 89523-2328 -
Humana Health Care Plan
(775) 852-7722
Reno, Nevada 89501 -
John Cobbey Insurance
(775) 323-20016121 Lakeside Dr Ste 120
Reno, Nevada 89511-8503 -
Jolene R Falcone Ins Agcy Inc - State Farm Insurance Agent
(775) 329-11913590 W Plumb Suite B
Reno, Nevada 89509-3053 -
Jones, Nancy L - State Farm Insurance Agent
(775) 323-2357226 California Avenue
Reno, Nevada 89509-1621 -
Knott, Leslie H
(775) 322-87561960 N Sierra
Reno, Nevada 89503-6701 -
Nevada Benefits Corp
(775) 329-19951 E Liberty St
Reno, Nevada 89501-2110 -
Newmarker, Michael J - State Farm Insurance Agent
(775) 825-5433255 W Moana Lane Ste 106
Reno, Nevada 89509-4942 -
Queen David G
(775) 327-480011331 S Virginia St Suite 5
Reno, Nevada 89511-2979 -
Reid, John E - State Farm Insurance Agent
(775) 827-19654792 Caughlin Parkway Ste 204
Reno, Nevada 89509-0911 -
Senior Dimensions Sales
(775) 829-26296100 Plumas St
Reno, Nevada 89501-6065 -
Sierra Healthcare Options Inc
(775) 829-14816100 Plumas St
Reno, Nevada 89509-6065 -
State Farm Insurance Companies Agents, Latham Cheryl Insurance Agency Inc
(775) 327-40009740 S Mccarran Blvd
Reno, Nevada 89503-9204 -
Superior Health Care Preferred Provider Organizatn
(775) 322-2202Po Box 8093
Reno, Nevada 89507-8093 -
Unicare
(775) 323-20016121 Lakeside Dr
Reno, Nevada 89511-8502 -
Viking Resources Inc
(775) 786-60071055 W Moana Ln
Reno, Nevada 89509-4776 -
Viking Resources Inc
(775) 786-60078140 Willow Ranch Trl
Reno, Nevada 89523-4831 -
Wood Robert Insurance
(775) 359-21001755 Silverada Blvd Suite 4
Reno, Nevada 89512-2738
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.
Reno Facts
Data source: US Census year 2000
Population
Population in Reno is 205,327.
74% of Reno residents are White, 12% are of some other race, 7% are Asian, 3% are a mix of two or more races, 3% are African-American, and 1% are Native American.
Economy
The median income in Reno is $31,483 for men, and $22,025 for women.
Compared to the typical person in the state of Nevada, a resident of Reno makes 12.1% less. The trend for Nevada is that the median income is increasing. (2006)
14,234 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Reno was increasing compared to the year before.
The typical home is worth $350,700. 27% of Reno homeowners own their home outright, paying typically $463 per month in owner costs. Among those with a mortgage (73% of homeowners), the median monthly owner cost is $1,657. (2006)
Housing
There are a total of 93,264 homes in Reno. Of these, 1,807 were for sale, and 2,719 homes were available to rent in 2006. 41,989 (49%) were owner-occupied, and 44,011 (51%) were occupied by renters. (2006)
Age
The median age for men in Reno is 34, and in Nevada the average man lives to be 73. The median age for women in Reno is 36, and women in Nevada live to be 79, on average. (2006)
Education
The education level in Reno is high compared to the national average.
Among men over 25, 38% has a college degree, and 24% 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, 33% has a college degree, and 28% has some college. Out of the women that didn't study in college, 61% graduated from High School, and 39% dropped out. (2006)
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