​Amidst the dazzling lights and desert allure of Las Vegas, a curious phenomenon unfolds—the rise in auto insurance rates. It's a tale woven into the fabric of this vibrant city, where each twist and turn reveals a story of its own.
 
1. The Pulsating Heartbeat of the Strip: The city is filled with sparkling boulevards that are bursting with life. Neon-lit lanes are traveled by locals and tourists, resulting in a dazzling and distracting swirl of headlights and taillights. Because of the increased danger, insurers have raised prices to account for the onslaught of claims due to distraction.
2. Transient Tumult: Las Vegas is a city of transients. Many visitors get into accidents because they are unfamiliar with the city's confusing roads. Due to the ongoing ebb and flow of visitors, this flood of accidents adds a layer of complication that causes insurers to raise rates.
3. Desert Dreams and Harsh Realities: The desert climate is another player in this Las Vegas drama. Summer heat and erratic weather patterns, including flash floods, make driving conditions difficult. The infrequent rain creates slippery conditions as oil and other residues build up over long periods of time. When the rain does come, the roads can be a dangerous place resulting in severe claims.
4. The Phantom Menace of Uninsured Motorists: Because Las Vegas auto insurance rates are high, there are unfortunately many drivers on the road that are driving without insurance. Some estimate that as many as 20% of drivers in Las Vegas are driving around without insurance at any given time. When an accident occurs with an uninsured motorist, the affected driver needs to file a claim through their policy for bodily injury and/or property damage. In order to prepare for the unexpected, insurers charge high premiums for uninsured motorist coverage because they may be compelled to pay for claims that would normally be covered by another insurer.
5. The Underworld of Auto Crime: An underworld of car crime thrives in the dark areas of this lively city. There is a great deal of vehicle theft and vandalism. These risks contribute to the increase in premiums for protection from theft and vandalism.
6. The Legal Ballet: The legal landscape in Nevada is dynamic, and rules and regulations influence the insurance market. Premium adjustments are a result of changing claim costs due to legal changes and evolving trends in personal injury claims.
 
High auto insurance rates in Las Vegas result from a series of interrelated factors in this sparkling metropolis of style and flare. It can be complicated, but we at Blue Sky always try to do our best to help our clients navigate the consistent changes and the complexity of the local insurance marketplace. Feel free to leave us a comment or to give us a call with any of your questions or concerns at 702-410-8020!

​Navigating the world of Medicare for dental and vision care in Nevada can seem like a complex maze, but with the right guidance, you can chart a course to ensure your oral and visual health needs are met. Here's a step-by-step guide to help you navigate the Medicare landscape for these essential services.

1. Understand Medicare Basics:
Learn the fundamentals of Nevada Medicare first. The cornerstone is Original Medicare, which comprises of Parts A (hospital insurance) and B (medical insurance). It's important to remember, though, that routine dental and vision care are NOT INCLUDED in Original Medicare. You are going to have to look toward private insurance companies.

2. Explore Medicare Advantage Plans:
Think about signing up for a Medicare Advantage (Part C) plan, which is provided by for-profit insurance providers recognized by Medicare. Dental and eye services are frequently covered under Medicare Advantage plans as additional benefits.

3. Stand-Alone Dental and Vision Plan:
Stand-Alone Dental and Vision insurance plans are another viable option. They can be used to complement a Medicare Advantage Plan or serve as your primary coverage if you are not a Medicare Advantage member. You don’t have to enroll in Medicare Advantage to have Dental and Vison Insurance.

4. Check for Network Providers:
Dental and vision programs frequently have provider networks. To maximize coverage and reduce out-of-pocket expenses, be sure that the Nevada dentists and eye doctors you choose are included in the plan's network.

5. Assess Premiums and Costs:
Know how your chosen plan will affect your finances. Like any insurance dental and vision plans might include deductibles, copayments, coinsurance, and monthly fees or premiums. To measure the overall worth of the plan, compare these expenditures to the coverage offered.

6. Stay Informed About Changes:
It's important to review your coverage every year. If there have been any changes to your coverage, including dental and vision benefits, you should review your plan's Annual Notice of Change (ANOC). Be ready to make changes if necessary. For Medicare Advantage members this will need to be done during the Annual Enrollment Period (10/15 – 12/7).

7. Take Advantage of Preventive Services:
Preventive care is key to avoiding the high costs associated with major procedures. Make use of coverage for regular eye exams, dental cleanings, and oral exams to identify problems early and lower your chance of developing more serious concerns later.

​You don't have to figure out Medicare or dental and vision on your own; it might be a complicated system. For help understanding your options and making decisions, get in touch with Medicare.gov or the Nevada State Health Insurance Assistance Program (SHIP). Nevada residents can even call Blue Sky Insurance at 702-410-8020!