Blue Sky Insurance Group
  • Home
  • Products
    • Personal Lines >
      • Home & Auto Insurance
      • Umbrella Insurance
      • RV Insurance
      • Motorcycle/ATV Insurance
      • Life Insurance
      • Final Expense Insurance
      • Mortgage Protection
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Prescription Drug Plans
    • Commercial Insurance >
      • Business Insurance
      • Cyber Liability
      • Workers Compensation
  • Client Support
    • Policy Changes
    • Update Contact Info
    • Proof of Insurance
    • Contact My Carrier
  • Claims
  • Blog
  • About Us
    • Staff Directory
    • Privacy Policy
    • Refer a Friend
    • Affiliated Insurance Carriers
    • Accessibility Statement
    • Newsletter Signup
  • Contact

Traveling Abroad This Summer?

5/21/2019

0 Comments

 
Picture
Picture
It's almost time for summer and whether you're planning a family vacation to Australia or your teenager is spending the summer in Paris with a host family, or you're preparing to do some mission work in Malaysia, you want to be prepared. 

We offer a Travel Health Plan that's not only affordable but it's modern and offers broad coverage over seas. 

Travel medical insurance policies are designed to pick up where your primary domestic health plan leaves off, and fill in these gaps. The most comprehensive plans will include coverage for big-ticket items such as hospitalizations, surgeries and medically necessary evacuations as well as more basic services like physician office visits, ambulance services, prescription medication and more. The premier plans will also include benefits for injury or sickness due to terrorist events and treatment related to preexisting conditions. The seamless billing between the healthcare provider and insurer that these policies offer affords incredible peace of mind to travelers who have historically had to absorb high medical costs and then claim the expenses for reimbursement.

There's an app for that!
Use your mobile device to quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.
With a few simple taps, get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists-where you are, when you need it. Review qualifications, make an appointment, and get directions, right from the App or a mobile device.
Plus, proof of coverage is always at your fingertips, ready to show and share with providers. 

You can use this link to check out the various Travel Medical & International Health Insurance Plans. 
https://www.geobluetravelinsurance.com/product_overview.cfm?link_id=159148&header=y&footer=y&personalized=y



0 Comments

Is a Home Warranty Worth the Money?

4/25/2019

2 Comments

 
Picture

As you may know, normal wear and tear to your appliances is not covered by your homeowners policy (and that includes hot water heaters). So how do you protect yourself from costly repairs? 
​
Well, one way is to purchase a home warranty. The monthly cost can vary anywhere from $25 to $100 depending on the plan you build.

A Home Warranty is a service contract that covers the repair or replacement of important home system components and appliances that break down due to normal wear and tear over time. 

If you have a Home Warranty, you do not pay for the actual repair or replacement cost for items covered by the Home Warranty. The contract will cover repair or replacements of covered items, regardless of age, make or model.

You can cover a variety of appliances and systems in your home like your refrigerator, air conditioner, clothes washer and dryer, water heater and many more. 

But is it worth it?

In our previous home we had a home warranty and there were times that it came in handy and times when it wasn't so handy. For instance, our garbage disposal wasn't working properly so we put in a service call with our warranty company, and a technician came out the next day and found that all of the eggshells I had been putting down the disposal caused a clog about 30 feet deep.
That day I learned NOT to put eggshells down the disposal and that I was so grateful that I only had to pay $100 to correct this otherwise, costly mistake. 

On the other hand, we starting having issues with our 8 year old garage door. We opened a service call with our home warranty and a technician came out to advise us that the issue was with a particular motor that was excluded by our home warranty. In that situation we paid $100 for the service call and then on top of it $400+ to replace the motor. Originally we grumbled that it wasn't covered and still had to pay for the service call but it's in the contract details so we didn't have much room for complaining.

But that's a question you want to ask when purchasing a home warranty - what's excluded? Here are a few other helpful questions to ask:

- Are there limits for each coverage? Are there certain parts of covered appliances that are excluded? 
- What are the deductibles?
​- What kind of service calls are covered? Is there a limit on how many service calls? 
- Do you have to use their network of contractors and service people, or can you choose your own? 

Some homeowner policies offer equipment breakdown coverage. It's typically very inexpensive and covers mechanical breakdown  (not normal wear and tear) to your appliances. So if your service contact has ended on your one year old GE stove, it may not be a bad idea to add the endorsement.

​That sounds like a whole other blog post... til then... have a great Monday and let us know if you'd like to learn more about protecting your appliances.


2 Comments

YOUR WINDSHIELD CAN SAVE YOUR LIFE.  TAKE CARE OF IT PROPERLY.

4/15/2019

0 Comments

 
It happens frequently. You're driving behind a large truck and it spits out a stone right at your windshield. Ding. That little ding turns into a chip in your windshield. You think, "it's tiny, not worth fixing." A week goes by and now that tiny chip is a spider web that looks like it was created by Charlotte herself. Now what? 
I
f a chip or crack in your windshield is smaller than a dollar bill, your insurance company will typically send out a repair company to your home or office to fix the  damage if you open a claim. 
Picture
​If the chip or crack is larger than a dollar bill, the windshield will need to be replaced as it is important to maintain the integrity of the windshield to keep you and your passengers safe. Your windshield is the single most important safety feature of your vehicle, keeping objects out and you in.  


0 Comments

My Generation Senior-Focus Clinics

4/2/2019

0 Comments

 
It's no secret that Las Vegas is suffering from a doctor shortage. Nevada's physician workforce has remained relatively flat compared to our growing population. Even if Nevada's population didn't grow, it would take over 2,500 physicians to bring us up to the national average of doctors to residents ratio. 
One of the reasons for our shortage is the lack of residency programs here in the valley.  Another reason is that the compensation rates aren't competitive with other states.  
You may be among those that find it takes weeks, sometimes months to see your primary care doctor. It's unfortunate but one doctor network is trying to be a part of the solution. 
​
Picture
Healthcare Partners has spent the last year opening over 20 myGeneration clinics across Las Vegas, Pahrump and Mesquite. MyGeneration clinics are primary care clinics that provide care focused on seniors and their unique health needs. Physicians and care teams within the clinics have been specifically trained to understand and care for people 65 and older on Medicare. 
By removing the senior population from the general Healthcare Partner offices and caring for them at offices specifically designed to provide seniors the care they deserve, they are able to provide a higher level of care to ALL patients. 
Check out the impressive features of these new offices! 
Picture
If you're turning 65 this year, or know someone who is, we'd be honored to help  explore your options. We offer the Medicare Advantage plans needed to see these providers and would be happy to make a recommendation based on your specific needs. 
If you have a United Healthcare Advantage Plan TODAY, you may be able to change your doctor selection if you're not happy with your current provider. Give our office a call today to find out. For a list of myGeneration offices and locations, please see the file below. 

Blue Sky Insurance has partnered with United Healthcare, Humana and Aetna to provide Medicare recipients options when it comes to your healthcare. 
mygeneration.pdf
File Size: 1680 kb
File Type: pdf
Download File

0 Comments

Kinetico Quality Water Systems- Yay or Nay?

3/26/2019

0 Comments

 
Picture
In our previous home we never installed a water softener system. Many of you reading this may be in the same boat.  Your skin feels dry, your clothing requires lots of fabric softener, you scrub and scrub the sink and tub yet, those stubborn hard water stains do not disappear.  
When we moved into our new home, we decided to look into soft water systems. We met with many different companies but the benefits of the Kinetico system stood out. Here are a few that impressed us:
  • Skin and hair are softer and more hydrated- showers feel luxurious!
  • Clothing is cleaner and brighter
  • Dishes are spot free
  • You don't need to use as much soap or shampoo to work up a good lather
  • No soap scum or hard water deposits on fixtures and sinks
  • Appliances last 30% longer and work more efficiently
  • Save on energy costs- Kinetico does not run on electricity!
  • ONE step maintenance rather than 12 with other systems

​We met with Sandy Gould, Water Specialist with Kinetico, who came into our home, tested our water and showed us the mineral deposits that we ingest daily. It was eye opening folks! If those deposits are forming on our appliances and inside our water heater, imagine what they're doing to the insides our body. Those hard water deposits settle at the bottom of your water heater then can eat it from the inside out, causing a leak and water damage inside your home costing you thousands in claims. 
Kinetico's Water System prevents that from happening and improves your water experience throughout the whole house. For those reasons, we give Kinetco Water Systems a big YAY and encourage you schedule a free consultation with Sandy. Her knowledge was impressive and she didn't pressure us to make a decision at all. In fact, she let us try out the system for 3 months with no obligation.  
Just be prepared to fall in love with your water. 

0 Comments

DispatchHealth- Say Goodbye to Waiting Rooms

3/20/2019

0 Comments

 
Picture
Technology has changed the way we live. No question.  
Are you hungry? You can order and pay for food from your smart phone and have it delivered anywhere.  Need a ride? Open your Uber App and you have a personal chauffeur at your door in minutes. 
And now if you're not feeling well, urgent care can come to you. 
Simply download the DispatchHealth app or give them a ring to review your symptoms so they can send the right team to your home. No more waiting at the ER or urgent care center infested in viruses! Hooray!
DispatchHealth is a great solution to Las Vegas's waiting game issue when it comes to quality care. They can treat anything that an urgent care center can and more. From blood tests to stitches, from dehydration to strep throat, they are there to help. The amount of testing and procedures that they can perform on site truly make me wonder why I'd ever leave my home? 
It gets better. They work with most insurance carriers, billing them, just as an urgent care center would. What does it cost? On average, most patients pay $25-$50 after insurance. Don't have insurance? No problem, they accept a flat rate of $275 at the time of treatment.  That certainly beats an ER charge!
Who are the providers that come to your home? 
DispatchHealth’s providers are board-certified physicians, physician assistants and nurse practitioners with significant experience evaluating acute injuries and illness in the emergency department environment. In fact, their providers are the same providers that you may see in your local emergency room. A nurse practitioner or physician assistant and an EMT will provide your hands-on care.
DispatchHealth’s providers are board-certified physicians, physician assistants and nurse practitioners with significant experience evaluating acute injuries and illness in the emergency department environment. In fact, our providers are the same providers that you may see in your local emergency room. A nurse practitioner or physician assistant and an EMT will provide your hands-on care.
Learn more about DispatchHealth here:  www.dispatchhealth.com


0 Comments

Are state minimum limits enough when it comes to your auto insurance?

3/13/2019

0 Comments

 
Picture
Most states mandate that you carry automobile insurance and that you carry a minimum amount of liability insurance. In Nevada, that amount is now 25/50/25. What does that mean? Let's break it down. 
  • $25,000 for injuries to one person in an accident
  • $50,000 for all injuries in an accident
  • $25,000 for property damage in one accident
Keep in mind, this doesn't apply to YOUR vehicle (that's what comprehensive, collision and medical payments coverage is for). 
​
Let's say you cause an accident with another vehicle that has a passenger as well as the driver and they're both injured. The drivers injuries total $60,000. The passengers injuries total 10,000.  If you have the fore-mentioned liability limits, the driver would only receive $25,000 to pay for his injuries and the passenger, just the $10,000.

So how does the driver recoup the remaining $35,000?  The other party could come after you personally. You might have to take out loans or extra mortgages, have your wages garnished, all of which could put you in debt. You might have to sell off your assets—or a collector could take your assets from you forcibly. The DMV might even suspend your license until you’re able to pay. 
All of this could have been avoided if you had chosen the higher liability limits that your insurance agent recommends.  Minimum limits are not recommended and I hope that this illustration helps you understand why. 



0 Comments

Welcome Back Steve Miller!

3/8/2019

0 Comments

 
As many of you may know, Blue Sky is owned by husband-wife team, Steve & Amy Miller.  We opened the agency in 2017 but in 2018 Steve took a brief hiatus to take a role as the Medicare Manager for United Healthcare for the State of Nevada. It was a great experience for Steve, working directly for the largest health insurer in the world. 
He gained valuable knowledge and insight that will serve our family owned agency for years to come. 

At the end of the day, Steve prefers to run his own business and work directly with individual policy holders... and we are grateful for that! 

Welcome back Steve! We missed you!
Picture
0 Comments

Avoid water claims with one device.

3/8/2019

0 Comments

 
Picture
Water claims are costly and a huge inconvenience for homeowners. However, now you have the power to prevent them.
Flo by Moen is water detection device that runs daily tests to ensure your home plumbing network is running efficiently. It continuously checks for leaks and potential vulnerabilities in your pipes. Flo will automatically shut off water to your home in the event of catastrophic failure.
Flo is managed by an App on your smart phone that sends alerts to your phone in real-time if a leak is detected anywhere in your home. The app allows users to set water consumption goals, monitor daily usage, and turn water on and off remotely.
And now, Southern Nevada Water Authority is offering up to $300 in rebates with the installation of the device in your home.  Most insurance carriers will also offer discounts if you have a water detection device installed as well. It's a win-win.
​
Check out this video and meet Flo for yourself.
​
meetflo.com/SNWA/?fbclid=IwAR2pxYbHhl69RxpoLBGEttQfkZ5bXiIF8VWVxq1xa3qNV-i3ghJcHhVoP4I


0 Comments
Forward>>

    Contact Us

    (702) 410-8020​
    7485 West Azure Drive
    Suite 122
    Las Vegas, NV 89130​
    Click Here to Email Us

    Archives

    May 2021
    September 2020
    June 2020
    January 2020
    September 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019

    Categories

    All

    RSS Feed

Navigation

Homepage
Insurance Products
Client Support
Contact Us 
Privacy Policy
​Agent Login

Connect With Us

Facebook

Share This Page

Contact Us

Blue Sky Insurance Group​
7485 West Azure Drive
Suite 122
Las Vegas, NV 89130
(702) 410-8020​
Click Here to Email Us

Location

Website by InsuranceSplash
Hours of Operation
Monday - Thursday 9am-5pm
Friday 9am-4pm
  • Home
  • Products
    • Personal Lines >
      • Home & Auto Insurance
      • Umbrella Insurance
      • RV Insurance
      • Motorcycle/ATV Insurance
      • Life Insurance
      • Final Expense Insurance
      • Mortgage Protection
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Prescription Drug Plans
    • Commercial Insurance >
      • Business Insurance
      • Cyber Liability
      • Workers Compensation
  • Client Support
    • Policy Changes
    • Update Contact Info
    • Proof of Insurance
    • Contact My Carrier
  • Claims
  • Blog
  • About Us
    • Staff Directory
    • Privacy Policy
    • Refer a Friend
    • Affiliated Insurance Carriers
    • Accessibility Statement
    • Newsletter Signup
  • Contact