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. 
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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! 

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. 

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. 

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

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). 
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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. 

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!

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.
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Check out this video and meet Flo for yourself.
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meetflo.com/SNWA/?fbclid=IwAR2pxYbHhl69RxpoLBGEttQfkZ5bXiIF8VWVxq1xa3qNV-i3ghJcHhVoP4I