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# Health & Life Benefits – Schedule an Appointment
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### Get the Health & Life Insurance Coverage
Protect yourself, your family, or your employees with health & life benefits packages through A and H Insurance. You can use the scheduling calendar below to set up a meeting. You can select the most convenient day & time for you as well as the option to meet in person at our office, your business, through Zoom, or over the phone. We look forward to meeting you!
### Book an Appointment with Health, Life, and Medicare Consultant Glenn Montalbo
#### Get a Quote
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* Business
* Employer / Employee Benefit Plans
* Health
* Life
* Medicare
* Personal (home, auto & home bundles, umbrella, etc.)
* Public Entity
* Workers' Comp
* Surety (Bonds)
* Travel
* Other
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#### COMPANY INFO
A and H Insurance was founded in 1957 in Reno, Nevada. We are an independent insurance agency and offer a wide range of services to businesses, individuals, and municipalities. We primarily serve clients in Arizona, California, and Nevada but are licensed to do business in over 20 states.
#### Reno, NV – HQ
* (775) 829-2600
* 3301 S. Virginia St.
  Reno, NV 89502
#### Apache Junction, AZ
* (480) 982-0273
* 288 N. Ironwood Dr. STE 111
  Apache Junction, AZ 85120
#### ELKO, NV
* (775) 777-0900
* 526 Idaho Street
  Elko, NV 89801
#### MINDEN, NV
* (775) 267-9947
* 1663 Lucerne St. STE C
  Minden, NV 89423
#### Winnemucca, NV
* (775) 623-5555
* 341 Baud St.
  Winnemucca, NV 89445
#### YERINGTON, NV
* (775) 463-3374
* 12 S Main St.
  Yerington, NV 89447
#### FERNLEY, NV
* (775) 575-2600
#### Las Vegas, NV
* (702) 475-1294
#### Mesa, AZ
* (480) 454-3005
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# Get the Best Medicare Coverage
Medicare, the federal health insurance program primarily for individuals aged 65 and older, plays a crucial role in the United States' healthcare system. Its significance extends beyond merely providing medical coverage to the elderly; it represents a vital social safety net, offers economic benefits, and ensures access to essential health services for millions. A and H Insurance is proud to offer a wide range of Medicare coverage options and will help you figure out which plan is best for you.
## Coverage Options
* **Medicare Advantage Plans** — Including D-SNPs (Dual Eligible Special Needs Plans) & C-SNPs (Chronic Condition Special Needs Plans)
* **Medicare Supplement Plans**
* **Stand Alone PDP** (Prescription Drug Plan)
* **Ancillary Dental, Vision, and Hearing Coverage**
### What are Medicare Parts A to D?
Medicare offers a wide range of healthcare services that cover various aspects of medical care. The program is divided into different parts to cater to specific needs:
* **Medicare Part A** — Covers hospital inpatient care, skilled nursing facility care, hospice care, and some home health care.
* **Medicare Part B** — Covers outpatient care, doctor services, preventive services, and medical supplies.
* **Medicare Part C** — Medicare Advantage Plans that offer an alternative to standard Medicare coverage.
* **Medicare Part D** — Provides prescription drug coverage, helping to lower the costs of medications.
**Nanette Chalupa**
*Client Liaison & Medicare Associate*
(775) 284-7878
**Glen Montalbo**
*Medicare Associate*
(775) 284-7807
#### Request a Medicare Quote
Please enable JavaScript in your browser to complete this form.Full Name \*Phone Number \*Email \*Zip Code \*Insurance Type
* Dental/Vision/Hearing Products
* Medicare Advantage Plans (Part C) and Cost Plans
* Medicare Supplement (Medigap) Products
* Supplemental Health Products
* Stand-alone Medicare Prescription Drug Plans (Part D)
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# FAQs
### Affordable Care Act FAQ's
Since the passage of the Affordable Care Act, individuals have had many questions and concerns about how this law affects them, their families and their businesses. Below are some of the common questions that are asked:
### Check Our General Questions
If my family doesn’t have coverage, do we still have to pay a fine?
As of 2019, the tax penalty for being uninsured was repealed. You are now able to purchase insurance that does not meet minimum essential coverage as defined in the original ACA, without incurring a fine.
Would I qualify for a subsidy through Nevada Health Link if I refuse my employer’s plan?
Not if your group insurance plan meets the minimum essential requirements of the law, and if you are an eligible employee, you cannot qualify for a subsidy. Furthermore, since the coverage is considered affordable for you, it is also considered affordable for your family. Therefore, your family members would not qualify for a subsidy.
Who qualifies for a subsidy?
If you do not have affordable coverage through your employer, or if you fall between 138% and 400% of the Federal Poverty Level (depending on size of household), you can qualify for a subsidy.
What is considered affordable coverage?
If the premium that you pay is less than 9.699% of your income for the employee only, then the plan is considered affordable.
How many hours do I have to work in order to be considered an eligible employee?
You have to work 30 hours or more per week in order to be considered full time and eligible for benefits.
What if I am not eligible for benefits?
You can enroll in a plan through Nevada Health Link (the Exchange), and potentially qualify for a subsidy, depending on your family size and taxable household income. Or you can obtain coverage through a private insurance carrier. We are always available to help you with any questions or concerns that you may have. You can reach our benefits department at A and H Insurance at 775-829-2600 or 1-888-791-8579. You can also go onto Nevada Health Link’s website at 
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