Our mission at Las Vegas Valley Insurance is to help our clients obtain the best possible coverage for the money. We do this through education, technology, a broad range of insurance carriers, and becoming an advocate for our clients.
We spend a tremendous amount of time keeping current with the laws, products, and changes in the industry. We strive to keep you up to date on any issues that might affect you.
Las Vegas Valley Insurance is owned by Bob Hoffman, who has been a licensed broker for over 20 years.
Frequently Asked Questions
What is health insurance?
Health insurance is a contract with an insurance company, which agrees to pay some or all of your medical bills based on your “coverage,” or the terms of your policy. In exchange, the insurer is paid a set amount of money — a “premium” — on a regular basis. Most Americans have private health insurance, either through their employer’s group plan or through buying their own individual policy. Others are covered under public “safety net” programs such as Medicare and Medicaid.
Why do I need health insurance?
It’s no secret that health care is expensive today. The government says the cost to treat a broken leg can run $7,500 and an average three-day hospital stay can set you back $30,000. Without insurance, many Americans would be one health setback away from financial ruin. Regularly paying a set premium for health coverage assures that money will be available to defray the cost of everything from routine checkups to catastrophic medical bills.
What's the difference between a deductible, a copayment and coinsurance?
All three are medical charges you must pay out of your own pocket, even if you have insurance. Your deductible is the initial amount you must pay each year for covered health services before your insurer will start to chip in. Plans may have separate individual and family deductibles and/or deductibles for separate services such as hospitalization. A copayment is a fixed amount you pay toward each medical service, such as $25 for a checkup. Coinsurance is a fixed percentage, rather than a flat amount, that you pay toward each service.
Proudly Serving the Las Vegas Valley & Henderson, NV for Over 25 Years!
Clients Come First
We are focused on getting our clients the best possible coverage for the least amount of money
We are Brokers
Unlike captive agents, we shop for the best policy and rates instead of selling you one company’s products.
25 Years of Experience
Over 25 years of experience helping people just like you protect what they have worked so hard to build.
Here’s what just some of our clients have said
Bob Hoffman is a terrific leader, and individual contributor. He is very bright, capable and consistently achieves powerful results in the face of strong headwinds. I would highly recommend Bob to any organization.
Barry Brundage, SVP, Managing Director, US Bank
My firm has been greatly helped by the excellent work from Bob Hoffman, you won’t be disappointed.
Evelyn Bruns— President, Inet Ads – Las Vegas, NV
For health insurance I can’t recommend Las Vegas Valley Insurance enough! I’ve been delighted by the coverage of my new policy.
Jack Maguire — Henderson, NV
Bob Hoffman has done an amazing job negotiating a new group health & life insurance plan for our company! Thanks Bob for professionalism and exemplary service.
Louise Smith — Las Vegas, NV
For expert insurance advice you can trust Bob Hoffman
Request a Call Back
Would you like to speak with an insurance specialist over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.
For Businesses: Do you have questions about how Las Vegas Valley Insurance can help your company? Send us an email and we’ll get in touch shortly, or call (702) 850-3001 between 8am and 6pm Monday to Friday — we would be delighted to speak with you.