On-Exchange and Off-Exchange Health Insurance Plans

Nevada Insurance Enrollment Explains The Difference Between On-Exchange and Off-Exchange Health Insurance Plans

LAS VEGAS - nvtip -- While both on-exchange and off-exchange health insurance plans can provide great coverage, there are some key differences between the two.

On-exchange health insurance plans are purchased through government-created marketplaces online. Off-exchange health insurance plans, on the other hand, are purchased from a health insurance company. They can be purchased directly from the company or they can be purchased through an agency like Nevada Insurance Enrollment. Having a broker is a huge benefit! At no additional cost to you, an insurance agent can provide you with the information about all the different health insurance companies and their plans as well assist you with policy questions year round.

3 Reasons to Consider Purchasing an Off-Exchange Plan

More Choices for Health Insurance

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On-exchange health insurance are usually HMO plans which limit the freedom to see any provider you are wanting to see. They can only be purchased during "open enrollment" or anytime with a provable "life event" such as, permanent move to NV, loss of coverage from employer, birth of baby, marriage, etc. By purchasing an off-exchange plan through Nevada Insurance Enrollment, you may have greater access to more plans like EPO's and PPO's which allow you to see providers without referrals. However, you cannot have the Government subsidy when buying off-exchange.

Larger Provider Networks
Buying an off-exchange PPO plan gives you the option of selecting a plan that will cover your current doctor, in or out of the network. Most on-exchange plans generally have smaller provider networks, requiring that you pick a primary doctor that is in their network.

With so many options available, finding great health insurance coverage can be a challenge. At Nevada Insurance Enrollment, our health insurance agents are here to help you make sense of your options to find coverage that will fit your needs and budget. Our agents are available for in-person visits, licensed, experienced and want to help you get the best plan at the lowest price you are entitled to whether it is an on-exchange or off-exchange plan.

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Read the full article: https://www.nevadainsuranceenrollment.com/health-insurance-nevada-on-exchange-off-exchange/

Learn more: https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032

(702) 898-0554
Website: NevadaInsuranceEnrollment.com

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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