Individual and Family Health Insurance
with NO Government Subsidy
“Off Exchange”
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Individual and Family Health Insurance
with NO Government Subsidy
“Off Exchange”
Call or Click to Get a Quote
(702) 898-0554
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You make too much money to qualify for a subsidy
or
You do not want a subsidy
Health Insurance
"OFF" Exchange - With NO Subsidy
Call Us! (702) 898-0554
We Are Insurance Experts, Let Us Guide You
We will work hard to fit you into the smartest, most affordable plan that meets your needs. Our friendly, knowledgeable and licensed health insurance agents make it easy to enroll and are available day after day, all year long, year after year. They will take you step-by-step through the available options and find the plan that’s best suited for you. We have been helping people find the right health insurance coverage and get the most for their money for years.
Get Sound Advice From a Local Health Insurance Agent That Knows Nevada’s Plans
Call us. Our services are FREE to you, we are local, we are licensed with the State of Nevada, we study Nevada’s health insurance plan benefits, the network of doctors and hospitals, and the insurance plan formularies (drug lists on the insurance plan). You will NOT pay more for your insurance by getting help from our Agents and your premium will NOT go up!
Enrolling into a Health Insurance Plan WITHOUT a Government “Subsidy”
Each year, you can only buy Health Insurance during “Open Enrollment” which is November 1st through January 15th
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Three Ways to Enroll
1). Apply by Phone
(Fast and Easy)
(702) 898-0554
2). Apply in Person
(by appointment only)
In person appointments (by appointment only)
3). Enroll Online
an agent will call you
Call For FREE Help
(702) 898-0554
Why No Subsidy?
If you do not want a subsidy, or make too much money to qualify for a subsidy, you can shop for health insurance “Off Exchange“ (in the private market). In Nevada we have HMO, EPO and PPO health insurance plan options available to enroll into. When you buy a health insurance plan in the private market, you don’t need to disclose your income or worry about updating your account throughout the year. You set it and forget it. In addition, the prices “OFF Exchange” are often less expensive than “ON Exchange”.
These plans are “Qualified Health Plans“ that contain the “10 Essential Health Benefits“ that cover pre-existing conditions, no matter what the condition is.
A “Qualified Health Plan” covers these benefits:
1) Emergency Room
2) Hospitals
3) Pregnancy/Maternity/Newborn
4) Mental Health
5) Rx (Prescriptions)
6) Rehab/habilitative Services
7) Laboratory
8) Preventative Services
9) Outpatient Care
10) Pediatric Services
Qualified Health Plans
“Qualified Health Plans“ are certified by Nevada Health Link verifying they provide the 10 essential health benefits. These plans follow required limits on how much you the member has to pay, and how much the insurance company pays. These health insurance plans meet rigorous requirements, including covering pre-existing conditions, with no maximum lifetime or annual limits.
QHP’s (Qualified Health Plans):
Will Cover Your Medical Costs With NO Maximum Lifetime and Annual Limits
PLATINUM | GOLD | SILVER | BRONZE
♦ Platinum covers 90% of your medical bills, up until the “out of pocket maximum”.
♦ Gold covers 80% of your medical bills, up until the “out of pocket maximum”.
♦ Silver covers 70% of your medical bills, up until the “out of pocket maximum”.
♦ Bronze covers 60% of your medical bills, up until the “out of pocket maximum”.
OPEN ENROLLMENT IS SO IMPORTANT NOW!
Please think twice about going without Health Insurance this year. If you miss Open Enrollment, you will be missing your only opportunity to get an ACA Qualified Health Plan that covers pre-existing conditions, mental health, wellness/preventative, Rx, and all the other ACA benefits you find in a “Qualified Health Plan”. Unless you have PROOF of a Qualifying Life Event ie. Marriage, Divorce, Relocation, Birth, etc., or someone in your family gets a job that has benefits through an employer, etc.
Health Insurance Enrollment is only available during “Open Enrollment“ each year, unless you have a “Qualifying Life Event“. Enrolling into a health plan is fast and easy when you call one of our licensed and experienced health insurance agents.
Buying Health Insurance “Off Exchange“ simply means NOT enrolling on the Governments website. Currently in Nevada, purchasing health insurance “Off Exchange” allows you to have more insurance plan choices from a larger group of Health Insurance companies. In Nevada, we currently have Sierra Health and Life, Hometown Health, HPN (Health Plan of Nevada), Ambetter, Friday Health Plans, Aetna, and Select Health.
PPO Health Insurance
The only PPO plan available (currently) “Off Exchange” is Hometown Health if you reside in Washoe, Lyon, Carson City, Douglas and Story counties.
What If I Want To Travel and Need a PPO?
We have solutions for you. Please call our office and we’ll explain. Nevada unfortunately does not have PPO options unless you have health insurance through your employer, or live in Northern Nevada (which has one insurance company that has PPO plans). Otherwise, call and we can discuss your needs. We do have health insurance plans that are EPO’s, AND we have HMO’s that will allow you to travel. Call for details.
You’ll have coverage all year long, provided you make your payments on time each month. “Open Enrollment“ is OPEN. What this means is that you can make changes to your health insurance plan, health insurance company, change from Gold to Silver or Silver to Bronze, or any change you wish. If you missed last year’s open enrollment, or you want off of Cobra coverage, and want to make a change, open enrollment is your one and possibly ONLY chance!
“OFF Exchange”
Enrolling into a Health Insurance Plan WITHOUT a Government “Subsidy”
Each year, you can only buy Health Insurance during “Open Enrollment” which is November 1st through January 15th, unless you have a “Life Event” ie. Marriage, Divorce, Relocation, Birth, etc.
Available Carriers for 2023
“OFF” Exchange
In Nevada, there are 7 available insurance carriers “OFF” Exchange
HMO
Nye, Washoe, Clark
EPO
Clark County only
HMO
All Nevada Counties
HMO, PPO, EPO
Carson City, Lyon, Washoe, Douglas, Storey
EPO
All Nevada Counties
HMO
Nye and Clark
HMO
Nye, Washoe, Clark
What is a HMO?: A HMO is a Health Maintenance Organization which is a type of health insurance plan that has a group of local doctors and hospitals for you to choose from. You must choose a “Primary Care Doctor” (General practice, Internal Medicine, Family Practice, OB/GYN, Pediatrician) as your primary doctor to visit, and you must see your primary and get referrals to see specialists from your primary doctor to have any tests or procedures done. A HMO usually has lower monthly premiums than a PPO. A HMO may be right for you if you’re comfortable choosing a primary doctor, also called a PCP, to coordinate all of your health care.
What is a PPO?: A PPO, is a Preferred Provider Organization. It’s a type of health plan that offers a larger network (generally speaking), so you have access to more doctors and hospitals. Your out-of-pocket costs can be higher with a PPO than with an HMO or EPO plan. You will have network doctors and hospitals (depending on the network) which are contracted with the insurance company to accept lower payments. Or, you may see providers that are out of the network, but you’ll pay more for out of network providers. You can see providers in and out of a network if you choose.
What is an EPO?: An EPO, is an Exclusive Provider Organization, which is a type of health plan that offers a local network of doctors and hospitals for you to choose from. An EPO can be described as somewhat of combination of a PPO and HMO. You don’t have to select a primary care doctor, and you may see any of the providers in the EPO network, but there are no out of network benefits. If you choose to get care outside of your plan’s network, you will pay full price, there is no coverage, unless it’s an emergency. If you’re looking for lower monthly premiums, and are okay with using local doctors and hospitals, but don’t want to have to get referrals for specialists, you may want to consider an EPO plan.
Three Ways to Enroll
1). Apply by Phone
(Fast and Easy)
(702) 898-0554
2). Apply in Person
(by appointment only)
In person appointments (by appointment only)
3). Enroll Online
an agent will call you
Please Be Careful...
So many times, we see honest, hard working people buying what they think are Qualified Health Insurance Plans, but only to find out later that their plan isn’t what they thought it was. Then, when they find themselves in the hospital, they suffer the consequences of not understanding what they purchased and being severely underinsured. Once you’ve terminated your qualified health insurance plan, if you don’t have a life event, you won’t be able to simply sign up for a new plan after having a bad experience. You will have to wait for the next “Open Enrollment” which is November 1st through January 15th unless you have a Qualifying Life Event.
If your plan is a limited benefit medical plan, mini-medical plan, discount plan, indemnity plan, short-term plan, or looks and appears to be “insurance”, but does not cover the 10 “Essential Healthcare Benefits” then you are most likely buying a plan that is NOT considered to be a “Qualified Health Plan”. We STRONGLY recommend you do your research on these types of plans. Do a Google search or look at Yelp reviews of companies that sell these plans.
Have You Been Robo-Called To The Point of Exhaustion?
Telemarketers, Spam emails, Texts, Internet Ads and More
We hear about people terminating their “Qualified Health Insurance“ and purchasing health plans from internet ads or tele-marketers thinking that they are saving lots of money. But nothing could be further from the truth. Everyone likes to pay less, but shopping for a plan that simply costs less may cause you more trouble than you think.
This includes plans advertised EVERYWHERE on the internet, including social media sites.
So many times, we see honest, hard working people buying what they think are Qualified Health Insurance Plans, but only to find out later that their plan isn’t what they thought it was. Then, when they find themselves in the hospital, they suffer the consequences of not understanding what they purchased and being severely underinsured. Once you’ve terminated your qualified health insurance plan, if you don’t have a life event, you won’t be able to simply sign up for a new plan after having a bad experience. You will have to wait for the next “Open Enrollment” which is November 1st through January 15th unless you have a Qualifying Life Event.
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Authorized Agent for: Nevada Health Link, Anthem Blue Cross & Blue Shield, Sierra Health & Life, Health Plan of Nevada, Friday Health Plans, Select Health, Hometown Health, Ambetter
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