Question: Some of the doctors listed on Healthnet site say they are only on the ON - exchange Bronze PPO plan, but not on the OFF exchange Bronze PPO plan which is more expensive and the same coverage. Can Healthnet have a distinction of doctors covered if you buy the same exact plan just off the exchange?
Answer: No. Health Net’s provider network for any given plan is the same on-exchange and off-exchange. That’s true of all carriers that are part of the exchange. The provider network issue is like quicksand right now. There’s no solid ground on which to make a decision because carriers are still inn negotiation with medical providers to fill out their networks and like most negotiations, they come down to the wire - Dec 31st. The networks that the carriers are presenting to the public are confusing too. You could be looking at Health Net’s current provider directory and comparing it to their 2014 directory. You can’t get reliable information from your doctor either. For example, you doctor says they are in the on-exchange network, but not the off-exchange network. Do they even know what on-exchange and off-exchange means. They could be comparing their small group network with their individual network. It may be February or March before the providers networks are resolved to the point that a consumer can make an accurate comparison between provider networks among carriers in the individual marketplace. Until then it’s a crapshoot.