We provide the guaranteed lowest allowable rates for your Ohio health insurance plan. Whether you are an individual, family, self employed or uninsured, our free service allows you to find the most affordable individual or family health insurance in Ohio. Your quotes are the lowest available rates allowed by each carrier. We'll also discuss and review what impact insurance reform will have on your specific situation. While some changes have already gone into effect (such as 100% coverage on preventive services), there will be more changes between now and 2014. Some of these changes could impact the rate you pay, including a ruling by the Supreme Court this year.
Instant online individual and family health insurance quotes are provided by an Ohio broker with more than 30 years of experience. This free service is provided by a live person…and your name and information is NEVER shared with anyone...unlike many other sites. Inexpensive Ohio health insurance plans are available, and we'll find them for you. We represent all of the major companies, such as Anthem Blue Cross, Aetna, UnitedHealthOne, Medical Mutual, Humana, Celtic and Assurant. We work for you...not the health insurers. And we never have and never will charge anyone any fees.
By using the "Get Instant Quote" at the top of the page, instantly, you'll be able to view, compare or apply for the most affordable high-quality plans offered to consumers. These rates will be the lowest available in the state. You can easily compare different Ohio medical plans and apply online, by email, by fax or by mail. And once the policy is approved, we'll continue to provide our free service. We can assist you with billing, claims or administrative issues. And yes...we even provide dental quotes.
Good Ohio health insurance can be affordable. There are many plans that can fit your budget and we’ll do the research. These plans will help you when you need them most, and contain the coverages you are likely to use. Catastrophic, comprehensive and HSA health plans are all reviewed so we can properly recommend the best policy for you. And as your needs change and you and your family grows older, we'll be here to review your coverage.
Saving money by “buying direct” for many products we purchase is often possible…except with insurance! Many Insurance Quote Services like to advertise that by “buying direct,” you are saving money. Quite simply, this is not true. Any individual or agency in Ohio that offers insurance, must be licensed by the Ohio Department of Insurance (ODI). No broker or Agency can offer you a “special price.”
Rates must be approved by the ODI and can not differ from one broker to another. Not even a penny! Anyone can sell you health insurance. But medical plans are our specialty and we’ll make sure you receive the best plan for your money. And your personal information will never be shared with any other person or company.
Low Cost Ohio health insurance plans are offered through this website. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna, Celtic and Humana feature low cost Ohio health insurance policies that are extremely affordable. Premiums for individuals, families, the self-employed or the unemployed will be much lower than you realize after viewing some of the plans.
Low cost health insurance plans often contain coverages found in more expensive policies. While catastrophic expenses are usually covered, additional benefits such as office visits, prescriptions, preventative exams and lab/X-ray costs are also sometimes included. Most preventive benefits are now covered at 100% with no waiting period. Recent health care reform changes mandated the preventive benefits coverage along with a few other extra items including the elimination of lifetime caps on benefits paid. These extra benefits also apply to high-deductible policies.
By clicking on the “Get Instant Quote” button at the top of this page, you’ll be able to instantly view and compare almost all of the available Ohio health insurance plans at the lowest available rates. However, before you view your options, I have listed below some low cost Ohio health insurance plans with surprisingly comprehensive benefits.
UnitedHealthOne Copay Select Value plan allows two office visits per person per year (subject to a $35 copay). Generic prescription coverage is included and subject to a $15 copay. Adult and children preventative doctor office visits are also included but no copay applies. Mammograms, pap smears and PSA testing are also covered with no cost to policyholders . A wide range of deductibles is available, making this plan one of the most affordable Ohio low cost health insurance policies.
Anthem SmartSense Plus Standard RX plan is a slight upgrade from the Anthem Value plan (which is no longer available). Three (instead of two) office visits are covered, subject to a $35 copay. Subsequent office visits are subject to a deductible, although a Network discount may apply. Formulary prescriptions are subject to the greater of a $15 copay or 40% . Non-formulary drugs receive the Anthem negotiated discount. Adult and child preventative coverage is included and the annual lifetime maximum cap has been removed due to national health care reform.
Celtic Basic plan provides two office visits that are subject to a $30 copay. The deductible and coinsurance applies to subsequent office visits. Adult and preventive benefits are covered "first dollar" while generic and name-brand prescription coverage is included subject to a $1,000 deductible.
Aetna Preventive and Hospital Care 3000 plan is perhaps the ultimate “low cost" plan. Premiums continue to be low, despite a rate increase in mid-2009. Essentially, the plan is a catastrophic policy that also includes comprehensive preventive coverages. Annual routine GYN exams, Pap/mammogram and routine physicals are all covered without having to meet the $3,000 policy deductible. The annual lifetime maximum of $1 million has been removed. Aetna Ohio medical plans have been growing in popularity since 2005.
UnitedHealthOne Copay Select plan offers the most coverage of any of the low cost plans. Unlimited covered office visits are subject to a $35 copay and most preventative benefits are included. Generic and non-generic prescriptions are included along with a dental/vision discount program included in the premium. However, to keep premiums low, a major medical deductible of at least $2,500 should be selected. In many areas of Ohio (especially the Central and Southwestern part), this health insurance plan is extremely popular.
These five low cost plans should always be considered when evaluating affordable Ohio health care. But there hundreds of additional policies offered by the major health insurers, and some may be the best option for you. That’s where we can help. We’ll research all of your options…not just a few. And if your need is temporary, we'll consider a "short-term" plan, which is the lowest type of health care coverage.
Please don't hesitate to call or contact us with questions. We know Ohio plans better than anybody since we are located here and have 30 years of experience providing help to thousands of clients. And of course...you never pay any fees.
Ohio short term health insurance is the least expensive type of medical coverage. If you are a recent high school or college graduate that is no longer covered under a parent’s policy, unemployed, between jobs, a seasonal employee, temporarily uninsured or just waiting for other coverage to begin, then an affordable Ohio short term health insurance policy might be your best option. We guarantee that the rates you view on our website are the lowest available rates allowed by each carrier.
Also, if you are employed part-time or temporarily, laid off, on strike, on Cobra or waiting for your permanent insurance to begin, you may need Ohio short term coverage. Temporary health insurance is extremely cheap and is available from the top Ohio insurers such as Anthem Blue Cross, UnitedHealthOne (formerly UnitedHealthCare), Medical Mutual, Celtic and Humana. These companies feature rates that are often just a fraction of the cost of a conventional policy.
For example, a family of three (Ages 40, 38 and 7) in the Columbus area will pay approximately $70-$100 per month for coverage. A wide range of deductibles is available, and naturally, lower deductibles will increase the premium. The rate for one person is substantially lower. You can cancel your policy at any time, and are never under an obligation to keep the plan for any length of time.
Short Term Policy Features
*Coverage is designed to be effective for a short period of time…usually between 1 and 12 months. Once the policy ends, you may be forced to re-qualify for additional coverage. If you have paid for benefits that you have not used, a refund will be processed on the unused portion. You are not obligated to keep a temporary policy any length of time. If you remain in good health, it is possible to keep coverage with multiple companies formany years.
* Pre-existing conditions are generally not covered. Also, coverage is usually “catastrophic” instead of “comprehensive.” However, some plans, such as the Medical Mutual short term policy, will provide some office visit coverage. Prescription benefits are often included, subject to policy limitations. If you are willing to accept higher out-of-pocket expenses, the rate will reduce.
*Rates are typically low…as much as 30%-60% less than a conventional policy. And because of its low cost, preventative coverage is usually not included, unless you meet the deductible. A wide variety of deductibles is usually available, ranging from $250-$5,000. $2,500 and $1,000 are the most popular deductible choices.
*Most Ohio short term insurance plans allow you to pay monthly, or pay all of your premiums in advance. When paying in advance, most companies discount the rate. A typical Ohio short term health insurance plan is usually approved within 24-48 hours. The standard application is brief and typically takes less than 20 minutes to complete. It can be completed through an online link we provide or in some cases, we can email or fax the short application.
Applying For Coverage
Ohio short term coverage is not the right solution for everyone. But if you’re not presently insured, it is often an attractive low-cost option worth considering. Please don't hesitate to call us at (888) 513 6446 for additional information. We'll be happy to review the top plans and discuss which short-term policy is best for your unique situation.
Currently, UnitedHealthcare, Celtic and Humana offer the lowest rates for this type of coverage. All three companies allow online applications that expedite the time needed to get approved. We'll be happy to discuss with you which company is best for you and what method of applying is the best.
To view Ohio short term rates, simply click on the “Get Instant Quote” link at the top of this page. Instantly, you can compare and apply for the top Ohio short-term health plans. Your personal information is never shared with any other person or company.
Ohio individual health insurance plans are available at extremely affordable rates. Many large Ohio health insurance companies offer a large selection of plans to meet the ever-changing needs of consumers. Whether you're an individual, family, student, self-employed, between jobs, an early retiree or uninsured, we'll find the right individual health insurance plan for you. And unlike many other online insurance sites, we're located in the state (Springboro) and are recognized as the premier resource for affordable Ohio private medical insurance. The rates you view on this website are the lowest rates offered by each carrier.
In Ohio, UnitedHealthOne, Anthem Blue Cross, Aetna, Humana and Medical Mutual offer the most competitive rates. Individual policies are medically underwritten, so pre-existing medical conditions can sometimes increase the rate. However, in most cases, these conditions will not cause a denial of coverage. And if you have prior credible individual or group coverage, the pre-existing condition clause may be waived. Recent reform changes could possibly effect the rate you pay, especially in 2014. We'll be happy to review those changes with you, and discuss what specific steps should be taken to maximise your savings. Ultimately, however, the Supreme Court may decide the fate of Obamacare.
The three types of private Ohio individual health insurance are “comprehensive,” “catastrophic,” and Health Savings Accounts (HSAs).” All three types of coverage are easily purchased with multiple deductible options. Higher deductibles can substantially reduce rates.If there are no existing major issues, most companies will allow you to change from one type of coverage to another (subject to specific company guidelines). And you never have to sign a "contract" forcing you to keep a policy for a specific length of time.
Catastrophic plans generally cover only the major medical expenses, and rates tend to be very low. Sometimes referred to as a "High Deducible Health Plan," out of pocket expenses are higher, with limitations on office visit and prescription coverages. Preventive benefits are included and are not subject to a deductible. When a "Network" provider is used, out-of-pocket costs are often discounted. Ideally, this type of individual plan is appropriate when you are willing to pay the smaller and routine medical expenses and can easily afford out-of-pocket expenses of $2,500 or more.
Comprehensive plans add office visit and prescription coverages, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some Ohio individual health insurance plans will offer a reduced rate, by limiting the number of covered office visits.
For example, Anthem has a low cost contract that includes only three physician visits per person per year. And Aetna offers a cheap policy with five office visits. Another available option to reduce premiums is limiting the type of prescriptions that are covered or capping the dollar amount of covered prescriptions per year. In 2014, health reform legislation may eliminate the practice of capping prescription coverage.
HSAs, a popular Ohio individual health insurance plan, are most effective when major medical and preventative coverages are a priority. Rates are often fairly low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower-premium/higher deductible policy can be deposited into an Ohio HSA account, to pay for qualified medical expenses. You control the money in the account and have complete access at all times. Preventive benefits are not subject to a deductible and other covered expenses receive a negotiated "repricing" discount.
Ohio individual health insurance rates are available by clicking on the "Get Instant Quote" button at the top of the page. Instantly, you can view, compare or apply for high quality plans. Your private information will never be given to another person or company. And there is never any fee for our services, so feel free to call or email us any time.
