Health care reform is one of the Ohio’s most contentious issues. President Obama wants government-sponsored health care, hoping costs will reduce. Insurers and doctors are concerned that patients will have fewer choices under Obama’s plan. Drug companies fear that quality of our health care will weakened.

Sometimes it’s hard to determine the difference between myth and fact. One common myth is that Ohio consumers overwhelmingly want to see the current health care system changed. But that’s not true since recent polls indicate roughly half of Ohioans and the US population want to maintain the current system.

Liz Peek wrote a very interesting article about Obama’s five “Health care myths.” I don’t necessarily agree with all of her assertions, but there are some very valid points she raises. If you’re concerned about Ohio health care, you’ll be interested in reading this article.

You can read the article in its entirety here.

Assurant Ohio health insurance plans are issued through Assurant’s parent company, Time Insurance. And although Time is an established and reputable company, you may notice that I rarely recommend an Assurant Ohio health insurance plan. In fact, when you view your quotes, Assurant is seldom listed.

One important consideration is Assurant’s  Ohio rates. In most parts of the state, their rates aren’t high. They are VERY high. For example, Assurant’s monthly rate for comprehensive coverage (husband/wife ages 45 with two children) is $624, compared to United HealthCare’s rate of $389. Aetna’s rate is $479 and Anthem’s rate is $503. Assurant’s “MaxPlan” was compared to the most similar policy from the other carriers.

Assurant’s Ohio HSA insurance rates are also quite high. The monthly rate for a $5700 family deductible is $408. Anthem’s rate for a $6000 deductible is only $306 and United HealthCare’s rate for a $5000 family deductible is only $326. Plan coverages were very similar.

Assurant also offers optional health insurance plans at reduced rates, including the “CoreMed” and “RightStart” plans. But coverages are greatly diminished and similar plans are also available from most of Ohio’s other carriers.

An additional concern is Assurant’s (Time) “complaint ratio” with the Ohio Department of Insurance. In 2007 (the most recent available data), Assurant’s complaint ratio was twice as high as the other major Ohio health insurance carriers. In prior years, Assurant’s ratios were also quite high.

When I am researching Ohio health plans, I consider all of the major companies, including Assurant. But  the consumer is my top priority. And if I feel Assurant’s plans are not the best fit for you, I will not recommend them.

To instantly view, compare and apply for high quality Ohio health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your information is never sold or given to any other person or company. And your rate is guaranteed to be the lowest allowed by the state.

Ohio Governor Ted Strickland is facing a massive budget shortfall of more than $3 billion. Filling that hole is not an easy task and many worthwhile programs may have to be cut back or eliminated. Some of the programs (other than dental coverage) at risk include preschool learning, Community health centers and mental health facilities.

The state’s poor could lose their Ohio dental insurance along with vision coverage and other types of care. However, administration officials say they plan to continue these services by temporarily using unspecified funds. Eventually, Strickland hopes the state will win a court case that will release $258 million of tobacco settlement money. If that does not occur, additional sever cutbacks could be coming.

Affordable Ohio dental insurance plans are available, regardless if the state cuts aid. A wide variety of plans can be found here, with premiums ranging from $10-$70 per month. Additional, more comprehensive dental plans are available from Anthem, Aetna and United HealthCare. For details, please email me at service@ohioquotes.com

To read more about Ohio’s budget problems and how it may affect you, please click here. Because this is a very fluid topic, budget changes can be made very quickly.

So you need to buy an Ohio health insurance plan. You want an affordable high quality policy at the lowest available rate. But where do you buy it?

The best source for buying an Ohio health insurance plan is Ohioquotes.com. Recognized as Ohio’s premier resource for Ohio health care, you can instantly view, compare and apply for high quality health insurance plans.

But perhaps most importantly, when you buy your health insurance, your personal information is never sold or released to any other person or company. Unfortunately, many online health quoting websites sell your information to multiple brokers throughout the US. This leads to incessant emails and phone calls for many months.

Ohioquotes.com also guarantees that your Ohio health insurance premium will be the lowest available rate allowed by the state. Rates in Ohio are mandated, so when you buy your policy, it is impossible for any other site to charge a lower rate. All major companies are researched for you, including Anthem Blue Cross, Aetna, United HealthCare and Aetna.

Each year, when your policy renews, you’ll receive a copy of the current Ohio health insurance rates from the other major carriers. So, if your premium starts to rapidly increase, you’ll be able to buy a similar policy at an affordable rate (Assuming no major change in health).

For a free instant health insurance quote, simply click on the “Get Instant Quote” button at the top of the page.

Ohio health and dental insurance coverage can be combined into one policy. Often, the major Ohio health insurance companies, such as Aetna, Anthem Blue Cross, and United HealthCare, will either include or offer separate riders for their dental coverage.

Below, you can view some of the features, coverages and approximate costs of adding dental coverage to your Ohio health insurance policy.

United HealthCare includes a dental “discount” coverage with their Ohio health plans. FACT (Federation of Consumers and Travelers) provides the discounts…usually between 10% and 40% on many dental and vision expenses. A more comprehensive dental insurance plan is also available for approximately $22-$34 per month per person.

Anthem Blue Cross Of Ohio offers a wide range of dental services that can be added as a rider to their health insurance plans. Both traditional and PPO plans are available at monthly costs between $22 and $36 per month per person.

Aetna offers two levels of dental coverage. If packaged with their Ohio health insurance plan, the cost is only $14 per month per person. A “stand alone” dental plan is also available for customers that do not own an Aetna health plan. The monthly cost is approximately $25.

Medical Mutual of Ohio offers a dental insurance rider with a $50 deductible. Once the deductible is met, most preventative services are covered at 100%. The approximate monthly cost is $15-$20.

If your priority is keeping your Ohio dental coverage premium low, you may wish to consider an Ohio dental discount plan. You may click here for complete details.

Ohioquotes.com is Ohio’s premier resource for health insurance plan. Feel free to call (888) 513 6446 for information, or instantly view rates by clicking on the “Get Instant Quote” button at the top of the page.