As a condition for enrollment at Ohio State University (OSU), students are required to be covered under a qualified health insurance plan. This requirement applies to undergraduate students enrolled for six or more eligible credit hours (five or more eligible credit hours for graduate and professional students). All international students are required to carry health insurance coverage regardless of the number of credit hours the student is enrolled in.

OSU student health insurance rates for 2010-2011 are listed below. These rates are “per semester” and are for the comprehensive student health plan for domestic students.

Student  $815

Student & Spouse  $2387

Student & Children  $2420

Student & Family  $3267

The OSU comprehensive student health plan is the most popular option. The benefit package was recommended by the Student Health Insurance Advisory Committee and approved by the Board of Trustees. The coverage is similar to most student plans with major medical coverages provided along with some office visit, prescription and preventive benefits. OSU Network providers are used in the Columbus area while the Beechstreet Network is utilized outside of Franklin County.

Dental coverage is provided by Delta Dental of Ohio while one annual eye exam is covered and subject to a small $15 copay, with no Network restrictions, assuming a licensed ophthalmologist or optometrist is used. Additional vision benefits are provided including an allowance for prescription glasses or contact lens.

Ohioquotes.com is the premier resource for affordable student health insurance plans in Ohio. To instantly view, compare or apply online for health care coverage, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.

It is also important to note that Ohioquotes.com does not represent and is not affiliated with the OSU student health insurance program. However, we feel the coverage that is offered is very good and the rate is competitive. Specific questions regarding OSU student plan rates, coverage, eligibility requirements and enrollment details should be directed to the Ohio State Student Health Insurance Program.

Affordable Ohio family health insurance coverage is available from Ohioquotes.com, the state’s trusted authority for affordable Ohio family health insurance coverage. Easily, Ohio residents can view, compare or apply for coverage from Ohio’s top family health insurance companies. There are never any fees for this service and an Ohio broker with more than 30 years of experience helps you every step of the way.

Ohio family health insurance coverage quotes can be viewed on a state of the art quote engine that allows you to quickly research and evaluate which plans meet your budget needs and provide the coverage you want. Short term, catastrophic, Comprehensive and HSA plans are included so you are easily able to determine the most affordable option.

We feel it’s important to research every available plan from all of the major companies and present to you the policies that provide the coverage you want and at a rate you can afford. Some of the companies we represent are Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual, Humana, Assurant and Celtic. The rates you view are the lowest allowable rates provided by each carrier.

Recent national health care reform changes allow health insurers to provide preventive benefits to most family plans with no waiting period or deductible. Some of these benefits include mammograms, colonoscopies, immunizations, cancer screenings, well-baby and well-child visits until age 21, routine adult physicals, flu and pneumonia shots, and various routine vaccines.

Typically, Ohio family health insurance policies include copays for most office visits and prescriptions. When a policy has a copay, your out-of-pocket expense is usually limited to $20-$40, depending on the company. Usage of specialists and non-generic drugs may increase the amount of money that you spend. Of course, generic prescriptions will cost substantially less than a non-generic drug.

Affordable  health care options in Ohio are “Saver” or “Value” plans, which are available from most carriers. These types of plans feature premiums that are generally 20%-40% less than standard comprehensive plans. But there are some coverage limitations.

For instance, covered office visits (per person) are usually limited to two or three, depending on the policy. And while generic prescriptions are routinely covered, the non-generic prescription coverage may be limited. Also, out of pocket expenses on major medical claims will tend to be higher with coinsurance sometimes at 30% or more.

Family health insurance rates in Ohio are quite affordable and we’ll help you find the plan that best matches your specific situation. To instantly view, compare or apply for affordable Ohio family health care, please click on the “Get Instant Quote” button at the top of the page. You can also talk to us live by calling (888) 513 6446. Unlike most online websites, we never share your personal information with any other person or company.

Ohio health insurance for the uninsured is actually very inexpensive. Most of the large health insurers offer low cost plans that are 30%-60% less expensive than typical group coverage. Physicals are typically not required and preventive benefits are included with most Ohio health insurance policies. And while being uninsured can potentially raise your auto insurance rate, it generally has no impact on your medical insurance premiums.

We understand that the reason may Ohioans don’t have health care coverage is because they can’t afford it. As the premier trusted resource for affordable Ohio medical plans, we’ll offer some options that will be easy on the pocketbook, but still provide benefits that can be used. The application process is easy since no physicals are required and once the policy is approved, you can pay your premiums monthly.

Many affordable plans are offered by Anthem Blue Cross, Aetna, Medical Mutual, UnitedHealthCare and Celtic. Often, the best Ohio health care policy for those without coverage and on a limited budget is a “basic” policy. This type of coverage offers limited office visit coverage (2-3 covered physician visits per person per year), limited prescription coverage (may not cover non-generic prescriptions) but includes comprehensive preventive benefits that are not subject to a deductible.

Three popular Ohio health insurance policies for the uninsured are UnitedHealthOne’s “Copay Saver” plan, Celtic’s “Basic PPO” plan, and Anthem’s “SmartSense” plan. All three policies offer coverage for two or three office visits per person per year along with additional prescription and preventive benefits. A deductible applies to major medical claims with deductible options ranging from $500 to $5,000. All three plans may be paid on a monthly basis and the policies can be cancelled at any time.

An Ohio short-term health insurance plan is also an option to consider for any person who is uninsured. Short-term plans are extremely inexpensive and are usually issued within a few days. Policies can be kept for a month or as long as a year. Humana and Celtic typically offer the lowest rates in the state with deductible options from $500 to $5,000 and multiple coinsurance options. This type of coverage is ideal for persons that are graduating students, seasonal employees, laid off, between jobs or waiting for group benefits to begin.

To instantly view your options, compare plans or apply for immediate coverage, please click on the “Get Instant Quote” button at the top of the page. You can also talk to a live person by calling us at (888) 513 6446.