Low cost Ohio health insurance plans are available. And you don’t have to sacrifice all of your coverages when you purchase a plan. Some of the most affordable low cost Ohio health insurance plans are described below:

Catastrophic Low Cost Plans

Saver 80 plan from UnitedHealthOne. Catastrophic plan is one of the least expensive plans offered in Ohio. Major medical coverage with many optional deductibles.

Preventative And Hospital Care 3000 plan from Aetna. Catastrophic plan also includes preventative coverage that is not subject to the deductible.

Semi-Comprehensive Low Cost Plans

Value plan from Anthem. Competitively-priced policy allows two office visits per person per year along with limited prescription coverage. Wide range of available deductibles.

Copay Saver plan from UnitedHealthOne. Very similar to Anthem’s value plan, although rates are generally higher in most Ohio counties.

PPO Value plan from Aetna. Another low cost Ohio plan that allows two office visits. Additional office visits are subject to a deductible. Very good preventative coverage included.

Comprehensive Low Cost Plans

Copay Select from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with good preventative benefits (subject to 90-day waiting period).

Premier plan from Anthem. This policy was introduced in early 2009. Very flexible contract with many available riders. Solid coverage although fairly expensive when comparing to other similar plans.

PPO Copay plan from Aetna. Truly a “low cost plan,”…this policy always seems to be one of the more affordable options in this class. Great preventative coverage and wide range of available deductibles.

There are other low cost Ohio health care options. I have tried to focus on the plans that seem to have the most affordable rate in most parts of the state.

To instantly view, compare and apply for high quality Ohio health plans, please click on the “Get Instant Quote” button at the top of the page.

Many Ohio health insurance consumers are not aware that there are many insurance-related businesses that collect and provide medical information to health insurance companies about an individual’s health conditions and usage of prescription drugs.

Ohio Department of Insurance (ODI) Director Mary Jo Hudson is recommending Ohio consumers should verify the accuracy of any health information collected by these companies.

Ohio life and health insurers routinely request medical information on applicants while underwriting a policy. Often, medical information from prior applications on the same person is used to possibly verify or confirm information.

For example, when an insurer takes an application for health insurance, the insurer may submit certain personal identifying information to one of these insurance support organizations to find out if any other insurer has had the same applicant. If the insurance support organization does have a “match,” the information is sent to the insurer, using certain codes. The insurer receiving the coded information can then question the applicant further about any undisclosed health information.

Under Ohio law, you are entitled to view and correct your personal information. You may view and copy the information in person, or have it mailed directly to you.

The complete article from the ODI can be found here.

For additional information regarding Ohio health insurance, please visit Ohioquotes.com, the premier authority in Ohio for Ohio health insurance. Instantly, you can view, compare and apply for high quality Ohio health insurance plans.

A national health care system may allow individuals to avoid paying for their health insurance. But the cost of health care will not reduce. In fact, it may actually increase. I’m not a big advocate of government-sponsored health care. I believe a combination of increased utilization of Health Savings Accounts, mandated (required) health care for everyone, increased tax credits and mandatory preventative visits will solve our problems.

James F. Pontuso, Charles Patterson Professor of Government & Foreign Affairs at Hampden-Sydney College, offers some very astute views…

The reason health care costs have risen is not because of waste, neglect, incompetence, or greed, but rather because medical care has become so much better.

Proponents of national health care insist that there will be reductions in administrative health-care costs. It is true that there are savings because of economies of scale, but has anyone ever seen a big government program administered efficiently?  Big government programs are almost always more expensive than expected exactly because bigness breeds inefficiency. A national health-care system in the U.S. may create the largest bureaucracy in the history of the world.

We could also reduce health care by capping the compensation for doctors, nurses, and other health care professionals. But we have to wonder whether the nursing shortage in the U.S. would get worse if nurses’ pay were lowered. As for my cardiologist, she loves medicine and she might have pursued her career even if it took her longer to pay off her debts. I know she is talented enough to succeed in most any profession she entered. Like most people who are really good at what they do, she wants to be compensated for all her hard work, dedication, long hours, and expert skill – such, after all, is the American dream.

The cost of national health care will be high either because good health care is expensive or because inexpensive health care will not be good. This is the issue which we face.

The full article can be found here!

Warning: You are about to enter “The Health Insurance Cartoon” zone! Although my sense of humor is legendary…normally, my blog articles focus on serious Ohio health insurance issues. But, not this time.

Please enjoy some of my favorite health insurance cartoons:

Best Medicine

Comprehensive Health Plan

Anesthesia

Company Health Insurance Plan

Ohio health insurance rates are quite affordable…especially if your employer is paying the premiums. However, if you’re self-employed or are paying your health care premiums yourself, they may not seem so affordable.

Consumers can reduce their Ohio health insurance rates by following some simple guidelines. Ohioquotes.com, the premier resource for Ohio health insurance plans, provides these rate-saving tips:

·        If you’re relatively healthy, always consider raising your catastrophic deductibles. The savings could easily be thousands of dollars per year.

·        Never buy an Ohio health insurance policy from an out-of state broker. They may recommend the wrong plan, and are quite likely to be unfamiliar with all of the available Ohio health care plans.

·        If any broker attempts to charge you an “application fee” or processing fee,” run away fast! The lone exception is some Ohio short-term policies.

·        If your rates have increased each of the last three years, it might be a good time to compare plans. Current Ohio health insurance rates may be less than the premium your older policy is costing you.

·        Consider an Ohio Health Savings Account (HSA). In addition to tax deductions, the savings in premiums can be deposited into a side account that pays current expenses. Potentially, you could save thousands of dollars.

·        Eliminate unneeded coverages. If you rarely visit a physician and there are no children on the policy, consider eliminating the coverage if the savings is substantial.

·        Let us review your current coverages. It’s possible there are some available discounts you’re not aware of. Also…simple “fine-tuning” instead of changing an existing plan might provide some premium savings.

Ohio health insurance rates don’t have to be high. For a free policy review, please call or email us. For an instant Ohio quote, please click on the “Get Instant Quote” button at the top of the page.