The Ohio Pre-existing condition health insurance plan will be available in August. This temporary health insurance program (“high risk pool”) is designed to offer somewhat affordable Ohio health insurance effective September 1. Applications will be accepted on August 1. Medical Mutual will operate the plan through the Ohio Department of Insurance. Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. Pre-existing conditions will be covered without a waiting period. However, there are some catches.

To qualify for coverage, you must have a “qualifying pre-existing condition,” as evidenced by a denial of coverage by two health insurers. Documentation from a health professional will also suffice. Any person who applies for the Ohio pre-existing condition insurance plan also must be a citizen or lawfully present in the United States. Also, no prior medical coverage can be in effect for the last six months and proof of Ohio residency will be required.

The Ohio Pre-Existing Condition plan will be available until 2014 when national health reform takes effect. Many experts feel health insurance rates could substantially increase at that time since any person could obtain coverage regardless of their health condition. And of course, they will be able to cancel their policy after treatment and purchase health care when it is needed again. A small penalty would be imposed if coverage is not in effect.

If you DO NOT have any major pre-existing conditions, you SHOULD NOT apply for this coverage. You may be eligible for standard coverage at much lower rates from some of the major Ohio health insurance companies such as Aetna, Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Humana or Assurant. You can view these rates by clicking on the “Get Instant Quote” button at the top of the page.

Ohioquotes.com is the premier resource for affordable Ohio health insurance plans and guarantees that the rates you view are the lowest allowable by the state. You can also call and speak to a live person at (888) 513 6446.

Helpful links:

Ohio Department Of Insurance

Healthcare.Gov website only to be used if you are uninsurable

Why should you use an Ohio health insurance broker? Because an Ohio health insurance broker works for you and not the health insurance company.  A broker researches, reviews and studies hundreds of health insurance quotes to provide you with the most affordable plans that match your budget.

Ohioquotes.com is the state’s premier trusted Ohio health insurance broker, offering rates that are guaranteed to be the lowest allowed by the Ohio Department of Insurance. Since rates are mandated, no other broker or website can legally offer lower rates. We specialize in individual and family Ohio medical coverage, and take the time to find the plans that offer the coverage you need, and meet your specific budget.

Dramatic changes in personal health insurance coverage have made a health insurance broker’s role increasingly important in the process of explaining state and federal health insurance reform changes and their effect on your rates and coverage. Ohio health insurers have already implemented some of these changes and more changes are on the way. We monitor any change in rate, coverage or law and notify you if they will impact your policy. If necessary, we’ll recommend appropriate changes that will keep your coverages and rate where you want them.

We understand that it is very confusing and frustrating to purchase a policy…especially online. When you speak to us, you are working with a broker with more than 30 years of experience in the business. There are no fees or costs associated with the service we provide and we never share your information with any other person or company. And since we represent all of the major health insurers, you don’t have to worry about the pitfalls of going directly to a health insurance company. That is…we’ll research many plans from many different companies, not just a few plans from one company.

Online Ohio health insurance quotes are available from many websites other than ours. However, there is a good chance that another website will “sell” your information to multiple brokers and agencies outside of Ohio. The result will be incessant calls and emails that never seem to stop. That’s why tens of thousands of Ohioans have visited our website. They know they will receive unbiased up-to-date information without getting bombarded with phone calls.

For additional information, please call us at (888) 513 6446. If you would like a free online Ohio health insurance quote, simply click on the “Get Instant Quote” button at the top of the page.

Central Ohio individual medical health insurance plans are very affordable and are available through most of Central Ohio’s major health insurers. Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual and Humana offer low cost medical insurance plans through Ohioquotes.com, the state’s premier trusted resource for Ohio health insurance plans. Rates are guaranteed to be the lowest allowable by the state, so no other broker or website can legally offer a lower rate.

Affordable coverage is available whether you are single, a family, self employed, unemployed, without coverage or on Cobra. Many Central Ohio counties feature extremely competitive rates compared to other parts of the state. Comprehensive, catastrophic and Health Savings Account (HSA) plans are instantly available by clicking on the “Get Instant Quote” button at the top of the page. You can view, compare or apply online for individual medical health insurance coverage from the top companies. And we’ll work closely with you to help select the plans that best fit within your budget but provide the benefits that you need.

Some of Central Ohio’s counties include Franklin, Madison, Union, Delaware, Licking, Fairfield, Pickaway, Morrow and Knox. UnitedHealthcare’s rates are especially competitive in most of those counties. Their “Copay Plus” and “Copay Saver” plans are comprehensive policies that feature office visits, prescriptions, preventive benefits and major medical coverage. Basic maternity coverage is also an inexpensive available rider with most UnitedHealthcare plans.

Although individual HMOs are not available in this portion of the state, Aetna’s “First Dollar PPO 40” plan offers similar features, such as a “no deductible” benefit. Unlimited office visit coverage is provided ($40 copay) with comprehensive prescription and preventive coverages.

Ohio Health Savings Accounts (HSAs) are a popular option for the self employed or any individual or family. HSAs are an affordable alternative to traditional Central Ohio individual medical insurance plans. It’s a savings account that allows you to pay for current qualified health, dental and vision expenses and save for future expenses on a tax-free basis. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. For example, a family of four in Franklin County (Male 40 Female 40 and two children) would pay only $196 per month ($5,000 Deductible) or $271 per month ($3,000 Deductible) for an Anthem Blue Cross HSA. Medical Mutual also offers competitive Ohio HSA rates. We do NOT offer coverage through Mega Life and Health insurance or Cinergy Health Insurance companies and we’ll be happy to discuss our reasons if you call us.

Whether you need catastrophic, comprehensive or temporary short-term coverage, if you live in Central Ohio, Southern Ohio or any other part of the state, we’ll help you find the right plan at the best available price. Feel free to view an “Instant Quote” online, call us or email us.

Ohio health insurance reform has begun. So far, no major changes have occurred that will affect you. While we believe that the proposed health care reform changes will ultimately  increase Ohio health insurance rates, we””ll continue to monitor the progress and hope that rates stabilize.

Listed below are some of the most recent and relevant news/blog articles:

Health Care Reform Will Cost $115 Billion More

Health Care Reform Package Flawed

Suit To Overturn Health Care Law

Health Care Critics Missing The Point

Health Care Reform Will Impact Southern Ohio

Small Business Group Joins Health Reform Lawsuit

Medical Mutual Of Ohio has introduced two new Ohio individual health insurance plans. The “Elite” and “Premium” copay plans are now available to Ohio residents. Ohioquotes.com offers all Medical Mutual Of Ohio individual health insurance plans at the guaranteed lowest allowable rate. By clicking on the “Get Instant Quote” button at the top of the page, instantly you can compare, review or apply online for Medical Mutual’s best plans.

The “Elite” and “Premium” individual health plans offer copay coverage (not subject to a deductible) for office visits, specialist visits and Urgent Care visits. Routine physical exams, Well-Child services and Well-Child exams are also not subject to a deductible. Prescription benefits are included along with a lifetime maximum of $7.5 million.

Additional covered benefits for the Medical Mutual Of Ohio “Elite” and “Premier” plans  include inpatient and outpatient services, mental health and substance abuse coverages, home health care and diagnostic services. Optional rider options include prescription benefit upgrade, maternity, dental and vision, and life insurance. We’ll be happy to review your specific situation to determine if any of the optional riders are worth considering.

Medical Mutual individual health insurance rates appear to be the most competitive in the Cincinnati area and in Northern Ohio. Of course, there are many other smaller pockets of the state where their rates may be quite competitive as well. For additional information, please call us at (888) 513 6446.

SuperMed One Elite Plan With Office  Copay

SuperMed One Premium Plan With Office Copay