If you currently have an Ohio health insurance policy, then you probably pay a “copay” on your office visit coverage.  The “copay” is the dollar amount you must pay for your covered office visit. Normally, copays range from $15-$40.

If your doctor does not participate in your Ohio health insurance plan, your out-of-pocket expense will be higher.

The good folks at Humana have put together a video that provides a bit more insight to this topic. I promise…the video is quite informative and pleasantly brief.

Ohio individual health insurance plans have a new addition!

Anthem Blue Cross has introduced its “SmartSense” plans, an affordable alternative to its more expensive “Premier” plan. Three PCP/Specialist office visits are covered with a $35 copay. A deductible applies to any remaining office visit.

Generic formulary, plus limited number of brand-name drugs are subject to a $15 copay or 60%, whichever is higher. Non-formulary prescription drugs are not covered.

Most Ohio individual health insurance plans include some adult preventative coverage. The “SmartSense” plan, unfortunately, only covers Mammography and Pap Tests after the deductible. Child preventative services are covered after the deductible.

For additional details, please call us at (888) 513-6446 or email service@ohioquotes.com

Instant Ohio individual health insurance quotes are available by clicking the “Get Instant Quote” button at the top of this page.

Many consumers assume they have quality health care. But they don’t realize that their policy has substantial gaps in coverage, with limits and loopholes that were not adequately disclosed.

 Consumer Reports published their “Seven Signs A Health Plan Might Be Junk.” They recommend avoiding plans with these features:

·        Limited benefits

·        Low overall coverage limits

·        Bargain premiums

·        Little or no coverage for the important items

·        Ceilings on categories of care

·        Random “gotchas”

The entire article can be found here.

Here’s some good news: Ohioquotes.com NEVER uses any type of “discount” plan. As Ohio’s premier resource for Ohio health insurance plans, we are extremely particular when researching and recommending coverage. Only the highest quality policies are considered.

For an instant Ohio health insurance quote, please click on the “Get Instant Quote” button at the top of the page.

Ohio health insurance companies divide all drugs into categories (tiers) based on cost and use. “Generic” drugs are the least expensive while “Specialty” drugs are the most expensive.

Humana provides an informative video that explains the differences in each tier of drugs. Whether you take multiple prescriptions, or you have no current medical conditions, please take a moment to view the video.

If you need any additional information regarding the impact of prescriptions on Ohio health insurance coverage, please feel free to call us at (888) 513 6446. You may also receive an instant Ohio health insurance quote by clicking on the “Get Instant Quote” button at the top of the page.

Ohioquotes.com is the premier resource for Ohio Health Insurance coverage. 

Ohio white-collar retirees from  Delphi Corp. could be getting some help with their health care costs after a tentative agreement was reached between the bankrupt company and a committee representing those retirees. The settlement must be approved by Delphi’s creditors and the bankruptcy court.

The company will contribute $8.75 million into a separate fund that will be established to subsidize medical costs for salaried retirees.

The fund also covers the cost of creating a Voluntary Employees’ Benefit Association (VERA), a system that covers health care insurance costs with tax-free funds. A national health care program will be selected to manage the fund.

Delphi estimates that it will cost the typical retiree between $300 and $660 per month to maintain coverage, while family coverage could cost as much as $1,800 per month. Dental coverage would cost between $45 and $125 extra, depending on whether individual or family coverage is requested.

Earlier this year, a U.S. Bankruptcy judge allowed Delphi to abruptly terminate health care and life insurance benefits for its current and future salaried employees.

Affordable Ohio Health Insurance Plans offers professional local advice to Delphi employees. All major Ohio health insurance companies are researched to find high quality Ohio health care at the guaranteed lowest available cost.