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Ohio Health Insurance Tips – Save 50% Or More On Your Medical Plan

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Ohio health insurance rates are actually quite affordable compared to other states. But whether you’re paying $60 per month or $560 per month, that may be too much. We shop prices 24/7 so you’re always viewing the best offers. It doesn’t matter whether it’s Anthem or Humana, we always publish the best offers.

Here are 10 money-saving ideas that might reduce the prices you pay. While all of these tips may not apply to you, perhaps a few will lower your premium. And you may also notice an improvement in your benefits.

·Raise your deductibles. By increasing the deductible from $1,000 to $2,500, a family of four could save $2,000 per year. You may also wish to consider a $3,500 or $5,000 option which will make a big difference when the number of persons covered is three or more.

·Consider an Ohio Health Savings Account (HSA). If you don’t have a lot of medical expenses, an HSA could potentially save you tens of thousands of dollars over your lifetime. You’ll also get to deduct contributions and take complete control over your medical benefits. If you have reached your 65th birthday a Medicare Supplement policy for Ohio should be looked at. We’ll help you every step of the way.

·Raise copay amounts if you are not using your office visit coverage more than three times per person per year. If you currently pay $20 or less, bump it up to $30 or more. Usually, the savings far outweighs your out of pocket cost. If your physician charges you less than $60 for visits, you’re probably paying for a benefit that should be removed.

·Combine all family members on one policy to possibly reduce rates. However, if the adult coverage should be different than the dependent coverage, two separate policies might reduce premiums. In 2014,with the introduction of the Exchange, you will be able to purchase a “child only” policy. However, plan choices will be somewhat limited, with “Platinum” being the most expensive choice.

Family Medical Plans

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·Compare rates every three years. Prices generally increase each year, and yours may be increasing faster than other companies. Certainly, you can research more frequently, since there is no cost during the process. But before you change, consult us to ensure the new coverage is appropriate. We will develop a strategy that you will be very happy with.

·If you stopped smoking, notify the carrier. You may be eligible for a reduced rate, and it may be substantial. Most companies increase premiums approximately 15%-30% if you have used nicotine within the last 12 months. The Ohio Health Exchange, however, in 2014, will use a 50% surcharge factor if you smoke. that should be plenty of incentive to quit.

·Are you paying for unneeded benefits? The removal of symptomatic office visit coverage could save hundreds…perhaps thousands of dollars every few years. Since preventive visits are automatically paid in full, you may feel that there is no need to pay $50-$150 per month extra to cover a few yearly bouts of the flu that require a generic prescription.

·Ask about “Wellness discounts.” Some Ohio health companies will reduce your premium if you regularly exercise and meet other requirements. You may even be rewarded with a credit towards memberships in exercise clubs or the YMCA. It’s free money that you should always ask about.

      ·Make sure you are using the “Preferred” Network if you have a PPO policy. You may be paying a higher premium because you are either using the wrong network or you are being treated by a provider that’s not listed on any of your provider lists.

        ·Purchase your coverage directly through our website so you receive direct carrier and direct Exchange rates. We’re still the top-rated choice of consumers and will always provide free lifetime service and expert guidance regarding tax rebates, the application process and any facet of your policy you need help with.

Ohio Health Insurance Scams

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Ohio health insurance is big business. Unfortunately, sometimes it turns out to be monkey business.

When you go online and request a free quote, you’re likely to be contacted…no…make that BOMBARDED, with calls and emails from across the US. And while the vast majority of persons who contact you are honest professionals, you may be contacted by a con artist looking to make a fast buck. Typically, they talk a lot but don’t say much.

These scams operate in every state and are stealing millions of dollars from innocent victims. And sometimes, you don’t find out until your medical bills go unpaid. Or perhaps you noticed a series of unauthorized withdraws from your checking or saving account.

However…there are some warning signs that can help you avoid a scam:

·        The plan appears to be similar to insurance, but the representative used words such as “benefits” and “coverage” instead of “insurance.” And, any people you talk to seem to be evasive.

·        You are asked to pay an expensive “application fee” or “association fee” in addition to the premium.But there is no rational explanation why you need to pay or if it is refundable.

·        The company has no local offices and you have never heard of them. Nor have any of your neighbors.

·        The rep explaining the plan tells you that the policy must be purchased immediately or the rate will go up the next day. If you explain you would like extra time to think about it, a hard-core sales pitch begins.

·        The plan you are applying for accepts all applicants. Serious medical conditions do not affect the rate. The exception would be if this is an Exchange plan through a reputable website (like ours).

·        The rate appears to be substantially lower than other “Name-brand” plans and coverages appear to be higher. And the price does not seem to match what you typically would expect to pay.

·        The rep tells you they don’t have any materials to send in the mail until after you pay the initial fee. The more you ask, the more resistance you receive.

Of course…as the old saying goes…If it sounds too good to be true…it probably is.

Ohio Scams

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And there are plenty of other acts of fraud that occur here in Ohio. More often than you may realize, a consumer is arrested for forging documents to obtain prescriptions. The schemes are often quite elaborate. Submitting false claims is another illegal activity that seems to be growing.

Whether it’s for medical bills or an automobile or a building, the guilty parties are caught almost every time. And unfortunately, seniors are often the innocent victims. The ODI fraud unit is always there to help.

We certainly are not insinuating that most websites are fraudulent. Let’s hope they are not. But the best way to protect yourself is to buy policies from sources you have either been referred to or you trust. Our website, has been around a long time. We provide direct Exchange prices, unparalleled expert advice regarding plan design and tax-credit eligibility, and 24-7 service.

Best Health Insurance Plans For A Tight Budget

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The best budget-minded health insurance plans in Ohio are not just surprisingly affordable, but they also are high-quality policies that will likely surprise you with the comprehensive benefits that are included. They can be purchased for private use or an employer can offer them to all of their employees.

Catastrophic Low Cost

Saver 80  from UnitedHealthOne. This basic policy is one of the least expensive plans offered in Ohio. Major medical coverage with many optional deductibles including a new $12,500 option. Although it will provide benefits for most hospital and related expenses, it is not designed to give you protection for prescriptions, non-preventive office visits or many outpatient expenses. But the price is right!

Preventative And Hospital Care 3000  from Aetna. A catastrophic plan also includes preventative coverage that is not subject to the deductible. It’s similar to the Saver 80 option with the exception that it only has one deductible option – $3,000. Also, Aetna’s provider list is a bit more limited in some areas of the state compared to UnitedHealthOne (Golden Rule).

Semi-Comprehensive Low Cost

SmartSense  from Anthem. Competitively-priced policy allows two office visits per person per year along with limited prescription coverage. Wide range of available deductibles and upgraded RX option can be purchased. In the Columbus area and other parts of the state, the prices are hard to beat when comparing to similar policies. And Anthem does a good job of lowering your portion of the bill since they are able to negotiate lower payouts from their provider network.

Copay Saver from UnitedHealthOne. Very similar to Anthem’s SmartSense plan, although rates are generally higher in most Ohio counties. The $5,000 deductible is the most competitive plan when comparing with other carriers. Discount dental and vision benefits are included with the mandatory FACT membership that must accompany all Golden Rule policies.

Inexpensive Health Insurance Ohio

Save Money With Budget Ohio Health Insurance

PPO Value from Aetna. Another budget-friendly plan that allows three office visits. Additional office visits are subject to a deductible. Like all of the options discussed, mandated preventive benefits are fully covered. A $10,000 deductible is offered that will keep the price lower than almost every other contract.

Basic from Celtic. I think that tells you what you need to know! It’s basic and Celtic underwrites the contract. Actually, their 30% coinsurance option with a $3,500 deductible is a good value. Once again, two office visits are provided with a copay and the RX benefits are typical of this class of policy.

Comprehensive Low Cost

Copay Select from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with plenty of other features. By selecting higher deductible and coinsurance options, you’ll keep the price low.

Premier Plus  from Anthem. This policy was introduced in early 2009. Very flexible contract with many available riders. Solid coverage although slightly expensive when comparing to other similar plans. However, in various counties, it will actually be the most competitively-priced policy. Franklin County (Columbus) is one example. Maternity can be added, although, as expected, there would be a waiting period.

SuperMed One Elite from Medical Mutual. A “super” choice, as you may have guessed. For most everyday issues, you can pay a copay instead of a large deductible. Very complete benefits with optional dental and vision riders (Anthem and Golden Rule also offer the same option). MM is one of the few non-profit insurers in Ohio.

Although we have not listed all available options, the policies we suggested are some of the best budget Ohio health insurance plans for single or family use. You can easily find specific details regarding benefits and how to apply for coverage once you complete the quick quote process.

Who Else Knows About Your Medical Conditions?

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Many 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 medical conditions and usage of prescription drugs.

Ohio Department of Insurance (ODI) Director Mary Jo Hudson is recommending  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.

We always encourage customers to inquire about privacy matters so they can verify where personal information is going and how secure it is when it gets there. Of course, we always take that extra step to keep your quote and application information safe and secure.

National Health Care…Who’s Going To Pay For It?

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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 HSA accounts (found on this page), 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.

 UPDATE February 2013- Maybe the answer is finally known. We all pay! With health insurance rates expected to substantially rise when Exchanges are the law of the land (2014), it becomes very clear that perhaps the system isn’t working as well as anticipated.