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Ohio High Risk Pool Plans – Affordable Health Care Coverage For The Uninsured

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Medical Mutual Of Ohio has been selected by the Ohio Department Of Insurance to administer and manage the “High Risk Pool.” They will manage claims, handle the application process and provide customer service support. The Federal government has provided $152 million to subsidize costs that exceed premium payments collected by new enrollees. It is possible that there will be a waiting list if enrollment limits are met. A separate “Open Enrollment” option is also offered but rates are higher.

You should NOT apply for High Risk Pool coverage unless you have major health conditions. Since prices are significantly higher than standard rates, an underwritten contract is a better option if there are no ongoing medical issues.

The Ohio Risk Pool and Medical Mutual of Ohio, provide affordable healthcare to Buckeye State residents that have major pre-existing conditions and that have previously been denied coverage. The two available plans have no annual or lifetime limits and no exclusions. Also, out-of-pocket costs will be limited to comply with recent national healthcare reform.

Qualifications

To qualify for the Ohio High Risk Pool, some of the eligibility requirements include:

  • Ohio resident at the time you apply for coverage
  • Be without coverage for six months
  • Have a qualifying pre-existing condition
  • Not be eligible for coverage for Medicare, the Ohio Medical Assistance program,  CHIP program or individual/group coverage.
  • Be a citizen of the US and also reside in the United States.

Plan Details

Two plans are available with either a $1,500 deductible or a $2,500 deductible. Each plan includes prescription drug benefits, health and wellness coverage, office visit and prescription benefits, maternity services and emergency service protection. Network coverage is provided by Medical Mutual’s SuperMed Network, one of the largest groups of providers in the state. Whether you live in the Northern part of the state (Akron, Cleveland, Canton) or closer to Dayton and Cincinnati, many physicians, specialists, and hospitals are located within your service area.

Many preventive benefits are covered at 100%. Some of these coverages include routine medical exams, well child care exams, routine mammograms and pap tests and standard immunizations. Additional benefits include mental health and substance abuse coverage, home health care and maternity services. However, many non-preventive items are subject to a deductible.

Once a policy is approved, coverage will begin on the first of one of the following two months. The effective date depends upon when the application was received. Billing can be monthly, and at any time, a policyholder can cancel coverage. When applying for coverage, a check or money order must be submitted for the first monthly premium, along with the completed application.

If you do not have major health conditions, then you should NOT attempt to apply for this type of coverage. Instead, you should provide your zip code at the top of the page and compare the best available plans in your area.

Ohio Health Savings Accounts (HSAs) Plans For 2012

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Ohio Health Savings Accounts (HSAs) are one of the most popular policy options that will reduce your health insurance rates in 2012. We can help you compare the top HSA plans that are available to individuals, families and any Ohioan who is self-employed. Preventive benefits are always provided with no deductible, coinsurance or waiting period. And “Network repricing” can substantially reduce your  out-of-pocket costs on items that are subject to a deductible.

In 2012, the minimum allowed deductible is $1,200 (individual) and $2,400 (family). The highest allowed contribution is $3,100 for an individual and $6,250 for a family. Of course, you can always make lower contributions into your account or simply make no deposits at all. There are cost-of living adjustments and also a special “catch-up” contribution of $1,000 provided if you have reached age 55.

What Our Website Does

This website specializes in providing Ohio Health Savings Account rates and coverage information. We allow you to easily view and compare all of the  plans from the top carriers. But more importantly, with 30 years of experience, we’ll research all of your options and present you with the choices that are best for you. We’re local experts on these types of policies, located here in Ohio,  and we closely research any changes or trends that may affect you.

A Health Savings Account is a combination of a high-deductible insurance policy with a tax-favored savings plan. Deposits into the savings portion can be accumulated and used to pay the deductible (when needed) and other qualified medical, dental and vision expenses. Contributions are tax-deductible and withdraws for qualified expenses are not subject to taxes. All money that accumulates in the account can be withdrawn at any time, and unused funds at the end of the year will not be lost. For example, unused contributions in 2012 can be used for 2013.

Not everyone needs an HSA, and  rates will vary greatly, depending on which part of the state you reside. But, typically, the most competitive policies are offered by Medical Mutual, UnitedHealthOne and Anthem Blue Cross. Humana, Aetna, Celtic and Assurant are reputable companies, but generally feature higher rates. Our free comparisons will help you find the best choice, including the most cost-effective deductible and coinsurance combination.

Embedded Deductible

Medical Mutual and Aetna have an “embedded deductible,” which is a deductible on each person (usually capped at two). UnitedHealthCare and Anthem have an “aggregate deductible, which is a large family deductible that must be met before most benefits are paid. Each type of deductible has its own merits and we review the differences, and what effect they will have on your specific situation. Once you reach age 65, you can still utilize your accumulated money for long-term care, Medicare Part B premiums and other medical expenses.

For additional information on the 2012 Ohio HSA plans, please call us at (888) 513 6446. Or, to get started before you call, and view your options, use the “Get Instant Quote” button at the top of the page. We’ll be happy to help review your options.

Ohio Medical Insurance Scams – Beware Of Fake Health Insurance Plans

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Beware of Ohio medical insurance scams and discount plans. Fraudulent and dishonest healthcare coverage in the Buckeye State seems to be increasing, as many Ohioans are out of work or without benefits. These scams come under the disguise of providing “real health insurance benefits,” when typically, they are nothing more than cheap discount plans. Often, these plans are sold from companies that are not local, and you are pressured from the beginning of the conversation to buy the program as quickly as possible.

Recently, many state insurance departments have been cracking down on these questionable companies, and in some instances, seizing property and closing them down. Unlicensed discount prescription cards and fraudulent claims are two of the most common misrepresentations. Actually, it is likely that you may know someone who has purchased one of these plans. Of course, they may not want to admit it.

Cheap Health Discount Plans - Are They Safe?

Typically, It Is Not Wise To Gamble With Medical Discount Plans

Medical Discount Plans

Occasionally, a medical discount plan may be helpful, especially if you are uninsurable, on an extremely tight budget, and missed the Open Enrollment deadline, which is typically January 31st. Assuming you do not qualify for an SEP (Special Enrollment Period), your options will be very limited, unless you obtain full-time employment with a company that offers group medical benefits.

But since “discount” plans are NOT health insurance, you can expect to pay large out-of-pocket expenses for most submitted claims. Usually, you have to pay your medical bills in advance and wait for reimbursement. And sometimes, you’re just receiving a list of providers that may offer you a small discount on their services.

In most situations,  purchasing a legitimate open enrollment policy from a reputable insurer is the better option. Benefits are more robust, and you can more easily customize a policy to fit your existing conditions. Also, you will not have to pay a 2.5% household income tax penalty for not complying with ACA legislation. If you need assistance with finding a review of Ohio health insurance companies, we constantly review and update data, so you keep informed.

 

Common Warning Signs Of Medical Insurance Scams:

  • You are required to pay an application fee of $50 or more. And often, it’s non-refundable.
  • Mysteriously, you can’t seem to get any information sent to you in the mail. The information is available online or someone has to stop by your residence to deliver it.
  • You don’t recognize the name of the company offering coverage or there are multiple companies offering different benefits under one plan.
  • They are not located here in Ohio, and are not familiar with your specific area.
  • You are asked to provide credit card or checking account information over the phone before you understand all terms.
  • Your doctor and dentist have never heard of the company or are not familiar with them. Local hospitals also do not recognize their name.
  • You are encouraged to buy the policy “now,” since tomorrow the rate will be increasing and a special offer will no longer be available.

Fraud Unit Help

Fraud Information In Ohio About Insurance

Insurance Fraud In Ohio Costs Consumers Millions Of Dollars Each Year

The fraud unit of the Ohio DOI (Department of Insurance) is a criminal justice agency that investigates suspected fraud attempts involving carriers in the state. Although they don’t actively help with the enforcement of questionable policies offered to the public, they can refer cases to state and federal authorities for possible prosecution. If you suspect you have been a victim, the unit should be immediately contacted.  Several common “red flags” are listed below:

Business transactions are handled in person and are always involving cash.

Contact person does not answer phone calls or respond to emails.

You are requested to keep details of transactions private.

Claims are denied by phone notification, and not via email or US mail.

In most situations, these types of “discount plans” cost you more in premiums than the actual coverage you are about to receive. The “negotiated discounts are often available to you without paying for this type of plan. And if you qualify for standard Ohio medical insurance, the benefits will far outweigh the “discount plan” benefits and you’ll likely pay less too! And just as importantly, federal subsidies (if you qualify) do not apply to these types of policies.

Government Agencies Help

The Federal Trade Commission (FTC) is constantly monitoring questionable companies that attempt to defraud the consumer through deceptive and unfair business practices. They continuously provide information to the public and manage a secure online database that is utilized by criminal and civil enforcement agencies in the US. If you would like to contact the FTC, we’ll provide current contact information.

We only represent the reputable major medical insurance companies. No “discount plans” are ever used. In fact, currently, we do not use “limited benefit” plans in our quote engine software. Our rates and plan information are updated daily to ensure your information is accurate and reliable. When you click on the “get Instant Quote” button, you will only view options from the top Ohio health insurers.

Affordable Ohio Family Health Insurance Plans Comparison

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Affordable Ohio family health insurance coverage is available. As the state’s trusted authority for affordable medical insurance coverage, we review hundreds of policies offered on and off the Marketplace.  In less than a minute, you can view the lowest rates offered by UnitedHealthcare, Anthem Blue Cross, Aetna, Medical Mutual, Humana, SummaCare, Ambetter, Molina, and many other companies. If you have a spouse or dependents, they can easily be added to a customized comprehensive plan that covers office visits, ER, Urgent Care, and prescriptions.

Our free online quotes can be viewed at any time, so you can 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. Whether you qualify for a large federal subsidy, or prefer non-Obamacare plans, the comparison and enrollment process is simplified through our website.

You never pay a fee on this website, and our 36 years of expert advice will guide you through the application process. If you are Medicaid or Medicare-eligible, you will be offered different options.

Typical Family Plan Benefits

“Affordable Care Act” Legislation allows 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. Many generic medications are available for less than $8 at large retail chains such as Walmart, Target and Sams Club.

Budget Comprehensive Plans

Popular medical plans in Ohio are “Budget” plans, which are available from most carriers. These types of plans feature premiums that are generally 20%-40% less than other standard comprehensive plans. But there are some coverage limitations.

For instance, covered office visits typically have higher copays. Instead of the typical $20-$40 out-of-pocket cost (see above), the copay may be as much as $50 or higher. Specialist visits may feature copays of $70-$100, or a the policy deductible may apply. Although the rate will be attractive, these types of options will not be cost-effective if you have conditions or illnesses that require constant specialized treatment.

And while generic prescriptions are routinely covered, the non-generic (brand name) prescription coverage may be not be offered with just a copay. Coinsurance and/or a deductible may be required. Also, out of pocket expenses on major medical claims will tend to be higher with coinsurance sometimes at 30% or more. But the substantial savings is often worth the benefits you are losing.

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 speak to us live.