Affordable Ohio Health Insurance Plans

If your Ohio employer does not offer you medical insurance benefits, than an individual healthcare plan is your best choice. We show you the most popular private policies that allow you to select the coverages you want at the least expensive prices. If you are a resident of the state and are either not currently covered, or simply wish to lower your rates, we can help. Many major carriers offer a wide selection of plans in most areas of the Buckeye State. Some of the most popular individual policies are “Value” plans (catastrophic-tier level). They provide respectable major medical coverage for catastrophic and hospital needs. However,  private rates are kept low by reducing the number of covered office visits and limiting coverage for non-generic prescriptions. Preventative benefits are fully covered on these types of policies. For example, once the policy is approved, there would be no waiting period to schedule a routine annual physical, child well-check visit or a qualified OBGYN visit. You must be aware of an”Open Enrollment” period when applying for your own coverage. If the policy does not guarantee acceptance, you can apply for coverage at any time. An approval can be granted from a day to a few weeks, depending on the type of benefits you are purchasing. We help you determine the exact policies you should be applying for and what companies are your best choices. If...

So you can’t get health insurance in Ohio? And you have been denied by three companies. Well…you do have some options. And we are not referring to limited benefit or discount plans that are very vague in what benefits they provide and which carrier you are dealing with. You actually can purchase quality coverage from a reputable insurer, through HIPAA, Open Enrollment or an underwritten policy. Comprehensive benefits from reputable carriers are available. As a result of HIPAA (The Health Insurance Portability & Accountability Act), four Ohio health insurance policies are available through Anthem. Contracts range from basic catastrophic to comprehensive major medical coverage. The basic “CMM” plans will often offer lower premiums, but feature lower benefits. The “HIC” options are generally more expensive and include additional coverages such as prescription copays and unlimited lifetime benefits. Pre-existing conditions are generally included and the policy can be treated as short-term or long-term coverage. Each policy is issued by Anthem Blue Cross and uses the the large Anthem network for doctors and hospitals. You also may view a brochure that explains the specific details. And we provide the simple application so you can enroll for coverage. The process only takes about 20-30 minutes.   In 2014, a State Exchange will be created when it becomes the law that you must...

Health care reform is one of the Ohio’s most contentious issues. President Obama wants government-sponsored health care, hoping costs will reduce. Insurers and doctors are concerned that patients will have fewer choices under Obama’s plan. Drug companies fear that quality of our health care will reduce. Consumers don’t want to be forced to buy plans they don’t want, and especially don’t want to see substantial rate increases. Sometimes it’s hard to determine the difference between myth and fact. One common myth is that Ohio consumers overwhelmingly want to see the current health care system changed. But that’s not true since recent polls indicate roughly half of the state residents, and the US population, want to maintain the current system. While the current way is not perfect, perhaps it should be tweaked instead of overhauled. For example, HSAs are very popular and most employer-provided plans are partially-paid by the business owners. Major medical plans help healthy persons reduce their cost of coverage while high-risk pools provide a guaranteed option for persons with major medical issues. Liz Peek wrote a very interesting article about Obama’s five “Health Care Myths.” I don’t necessarily agree with all of her assertions, but there are some very valid points she raises. If you’re concerned about Ohio health care, you’ll be interested in reading this article. You can...

Assurant Ohio health insurance plans previously could be purchased in all areas of the state. Not only were major medical policies available, but fixed-benefit and supplemental contracts were offered, which were often not available through other carriers. Based in Wisconsin, they were publicly traded and also provided small businesses with affordable options. Underwriting decisions were quick, and the carrier provided excellent service to customers. Do you notice how all of the references to Assurant are in the past tense? The reason is that in the summer of 2015, Assurant announced it was exiting the health insurance marketplace, and would no longer offer singe, family, or group coverage. Any remaining and active lines of business would be sold to National General Insurance Company. The new company focus was changed to housing and lifestyle specialty protection. The remainder of this article pertains to previously-offered coverage. One important consideration is their rates. In most parts of the Keystone State, their prices are higher than other carriers. For example, the monthly cost for comprehensive coverage (husband/wife ages 45 with two children) is $624, compared to UnitedHealthcare’s rate of $389. Aetna’s premium is $479 and Anthem’s  is $503. Assurant’s “MaxPlan” was compared to the most similar policy from the other carriers. Current costs will actually be higher...

Ohio Governor Ted Strickland is facing a massive budget shortfall of more than $3 billion. Filling that hole is not an easy task and many good programs may have to be cut back or eliminated. Some of the programs (other than dental coverage) at risk include preschool learning, community health centers and mental health facilities, which are frequently utilized. The state’s poor could lose their dental insurance along with vision coverage and other types of care. However, administration officials say they plan to continue these services by temporarily using unspecified funds. Eventually, Strickland hopes the state will win a court case that will release $258 million of tobacco settlement money. If that does not occur, additional severe cutbacks could be coming in various sectors.Lower-income households tend to be impacted the most. If you need comprehensive dental coverage instead of a “discount” type of plan, many companies are available, including Anthem, Medical Mutual, and UnitedHealthCare. Please contact us (see top of page) for a free quote. Humana also offers very favorable prices, and several smaller carriers offer additional options. Preventative benefits are often covered at 100%, although waiting periods are typically applied to major procedures, such as a root canal. Affordable Ohio dental insurance plans are available, regardless if the state cuts aid. A wide...

So you need to buy an Ohio health insurance plan. You want an affordable high quality policy and want to make sure you are getting the best deal. And it is also important that you are working with licensed experts that can provide guidance and expertise with no obligation or cost. Congratulations! Somehow, you have made it to the right place. We feature company-direct rates and make it very simple to apply for coverage  through our website. We can help you pick the right plan or you can compare costs and benefits on your own. Whether you know exactly what type of benefits you need or are relying on our assistance, we assure you that the best deals are here. Each year, prices and options change, so it is important to annually review your existing plan. Shopping For Plans When you are shopping for plans, it’s important to establish a budget, and also have a clear understanding of the type of coverage you want. If you have small children, of course well-baby visits and immunizations may be high on your list of priorities. Is it important to have mental illness or visits to a chiropractor covered? If not, why pay a higher deductible or copay on these items may be very cost-effective. For Seniors, a High-Deductible Plan F plan may be an attractive option if you are very healthy and submit few claims. Conversely, if you are primarily concerned with protecting your assets by...