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Preventive Service Changes For Ohio Health Insurance Plans

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If you purchase an Ohio health insurance plan on after September 22nd (2010), many preventive services will have to be covered  without being subject to a copay or deductible (when these services are completed by a network provider. This change is part of the new health care reform. Of course, rates are expected to modestly increase.

The list of services is listed below. We anticipate that the list of benefits will increase each year, including several additions for women and children. Please contact us if you have any questions or would like any additional information regarding covered medical conditions on single, family, and group plans.

Covered Preventive Services for Adults

  • Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
  • Alcohol Misuse screening and counseling
  • Aspirin use for men and women of certain ages
  • Blood Pressure screening for all adults
  • Cholesterol screening for adults of certain ages or at higher risk
  • Colorectal Cancer screening for adults over 50
  • Depression screening for adults
  • Type 2 Diabetes screening for adults with high blood pressure
  • Diet counseling for adults at higher risk for chronic disease
  • HIV screening for all adults at higher risk
  • Immunization vaccines for adults–doses, recommended ages, and recommended populations vary:
    • Hepatitis A
    • Hepatitis B
    • Herpes Zoster
    • Human Papillomavirus
    • Influenza
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Tetanus, Diphtheria, Pertussis
    • Varicella
  • Obesity screening and counseling for all adults
  • Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
  • Tobacco Use screening for all adults and cessation interventions for tobacco users
  • Syphilis screening for all adults at higher risk

Covered Preventive Services for Women, Including Pregnant Women

  • Anemia screening on a routine basis for pregnant women
  • Bacteria urinary tract or other infection screening for pregnant women
  • BRCA counseling about genetic testing for women at higher risk
  • Breast Cancer Mammography screenings every 1 to 2 years for women over 40
  • Breast Cancer Chemo-prevention counseling for women at higher risk
  • Breast Feeding interventions to support and promote breast feeding
  • Cervical Cancer screening for sexually active women
  • Chlamydia Infection screening for younger women and other women at higher risk
  • Folic Acid supplements for women who may become pregnant
  • Gonorrhea screening for all women at higher risk
  • Hepatitis B screening for pregnant women at their first prenatal visit
  • Osteoporosis screening for women over age 60 depending on risk factors
  • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
  • Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
  • Syphilis screening for all pregnant women or other women at increased risk

Covered Preventive Services for Children

  • Alcohol and Drug Use assessments for adolescents
  • Autism screening for children at 18 and 24 months
  • Behavioral assessments for children of all ages
  • Cervical Dysplasia screening for sexually active females
  • Congenital Hypothyroidism screening for newborns
  • Developmental screening for children under age 3, and surveillance throughout childhood
  • Dyslipidemia screening for children at higher risk of lipid disorders
  • Fluoride Chemoprevention supplements for children without fluoride in their water source
  • Gonorrhea preventive medication for the eyes of all newborns
  • Hearing screening for all newborns
  • Height, Weight and Body Mass Index measurements for children
  • Hematocrit or Hemoglobin screening for children
  • Hemoglobinopathies or sickle cell screening for newborns
  • HIV screening for adolescents at higher risk
  • Immunizationvaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
    • Diphtheria, Tetanus, Pertussis
    • Haemophilus influenzae type b
    • Hepatitis A
    • Hepatitis B
    • Human Papillomavirus
    • Inactivated Poliovirus
    • Influenza
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Rotavirus
    • Varicella
  • Iron supplements for children ages 6 to 12 months at risk for anemia
  • Lead screening for children at risk of exposure
  • Medical History for all children throughout development
  • Obesity screening and counseling
  • Oral Health risk assessment for young children
  • Phenylketonuria (PKU) screening for this genetic disorder in newborns
  • Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
  • Tuberculin testing for children at higher risk of tuberculosis
  • Vision screening for all children

Ohio Pre-Existing Condition Health Insurance – How To Apply For A Policy

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The Ohio Pre-existing condition health insurance plan is available. This temporary health insurance program (“high risk pool”) is designed to offer affordable medical benefits  until 2014 when the Exchanges may be available. If you have been declined or turned down, it is a great option to consider. Applications will be accepted, and Medical Mutual will operate the plan through the  Department of Insurance. You can visit the MM website to apply for coverage. The entire process takes about 20 minutes, and can be completed online.

Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. There are two plan choices. One has a $1,500 deductible and the other less expensive option has a $2,500 deductible. Pre-existing conditions will be covered without a waiting period. However, there are several prerequisites that you should be aware of.

How To Qualify

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 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. If a policy was active during this time period, unfortunately, the applicant will become ineligible for coverage.

The  program will be available until 2014 when national health reform takes effect. Many experts feel  insurance rates could substantially increase at that time, since any person could obtain coverage regardless of their medical 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, although this will increase every year. However, if “Open Enrollment” periods are established and enforced, the chances of success will increase.

Healthy Persons Should Not Apply

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  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.

We provide affordable Ohio health insurance plans and offer the lowest premiums charged by each company. You can also call and speak to a live person by calling us. If/when an Exchange is offered here in our state, this website will still guide you through the application process.

Why Should You Use A Health Insurance Broker?

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Need help with finding affordable healthcare in Ohio? It’s available! An insurance broker works for you and not the carrier.  A broker researches, reviews and studies hundreds of  insurance quotes to provide you with the most affordable plans that match your budget. Whether you qualify for a federal subsidy, don’t have current coverage, or are a Senior shopping for Medigap plans, free expert guidance is offered.

Since rates are mandated, a specific website or agent can not offer prices lower than a broker or the insurer itself. However,  since we are one of the few resources that offer 37 years of experience, and free 24/7 online quoting, customers and prospects can view customized plans that are created to help lower out-of-pocket expenses. We specialize in individual and family  medical coverage, and take the time to find the plans that offer the coverage you need, and meet your specific budget.

Enroll Online, By Phone, Or Through Email

One of the advantages of utilizing our resources is that we combine the simple automation of online buying with live help (if you need it). We’re not located overseas. We live in the state, just like you. Comparing policies can be very complex and confusing since what’s best for you might be completely different than another person’s choices. We’ll help you make an informed and unbiased choice so you pay the least and get the most for your hard-earned money!

Dramatic changes in coverage have made a  broker’s role increasingly important in the process of explaining state and federal reform changes and their effect on your rates and coverage. 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 benefits and rate where you want them. Presidential election results must also be considered when planning your future medical benefits.

Exchange Plans

Newly established “Exchange” websites may be up and running in 2014. Although you will still use this website for buying your coverage, the availability of plans will change, and presumably premiums will also change.  If enrolling in an Exchange lowers your premium, we’ll provide direct links and walk you through the process.

We understand that it is very confusing and frustrating to buy 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 charges 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 specific carrier. That is…we’ll research many plans from many different companies, not just a few plans from one company.

Online  health insurance quotes are available from many websites other than ours. However, there is a good chance that another website will be operated outside the Buckeye State, and also may not have licensed and registered brokers. That’s why tens of thousands of Ohioans have visited our website. They know they will receive unbiased up-to-date information without any cost or obligation.

Central Ohio Individual Medical Health Insurance Plans

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Central Ohio individual healthcare insurance plans are very affordable. Rates in the Columbus area and a 50-mile radius around Columbus are often the lowest premiums available in the Buckeye State. Maybe there’s something in the water! A typical visit to the Ohio State University Hospital emergency room will not cost as much as a similar visit in either Cleveland or Cincinnati. Regardless if you need small business group coverage for employees, or a low-cost plan for your family, we can help.

Affordable benefits are available whether you are married, unmarried, 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” section at the top of the page. You can  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.

Counties In The Area

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. Many additional riders are available including dental and vision. Medical Mutual “Wellness” plans are also very economical options in this part of the state. Aetna and Humana have a few plans that are budget-friendly, especially for single persons.

Although individual HMOs are not available, there are many “low deductible” policies that drastically reduce your portion of a large medical bill. However, these types of policies are much more expensive and may actually cost you quite a bit of extra money in premiums over many years. PPO policies are offered by all of the reputable insurers, and because of the demographics of this part of the state, plenty of  “in-network” facilities are within driving distance.

HSA Options

Ohio Health Savings Policies (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 while receiving tax benefits. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. You can also choose the financial institution that administers the savings portion, and randomly make deposits into the account.

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 or Cinergy Health,  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,  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.

Legislative Reform Update For 2010

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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

Health Care Reform Will Impact Southern Ohio

Small Business Group Joins Health Reform Lawsuit

 

UPDATES:

April  2012. Of course, most of you know that the Supreme Court has heard arguments and is determining the legality  of forcing consumers to purchase health care coverage. A decision should be made within the next 90 days. If the mandate is ruled unconstitutional, the future of the entire “Affordable Care Act” will be in jeopardy. We’ll try to keep you updated. -Ed

August  2012. The mandate is constitutional! So get ready for the Exchanges in 2014. Our website will continue to provide up to date rates and online applications.

January 2017 – The future of Obamacare is murky. President Trump will be tweaking, replacing, or repealing the ACA Legislation. We expect significant changes will be proposed within six months, and by 2019, most of these changes will be effective.