Affordable Ohio Health Insurance Plans

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Central Ohio Individual Medical Health Insurance Plans

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”...

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Legislative Reform Update For 2010

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.

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Individual Medical Mutual Ohio Health Insurance Plans

Medical Mutual Of Ohio has introduced two new plans. The “Elite” and “Premium” copay plans are now available to Buckeye State residents. We offer Medical Mutual policies to families, individuals, and small businesses. We help you determine which plan will cover the benefits that are most important to you. You can apply direct, through an online link, or we can assist you when you enroll for coverage (you never pay any fees). The “Elite” and “Premium”  plans offer copay coverage (not subject to a deductible) for office visits, specialist visits and Urgent Care visits. Routine physical exams, Well-Child services and Well-Child exams are also not subject to a deductible. Prescription benefits are included, and there is no lifetime cap on claims that are paid for covered benefits. This plan compares quite favorably to UnitedHealthOne’s Copay Select and Anthem’s Premier policies. Rates depend on county of residence, age, tobacco use, and existing medical conditions. Popular Plan For Families With Children These types of policies are very popular in households that have at least two small children. Because you are most likely to have multiple non-preventive office visits, it’s important to pay a low amount for these charges. However, for households that have very few medical expenses, a catastrophic or HSA plan may be a better choice. Medical Mutual, Anthem and UnitedHealthcare...

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Rising Health Insurance Premiums In Ohio Hurting Families

Rising health insurance premiums in Ohio are a concern for most consumers that pay for their own medical coverage. As higher rates are starting to take their toll, many residents of the state are looking for options that will reduce prices, while maintaining existing benefits. But, affordable policies are available, and specific steps can be taken to reduce costs. Many of these recommendations  can be implemented immediately. We help you find and compare many low-cost plans that are rich in coverage, and may substantially reduce the amount you pay. If you don’t currently have  insurance, some of these plans are great “starter” policies that will keep your premiums low.  Increasing prices will continue, but here are a few steps you can take now: If you have been with the same  insurance company for more than two years and you have no significant medical issues, it may be time to compare quotes from different companies. Remember…the quotes are always free and you do not have to accept an offer that is made to you. However, with annual Open Enrollments, you can shop, compare (and change) policies every year, if it’s cost-effective. Note: When terminating coverage and signing up with a different carrier, always verify your providers are “in-network.” Raise your major medical deductible. For example, by raising your deductible from $500 to $2,500, you could save $1,000 for an...

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Ohio Health Savings Accounts (HSA) 2010 Contribution Limits

Ohio Health Savings Accounts have a new contribution limit for 2010. The annual contribution limits have been increased to $3,050 for individual HSA coverage and $6,150 for family  coverage. The 2010 minimum annual deductible is $1,200 for individual HSA coverage and $2,500 for family  coverage.     Guidelines and Changes from 2009 to 2010 Type of Coverage Rule 2009 2010 Individual Maximum contribution $3000 $3050   Minimum deductible $1150 $1200   Out-of-Packet maximum $5800 $5950 Family Maximum contribution $5950 $6150   Minimum deductible $2300 $2400   Out-of-Pocket Maximum $11,600 $11,900   A Health Savings Account (HSA) is an affordable option to traditional medical coverage that offers Ohio residents an alternative method to pay for their health care. HSAs enable you to pay for current medical, dental, and vision expenses, and save for future qualified medical expenses on a tax-free basis. Most major companies offer them. The most competitive rates are offered by Anthem Blue Cross, Medical Mutual, Aetna, UnitedHealthOne and Humana. Several smaller carriers offer policies, although their prices are not as competitive. You must be covered under a High Deductible Health Plan (HDHP) to qualify to make a contribution. An HDHP is an inexpensive  policy that costs substantially less than a traditional plan, and offers you the opportunity to deposit the money you save into the...

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Ohio State Continuation Of Health Coverage Benefits – COBRA Information

Ohio COBRA health insurance coverage is available to qualified residents of the state who have lost their medical benefits from their employer. Children and  spouses are also eligible and would receive the same benefits as the primary recipient. However, the business must have at least 20 employees. Under certain conditions, if your employer has less than 20 employees, you may be able to purchase a policy for six months under the state continuation law. But there is no obligation to accept your offer, and often, during Open Enrollment, alternative options are less expensive. Typically, you’ll receive notification in writing and you’ll have approximately 60 days to secure other benefits or accept COBRA rates, which can be quite costly. This is because you are paying the full premium that your employer was charged for your medical benefits. There may also be a small administrative charge with slightly raises the cost. However, you do not have to “apply” for coverage and no medical questions are asked. Pre-existing conditions will be covered in their entirety, although deductibles, copays, and coinsurance may apply. It’s A Federal Law! COBRA (Federal Consolidated Omnibus Reconciliation Act) is a federal law that allows employees that leave their jobs to continue and maintain their former employee’s health insurance coverage for 18 months. Normally, employees are required to pay...

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Best Healthcare In Hamilton County, Ohio – Affordable Cincinnati Plans

Low cost individual Hamilton County (Ohio) health insurance plans can be viewed and purchased online. We help you find the most competitive rates for the most popular policies. Many single and family policies offered by the major Cincinnati area insurers, such as Ambetter (Buckeye Health Plan), Anthem Blue Cross Blue Shield, CareSource, Humana, Medical Mutual, and Molina. Typically, southwestern Ohio prices are among the lowest available in the Buckeye State. Additional companies provide coverage for Medicare-eligible Seniors. Medicare Supplement, Advantage, and Part D drug prescription plans are offered by many companies that don’t participate in the Under-65 Marketplace. Several of the larger carriers include AARP (UnitedHealthcare), Aetna, MediGold, Gateway, Cigna, Mutual Of Omaha, USAA, United American, and Gerber. When purchasing Ohio health care coverage , it is extremely important to work with an experienced broker located in the area. Many online websites are not familiar with Cincinnati  plans because they are not located in Ohio. Also, it is likely that many of the out-of-state websites will request financial information (we do not). And unless you enjoy irritating phone calls and emails, it may not be a pleasant experience. We are located just North of Kings Island, so we closely watch and monitor rates and specific details that may be changing. Cincinnati Health...

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Anthem Ohio Health Insurance Rates Could Double

Anthem Ohio health insurance rates could double…or even quadruple if  overhaul legislation is passed, according to a recent Wall Street Journal article. Wellpoint Inc., the nation’s largest health insurer and parent company of Anthem ( View details here) published a report that said Buckeye State  rates would more than double for average individuals and nearly QUADRUPLE for younger healthier people. Wellpoint also said  that 70% of small businesses would also pay higher prices if the new proposed legislation is enacted. Wellpoint derived its data from 14 states (including Ohio) that have Blue Cross plans and studied the impact of the main changes under consideration. They said rates  would increase for individuals of average age and health, with younger customers seeing the largest increases. The study did consider Senior Medicare products for persons that have reached age 65. Currently, Ohio prices are among the lowest in the country. The Cincinnati, Dayton and Columbus areas enjoy some of the lowest rates in the state. But current  reform proposals threaten to substantially increase rates, and possibly force  residents to purchase coverage they don’t want (if the “public option” is included in legislation). For example, maternity benefits are generally not needed for persons that have reached age 50. However, maternity and several other benefits may be required on future...

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