Affordable Ohio Health Insurance Plans

The MOST expensive Ohio health insurance plans? Now wait a minute! Buckeye State residents don’t care about expensive plans. You want me to do what I do best…find the most affordable coverage. Right? Of course! Well…today I’m going to deviate a bit. I spend 20 hours per day (OK…it seems that long) quoting, preaching, researching and writing about the cheapest available plans.  Almost all of this blog’s content deals with saving you, the consumer, money. Whether it’s short term coverage, a policy you keep quite a while, comprehensive benefits, or a cheap catastrophic option, we know all of the details. Today is different. I have researched hundreds of plans from the major companies in an effort to find the ten most expensive Ohio individual policies. These plans are terrific policies, with rich coverage, and low out-of-pocket expenses. But…they are very expensive. OK. Here they are: 1. Humana Portrait Share 80 Plus RX Unlimited $1,000 Deductible 2.Celtic Preferred Managed Indemnity Plan $1,000 Deductible 3. UnitedHealthOne Copay Select 0% Coinsurance $500 Deductible 4. Med Mutual SuperMed One Standard 500 with Office visit and RX $500 deductible 5.Anthem Premier 80% BuyUp RX $250 Deductible 6.Anthem Premier 80% BuyUp RX $500 Deductible 7.Aetna First Dollar PPO 30 No Deductible 8.Celtic Preferred Managed Indemnity Plan $500 Deductible 9.Humana Portrait Share 80 Plus RX...

The Anthem Blue Cross Blue Shield Health Savings Account (HSA) is an affordable Ohio medical insurance plan that can reduce your costs and provide comprehensive benefits for yourself and your family. The current available policies are  innovative options that help you manage your expenses, reduce your taxes, take advantage of network repricing, and take control of your health care. When compared with other comprehensive plans, it offers flexibility, competitive rates and lower out-of-pocket costs that make it an Ohio policy that should always be considered. The  “high deductible health plan” (HDHP) is the insurance portion of the policy, while the savings account allows you to pay for current expenses, and deposit funds for future qualified medical expenses on a tax-free basis.  You may also leave funds in the account to be used at a later date.  Many approved financial institutions (Banks are the most popular) can set up the “savings account” portion. Interest is typically paid on the “fixed” portion of the money. Additional equity options are sometimes offered, although additional financial risk is taken. Additional HSA information can be found here. Note: Any person that qualifies as a dependent on a federal tax return, is not eligible. Policies that are considered HDHP, and meet all necessary requirements are: Bronze Pathway PPO 0%, Bronze Pathway HMO 0%, Silver Pathway...

The Buckeye State offers many medical insurance plans that are budget-friendly, and accepted by most Ohio physicians, specialists, and hospitals. Group, private, Senior, student, and short-term coverage is available in all parts of the state. However, the number of available companies has been reducing for persons under age 65 that are not eligible for Medicaid or early Medicare. Anthem BCBS, Aetna, Humana, Premier, and UnitedHealthcare will not offer ACA-compliant coverage in 2018. Your health insurance quote is just seconds away! Instantly, you will be able to see prices from all carriers and the plans they offer. And don’t worry. We don’t need your phone number.  We only consider high-quality health insurers, and we also filter out several companies that are not rated “A” by A.M. Best Company or have had consumer complaint issues. Lowest Available Rates Our quoted rates are the lowest you’ll find from any licensed broker or authorized website. We’re located just North of Cincinnati and will help you find affordable medical plans at prices that simply can’t be beat. Like most states, premiums are regulated by the Department Of Insurance. We utilize “direct” pricing and update prices and benefit changes daily. Typically, there are no “enrollment” or “application” fees for qualified plans. However, “short-term” plans often charge a one-time fee of approximately $15-$25.  ...

Mega Life and Health Insurance Company has hundreds of Ohio policyholders. Many of their customers have purchased  coverage through membership in the National Association for the Self- Employed (NASE). They also sell supplemental products to individuals and the self-employed and have been offering policies for more than 20 years. Is Mega Life deceptive and do they use unfair practices to promote their policies? Well…in Massachusetts, apparently they do. As a result of the state’s legal action, Mega Life has agreed to pay more than $17 million in penalties, other costs and consumer relief. And more importantly, while Mega Life can still conduct business here in Ohio, they are no longer permitted to sell health plans in Massachusetts for five years. And eventually, they must pull completely out of the market. In addition to Mega Life’s problems in Massachusetts, in May, A.M. Best Company downgraded the credit rating of HealthMarkets Inc., the parent company of Mega Life. The rating downgrade primarily reflected a continued decline in revenue premium and increased financial leverage. Lower agent sales, the US economic condition and competitor pressure hurt premium revenue in 2008. Ofcourse, that was more than five years ago. Their current supplemental coverage focuses more on specific needs and illnesses, such as cancer, specific accidents, disability expenses and vision...

High deductible Ohio health insurance plans are growing in popularity. And why not? The rate is affordable (often half the cost of a typical policy), preventative coverage is provided at 100%, and there is NO out-of-pocket expenses after the deductible has been met on 0% coinsurance plans. Qualified expenses can be tax-deducted, and you don’t have to “use it or lose it.” So, what are you waiting for? What is a High Deducible” Plan? A “High Deductible” health insurance plan is a policy with substantially lower premiums that has a higher deductible for major items, such as hospital stays, inpatient or outpatient surgeries and emergency-room expenses. Routine physicals, mammograms and OB/GYN visits are typically covered at 100%. And prescriptions are usually discounted without having to meet the deductible. An individual or family with very few medical expenses will often benefit by having this type of coverage. Several carriers offer these types of plans, and the network of physicians, specialists, and hospitals is the same that is used for conventional comprehensive plans. If you only need coverage for less than one year, an alternative contract may be the ideal choice to purchase. You can easily apply online, pay monthly, and cancel at any time. Of course, if you need benefits for a longer period of time, you can simply maintain your existing coverage, or select a different...

Affordable term life insurance plans are available with guaranteed rates. Large and small amounts of coverage can be purchased at historically-low rates. Most policies do not require a  physical, and plans can often include spouse and dependent coverage. Our sister site, Ohioterminsurance.com offers the lowest prices available in the US. We research all of the major “A” rated  companies and allow you to instantly view and compare multiple plans. This type of policy is often utilized when you need a high amount of coverage, and keeping premiums low is a priority. Business and “Key-Person” options are typically offered, and the customer can terminate the policy at any time without paying a penalty. Converting Your Policy To A Permanent Plan Many companies allow you to “convert” to a different form of coverage without having to answer medical questions. Although converting may lower your long-term costs, it may not be the correct solution for you. We help you determine if a conversion is your best option, and which carrier provides the best contract for your unique situation. Since a permanent  policy (whole life, variable life, and universal life) will accumulate cash value, your premium can easily double or triple, with little flexibility the first few years. Also, although some of the cash value may be guaranteed (whole life policy), interest rates and investment rates of...

“Which health insurance plan do you have?” That is the question I’m asked about every few weeks. And I certainly understand why clients want to know. I can choose any plan with any Ohio carrier. And there are a lot of great choices here in Ohio. Anthem. UnitedHealthcare (they market Golden Rule plans). Aetna. And don’t forget Medical Mutual, which is a non-profit company, and features very competitive pricing. Well…here’s our situation. I’m 54, my wife is 39 (I thought she’s 51, but she claims she’s 39) and we have two children (both teenagers). Fortunately, we are a very healthy family with no existing conditions or ongoing medications. We live in Springboro, which is located between Dayton and Cincinnati. Most of the carriers offer a wide variety of plans with several deductible and copay options.   The perfect fit for us is the Anthem Lumenos Health Savings Account (HSA). An HSA works best when family members are not being treated with many (or any) office visits or prescriptions, and insuring against the catastrophic loss is the most important objective. Preventative coverage (Routine annual physicals, OBGYN visits, mammograms and pap tests) are not subject to our $6,000 family deductible. Also, with an Ohio HSA, covered out of pocket expenses that we pay (such as non-preventative office visits) receive a “negotiated discount” since Anthem enjoys exceptional leverage in...

Health insurance costs for Hamilton County and Cincinnati residents continue to remain low. While many other areas of the country have experienced sharp rate increases, prices in Hamilton County and the surrounding areas have remained very affordable. Private medical coverage is easy to apply for, and both single and family policies are available. Along with private policy options, large employers in the area (General Electric, Proctor And Gamble, Kroger, and the University of Cincinnati). We specialize in finding the most reliable medical plans at the absolute lowest available cost. We work directly with all of the top-rated companies so you can be assured of always comparing the top plans for the type of benefits you need. Regardless if you reside in Hamilton County, or nearby Clermont, Warren, or Butler County, several low-cost options are typically available. The  Southwestern portion of the state also features large provider networks. Low-Cost Cincinnati Health Plans For example, cheap high-deductible catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area costs approximately $150-$200 per month. Molina, Medical Mutual, and Ambetter offer the most competitive rates. Comprehensive coverage costs approximately $230-$490 per month. CareSource also offers private individual coverage. Rates in Northern Ohio, for similar coverage, are...