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 adequately covering large hospital and ER bills, then obviously, you will need a different type of policy. We help you avoid the mistakes that many people make when purchasing a policy, and also help you understand the total benefits and costs of the plans you are considering. The more knowledgeable you are about your benefits, the easier it becomes to pick the best options.
We carefully compare hundreds (Yes, we really look at that many) of different options from the most highly-rated carriers. Some of these companies include Medical Mutual, Anthem Blue Cross (Wellpoint), Golden Rule (UnitedHealthcare), Aetna and Humana. This includes health, dental, vision, and disability plans that are offered.
Typically, lower-rated companies, and carriers that only offer out-of-state benefits are not reviewed or recommended by our staff. Also, property and casualty products are also not considered. And we make it easy to shop each company. For instance we have a single page devoted to the best Anthem BC rates. Aetna, Geisinger, and most other companies also receive comprehensive coverage on their carrier-specific page.
We rate each policy for the out-of-pocket costs you are likely to incur, how cost-effective the plan will be, based on your claims history, and the projected stability of the premium. Naturally, if the average annual rate increase is 20%, we will not recommend that plan. We customize our research so you are truly getting the best deal.
The Human Factor
But perhaps the most important element in the process is the human factor. The content on this website and all of the information you are provided, is generated by live persons, who live here in Ohio and have been licensed brokers since 1980. Yes, that is indeed a long time! We believe that a combination of our human interaction (phone, email, in person or whatever!) and superior technology always outperforms a random E-website that provides rates, plan descriptions and high-turnover employees that are reading from a script.
Of course we utilize the most advanced software to provide all of the specific policy details and live instant quotes. But when you are communicating with us, either by phone, email or in person, that’s where you notice the difference most. You’ll quickly understand the level of experience and understanding we have and how easily we can help you understand how copays, deductibles and network discounts affect your rates.
Quite simply, we earned our consumer-website top-ranking by helping consumers in a professional manner without bias. If there is a better solution for you through your employer or a professional association, we’ll know about it and direct you there. If your medical history won’t allow you to qualify for a preferred rating, we’ll work to find the best choice and help you determine which features are the most important.
When an Ohio Health Exchange offers policies to residents of our state, our Agency will be a resource that explains the process of applying for coverage. It is expected that the Department Of Health And Human Resources will help create the “Exchange” that will perhaps help individuals and families buy affordable health care. Since it is possible that it will be very consumer unfriendly, our website will take you step by step through the process.
The first step to securing the best deals for your medical coverage in Ohio is finding the right broker and website. Now that you have already done that, please take the time to read about different policies and glance at the live quotes you provide. We’ll be standing by if you need any help.