There are many low cost Ohio health insurance plans that have premiums 15%-40% lower than the typical standard plan. Coverages are often quite rich and the underwriting criteria is identical to all other plans.

Generally, the major differences between the most expensive plans and the “low cost” plans are the out of pocket expenses on major claims and the number of allowed office visits per year. Also, non-generic prescriptions may be limited or not covered under the low cost plans.

For example, the current monthly rate for a 40-year old male in Warren County is between $90 and $120 per month. Unlimited office visits and comprehensive prescription coverage is common on these types of policies.

But if price is the top priority, here are five low-cost Ohio health insurance options:

$50  Aetna’s  Preventative and Hospital Care plan. Limited office visit coverage with good preventative features

$60  Aetna’s PPO Value 5000 plan. Limited office visit coverage with some prescription coverage included.

$68  Anthem’s  Blue Access Value plan. Limited office visit coverage with some prescription coverage included.

$69  UnitedHealthCare’s Copay Select plan. Unlimited office visit coverage with comprehensive prescription coverage. $7500 deductible on major items.

$78  Aetna’s PPO 5000 plan. Unlimited office visit coverage with comprehensive prescription coverage.

All of these options are low cost Ohio health insurance plans issued by major reputable companies. There are never any application or enrollment fees and physicals are rarely required.

To instantly view and compare different plans, please click on the “Get Instant Quote” button at the top of the page.

Cinergy Health seems to do as much advertising these days as Billy Mays. No, they don’t pitch OxiClean or Mighty Putty, but Cinergy does heavily market their medical plans.

Are they worth it? In most cases…No! In fact, unless you thoroughly read the fine print of your policy, you may be in for a jolt!

Available Cinergy Plans

Cinergy offers two types of plans. “Cinergy Health Signature” is their discount health plan and “Cinergy Health Preferred” is their insurance plan. Both plans offer far less coverage than a conventional Ohio health insurance policy from a major insurer…such as Blue Cross, Aetna or UnitedHealthCare.

“Cinergy Health Signature” is NOT a health insurance policy. It may help you reduce some of your healthcare costs, but not necessarily a significant amount. Coverage benefits are very vague and the premium for a single person is almost $1000 per year. And, the plans are actually provided by Patriot Health Florida, who requires you to PAY FOR ALL HEALTHCARE SERVICES in advance. Later, you may receive a discount on some of those expenses.

“Cinergy Health Preferred 500” is considered an insurance plan, but coverages are limited and descriptions of these coverages are fairly vague on their website. For example, this plan only covers ONE emergency room visit per year. Only ONE preventative visit per year is allowed. Daily hospital confinement charges are also limited to $500 per day and 30 days per year.

The Cost

If you can qualify for an Ohio Health Insurance Plan from a major carrier, then don’t waste your time with Cinergy. If you are uninsurable, then you may want to consider a plan…but read the policy in its entirety. Cinergy will only consider refund requests in writing and will not refund the application fee.

Affordable Ohio health insurance is available. To instantly viewand compare high quality Ohio health plans, please click on the “Get Instant Quote” button at the top of this page. You can get comprehensive coverage without breaking the bank.

Tough choice. If you’re an Ohio resident and health insurance coverage is one of your key concerns, there are many factors to consider.

Obama’s plan would have the government take a stronger role in reducing the number of uninsured Americans.

McCain’s proposal would tax workers for the value of their employer-provided health plan, at the same time giving tax credits of $2,500 to single people and of $5,000 to families. The idea is for the employees to use the money to buy individual health insurance plans.

 A Female Perspective

Speaking from the Ladies’ Gallery in the Ohio Statehouse, Nikki Rigano, a worker at the New Albany Kroger and member of UFCW Local 1059, had this to say about Senator McCain’s health care proposals:

“Senator McCain’s plan to establish a brand new ‘health tax’ would be irresponsible during the best of times, but during an economic crisis it threatens the well-being of middle-class families everywhere. Instead of creating new taxes, he should be helping hard-working Americans keep the tools they need to stay healthy. Putting affordable, quality health coverage out of reach for more than 900,000 Ohioans is simply not an acceptable option.”

I don’t accept Rigano’s notion, and in fact believe McCain’s plan will help more Ohioans with their health insurance than Obama’s plan. 

More than 1.2 million Ohioans currently have no health insurance and one million more are under-insured. These figures are hardly surprising, considering Ohio health insurance premiums have risen more than 250% since 2000.  According to a recent report by the Center for American Progress, a middle-class Ohio family could expect to pay an extra $900 in McCain’s “health tax” by 2013, and 920,000 would lose coverage altogether under his plan.

However, the nonpartisan Factcheck.org has said this assertion is false. Factcheck.org is a project of the Annenberg Public Policy Center of the University of Pennsylvania. Its mission is to monitor the validity of political advertising and rhetoric so that voters will be able to make a more informed choice at the polls.

 False Claims

“The Obama-Biden ad falsely claims McCain says he wants to “do the same to our health care” that “Wall Street deregulation” has done to the banking industry,” Factcheck.org said in its analysis.

According to them, the ad takes a phrase out of context from an article Sen. McCain wrote in the September/October issue of “Contingencies,” a journal of the American Academy of Actuaries.

The full quote provides the context. What Sen. McCain is talking about is permitting people to buy health insurance across state lines – a practice currently not permitted.

Sen. McCain wrote, “I would also allow individuals to choose to purchase health insurance across state lines, when they can find more affordable and attractive products elsewhere … Opening up the health insurance market to more vigorous nationwide competition, as we have done over the last decade in banking, would provide more choices of innovative products less burdened by the worst excesses of state-based regulation. Consumer-friendly insurance policies will be more available and affordable.”

  Buying Insurance Across State Lines 

  Sen. McCain’s proposal echos what insurance industry analysts have been saying for years. Currently, the residents of each state can only buy insurance from companies operating in that state. Industry analysts say that benefits mandated by legislators, which have little to do with consumers, drive up costs.

For example, families in New Jersey, which mandates more benefits than Pennsylvania, such as infertility, a family plan can cost $1,652 per month, while a family can buy a plan in Pennsylvania for $707 per month. Critics point out 60-year-olds have little need for infertility benefits.

For your personalized Ohio health insurance quote, visit http://www.ohioquotes.com or email eharris@ohioquotes.com 

Comprehensive coverage. Catastrophic coverage.  If you’re a consumer shopping for individual or family health insurance, rates are perhaps the most important factor. But policy coverages are a key component, and ultimately, often determine which company is chosen.

To help you identify some of the differences in coverage, I have provided a list of some of the most common Ohio health insurance plans, and what type of coverage they offer. The list is not all-inclusive.

Comprehensive Plans

Anthem Blue Access Plan 2

Aetna PPO

UnitedHealthCare Copay Select

UnitedHealthCare MedOnePlus

UnitedHealthCare Plan 100

Medical Mutual SuperMed One Standard

Celtic Preferred Select

Humana Portrait

Catastrophic Plans

UnitedHealthCare Saver80

UnitedHealthCare HSA Saver

Combination Plans (Catastrophic with some office visit or RX coverage)

Anthem Blue Access Value

Anthem Blue Access Economy

Aetna PPO Value

Aetna P&H Care

UnitedHealthCare Saver

Medical Mutual SuperMedOne Value

Humana Autograph

Celtic Basic

For more specific rates and information and an instant Ohio health insurance quote, please visit http://www.ohioquotes.com or http://www.majormedicalhealth.com