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Anthem Ohio BCBS Health Savings Accounts – High-Deductible Plans

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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.

An Ohio Anthem HSA Will Save You Money

Unlike most Ohio medical plans, the Lumenos features just one family deductible, regardless of how many family members are on the policy. Once the deductible is met, 100% of all covered medical expenses are paid without any co-insurance. The lifetime maximum has been eliminated so you will never run out of coverage.

Just about anybody can set up this type of plan, although you can not be eligible for Medicare or listed as a dependent on another policy. We’ll help you understand the benefits, apply for coverage and set up the “savings” portion (although that is optional).

Also covered is adult and child preventive care coverage that is not subject to the deductible or waiting period. Routine office visits (subject to the deductible) receive “Network Repricing” which reduces out-of-pocket expenses by approximately 10%-25%. Lab test and X-ray costs are often discounted by as much as 50%-80%. Even MRIs receive discounts that are often more than $1,000.  Staying inside the network is important since you’ll pay much less you might expect.

Additional included coverages, that are sometimes not found in other plans, include home health care, skilled nursing and physical, occupational and speech therapy. A 24/7 NurseLine and members-only discounts on healthy lifestyle services are also provided for all Ohio Anthem policyholders. An additional benefit is that the network extends to other states so you can continue to utilize coverage. We can provide specific information regarding availability of physicians, specialists and hospitals. Or, you can request a list of providers, which we will forward to you.

We proudly represent Anthem and provide the lowest published rates they offer. Please keep in mind that rates from each company (such as Medical Mutual and UnitedHealthcare) are different in all areas of the state. So it is possible that we may recommend additional companies that have more competitive offers in your area. We’ll always give you a fair an unbiased opinion that is best suited for your circumstances.

Which Ohio Health Insurance Companies Are In The Marketplace?

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There are many Ohio health insurance companies that offer individual and family coverage to consumers . Anthem Blue Cross, UnitedHealthCare, Medical Mutual, and Aetna are the four largest carriers. But there are numerous other reputable carriers that offer Marketplace medical coverage on the Exchange. And you don’t have to answer any medical questions and you can’t be turned down because of pre-existing conditions.

However, although Medical Mutual and Anthem will be active participants “on” the Marketplace,” UnitedHealthcare (Golden Rule) and Aetna will only offer policies “away” from the Exchange. That is, they will offer plans that may not contain all 10 “essential health benefits” that Exchange plans have. Of course, the price may be quite a bit less than the other options.

CareSource and HealthSpan are two carriers that will be offering policies to consumers. Molina  and Ambetter will also offer coverage in certain areas. Ambetter (Buckeye Community Health Plan) will offer vision and adult dental options which should be reasonably priced.

The names of the policies have evolved and changed over the last 10 years. “Saver” and “Limited” descriptions are rarely used any more since there are now a myriad of required benefits that must be included on every plan sold on the Exchange.

To help you select the most affordable plan, a comprehensive list of the major providers is shown below:

Anthem Blue Cross is the largest Ohio health insurance company, providing coverage to almost one out of every four insureds. A wide variety of plans are available, including “Blue Access Plan 2,” Anthem’s most comprehensive policy. The “Value” plans offer substantial discounts in exchange for limitations of office visit and prescription coverage. Of course, these plan names, as previously mentioned, will change.

UPDATE: In March of 2009, Anthem introduced three new  plans. The “Premier” plan is a comprehensive policy featuring lower out-of-pocket costs. The “SmartSense” plan is a comprehensive plan with some limitations in benefits. And the “Lumenos HSA” plan ha some new features.

Medical Mutual of Ohio (MMO) is one of the oldest carriers. Recently, they expanded their plan portfolio to include some lower-cost plans. Their smoker rates are very competitive, and MMO’s Health Savings Account (HSA) policies (Wellness plans) feature some of the best rates in the state. Their 0% coinsurance plan is very popular. More Medical Mutual information can be found here.

UnitedHealthCare (UHC) offers a broad range of polices at extremely competitive rates. After purchasing Golden Rule Insurance company a few years ago, UHC’s market share substantially increased. Rates are based on zip codes, as opposed to the more common county-rating system. At the very high BMI (Body Mass Index) ratings, UnitedHealthcare is not as forgiving as most other companies. One of UHC’s strong points is their large portfolio of options including multiple coinsurance and copay choices.

Celtic has excellent temporary plans that are typically the lowest (or close to the lowest) cost. Their “Basic” plan has limited coverage but is very low-priced. However, in 2013, they announced they were downsizing their portfolio and would be concentrating on Medicaid-supplement policies.

Kaiser offers medical coverage to residents of Northern Ohio. Residents in the Columbus, Dayton and Cincinnati areas will not be able to obtain a policy since they are not in the service area. Catholic Health Systems (CHS) purchased Kaiser’s  business in the Buckeye state in 2013 and will utilize the Healthspan Integrated Care network of providers. CHS also purchased the Summacare business in the state.

Humana is not always the lowest-cost option, but offers comprehensive plans with solid coverages. They are one of the few companies to offer maternity coverage, and have a very popular policy They limit the number of covered doctor visits but the rate is attractive.(Autograph Share 80 plan) that allows six office visits and is competitively priced. Their “short-term” rates are excellent and you’ll see them featured on our website.

Aetna began offering individual plans in 2005. Since that time, they have added many new plans, including the low-cost “Preventative and Hospital Care” policy. Overall, Aetna’s prices are extremely competitive. Their “Value” plans have become more popular in recent years.

They will not be participating in the Marketplace or Open Enrollment in 2014. However, they will offer “off-Exchange” policies that may be popular to persons that don’t qualify for the federal subsidy from Obamacare.

Time (formerly Fortis) Company, offers more policy options than almost every other carrier. But, unfortunately, their rates in Ohio are extremely uncompetitive, and they also receive an unusually high number of consumer complaints.

UPDATE: May 2011. Time (also known as “Assurant”) has reduced the number of consumer complaints. They are the only carrier in the state that offers “child only” policies, although after 2013, all carriers will offer that type of plan. Assurant will be very active in the non-Exchange market.

UPDATE: October 4th 2013. Additional options will be available on the State Marketplace ,including Molina, Coventry (HealthAmerica), Medical Health and CareSource Management Group. Aetna and UnitedHealthcare will offer plans that are not officially on the Exchange.

Online Ohio Healthcare Quotes

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Did you really go online and request an Ohio healthcare Exchange quote? Well…let me guess what happened. You received 26 phone calls the first day, and about 15 calls every day for two weeks. If you went on multiple websites, you may still be getting calls!

You're the eighth Ohio health insurance broker to call me!

Eight different brokers called you. Two were from Ohio, two from Florida, two from Texas and a gentleman from Nigeria offered to share his lottery winnings with you if you bought a health insurance policy from him.

Maddening isn’t it? It might be too late, but I have created a Top-10 list of “Do’s and Don’ts” when going online and requesting an Ohio health insurance quote.

Here they are:

10. If any broker asks for your credit card number, checking account number, or attempts to charge you an application fee…run away!

9. If any broker insists they are calling from Ohio, but your caller ID indicates otherwise…run away!

8. If any broker says that you better “lock in the rate” since the premium is going up the next day…run away!

7. If any broker is unwilling or unable to send you a hard-copy proposal in the mail…run away!

6. If any broker insinuates that only they can offer you the lowest available rate…run away!

5. If any broker thinks the Ohio State Buckeyes are a band from the 1980s…run away!

4. If any broker quotes rates from a company you never heard of…run away!

3. If any broker tells you they can’t email the proposal, and they need to show you in person… run away!

2. If any broker tells you that you don’t have to pay the first monthly premium since you won the Nigerian lottery…then run away!

1. And finally…If any broker tells you that you have to pay your premiums in Euros…run away!

Buying affordable healthcare in Ohio really isn’t difficult any more. The Obamacare subsidy will help reduce premiums for many households. If you don’t meet the requirements for the subsidy, you can consider a  policy that is purchased without Marketplace financial help. We are happy to explain the details to you.

What Anthem BCBS Healthcare Plans Are Available In Ohio?

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Anthem Blue Cross Blue Shield (BCBS) Ohio health insurance plans provide quality benefits with pre-existing  conditions covered. Your rate is affordable, and Marketplace policies are eligible for financial assistance in the form of instant tax credits.

Coverage for single persons or families under the age of 65 are classified as “ACA-Compliant” plans and are issued “on” or “off” the Exchange. Anyone eligible for Medicare can enroll in a Medigap (Medicare Supplement) or Advantage plan. Open Enrollment periods may apply to persons under and over the age of 65, although Special Enrollment Periods are available.

Listed below are all available policies offered here in the Buckeye State for 2015 and 2016 effective dates. Full plan descriptions and pricing is immediately provided with quote requests. Additional information for the Cheapest Anthem Ohio Plans is found on our regular website (not blog). We updated policy plans and prices on a regular basis.

 

Catastrophic Plans

 

Catastrophic Pathway X PPO 6600 0 – $40 copay for Primary Care Physician (pcp) office visits. $6,600 deductible.

 

Bronze Plans

 

Bronze Pathway X PPO 0 For HSA – $6,000 deductible and eligible for HSA contracts.

Bronze Pathway X PPO 5000 30 – $5,000 deductible with 30% coinsurance.

Bronze Pathway X PPO 6400 20 – $6,400 deductible with copays on generic and brand prescriptions.

Bronze Pathway X PPO 4300 20 – Lower deductible but same $6,600 maximum out-of-pocket expenses.

Bronze Pathway X PPO 5550 20 –  $5,550 deductible with 20% coinsurance and copays on generic and brand prescriptions.

Find Anthem BC Ohio Rates

Anthem Ohio Silver-Tier Plans Offer Cost-Sharing Deductible Reductions

 

Silver Plans

 

Silver Pathway X PPO 3500 25 – $3,500 deductible with $20 pcp copay. Also $10 copay for generic drugs.

Silver Pathway X PPO 3000 10 – $3,000 deductible with $40 copay on pcp visits.

Silver Pathway X PPO 10 for HSA – $2,500 deductible with 10% coinsurance. Fully HSA-eligible.

Silver Pathway X PPO 2000 20 – $2,000 deductible with copays (only) on generic and brand prescriptions.

Silver Pathway X PPO 3500 0 – $3,500 deductible with $45 copay on pcp visits.

Silver Pathway X PPO 2000 15 – Similar to Silver Pathway X PPO 2000 20 only 15% coinsurance higher out-of-pocket maximum.

Silver Pathway X PPO 2500 10 – $2,500 deductible with $30 copay on pcp visits.

 

Gold Plans

 

Gold Pathway X PPO 1250 10 – Low $1,250 deductible with $30 pcp copay.

 

UPDATES

May 2015 – 2016 Anthem Ohio individual rates have no been published yet. We expect to see increases of approximately 5%-15%, although specific plans may see higher increases. There also could be some policy design changes, especially in the Bronze and Silver tiers. Within the next three months, more specific information should become available. Open Enrollment begins on November 1st and continues through the end of January.

Also, the recent data breach seems to be under control. Anthem has taken steps to ensure it does not happen again ans has offered two years of free identity protection to anyone who was affected.