Low Cost Individual Cincinnati Health Insurance Plans

Original post from: Ohio Health Insurance Quotes

Low cost individual Cincinnati (Ohio) health insurance plans can be viewed and purchased from the premier resource for affordable Ohio health plans… Ohioquotes.com. Rates are guaranteed to be the lowest allowable by the state, and affordable plans are offered by the major Cincinnati area insurers, such as Anthem Blue Cross, UnitedHealthOne, Medical Mutual, Aetna and Humana.

When purchasing Ohio Individual health insurance plans, it is extremely important to work with an experienced broker located in the area. Many online health insurance websites are not familiar with Cincinnati health plans because they are not located in Ohio. Also, it is likely that many of the out-of-state websites will sell your information to other brokers across the country. And unless you enjoy irritating phone calls and emails, it may not be a pleasant experience.

Cincinnati individual health insurance plans are quite affordable when compared with other parts of the state. Anthem’s comprehensive plans (Premier, SmartSense and Value) are usually very competitively priced, if you feel office visit and prescriptions coverages are important to have. UnitedHealthone’s “Copay Select” individual plan offers comprehensive coverages at extremely attractive rates.

Ohio individual health insurance rates substantially reduce when you consider plans that limit the number of covered office visits and the type of covered prescriptions. Aetna’s “Preventative & Hospital Care” and UnitedHealthOne’s “Copay Saver” plans limit office and prescription coverage, but offer a low cost alternative to higher-priced Cincinnati health coverage. Catastrophic plans (UnitedHealthOne’s Saver 80 plan) are very popular in the Cincinnati area to those that are concerned only with major medical expenses.

Low cost individual Health Savings Accounts (HSAs) have also grown in popularity in recent years. An HSA provides the opportunity to tax-deduct a portion of your medical expenses, and also provide 100% coverage after a deductible has been met. Perhaps the best low cost HSAs for the Cincinnati area are the Anthem Lumenos and Medical Mutual’s SuperMed One Wellness plans. Preventative benefits are paid without having to meet the deductible and rates are much lower than conventional plans.

Low cost individual Ohio health insurance plans are available in the Cincinnati area and most parts of the state. Ohioquotes.com is the premier resource for affordable Ohio health care and is based in Springboro. For a no-cost estimate or additional information, please call (888) 513 6446 or visit ohioquotes.com. You may also instantly view your options by clicking on the “Get Instant Quote” button at the top of the page.

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Cincinnati Health Insurance Rates

Original post from: Ohio Health Insurance Quotes

Affordable Cincinnati health insurance insurance plans cost less than most comparable plans offered in nearby states like Indiana, Kentucky and Pennsylvania. Traditionally, medical rates in Southwestern Ohio have also always been low compared to other parts of the state.

For example, catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area would cost approximately $130-$150 per month. United HealthCare and Aetna would offer the most competitive rates. Comprehensive coverage would cost approximately $180-$250 per month. Medical Mutual, along with a few other carriers would offer very attractive options. Rates in Northern Ohio, for similar coverage, would be approximately 10%-15% higher.

Many factors can affect rates, such as medical history, smoking status and height/weight. If prior credible coverage has been in effect for more than 12- 18 months, some health insurance companies will cover pre-existing conditions, if accepted by underwriting. Most of the major companies that offer competitive rates in the Cincinnati area, also offer similar rates in surrounding counties, such as Warren, Butler, Clermont and Montgomery.

Perhaps one the most overlooked factors that is used in determining your rate is your zip code. For example, the 452 zip code features extremely attractive rates from Medical Mutual, especially their Health Savings Accounts. Oddly, in the 451 zip code, UnitedHealthcare’s rates become quite high compared to their normal rates in the surrounding area. Part of our service is to make sure you know which carriers are the best choice for your needs.

We’re located just North of Cincinnati and monitor local rates very closely. With more than three decades of experience (my, time flies!) we are the region’s premier expert authority on identifying policies that meet your quality standards and also are easy on your pocketbook. You can call us for a quote or use the “Quote” section in the top part of the page. Don’t worry. Your information is secure and is not shared like many other websites.

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Ohio Health Insurance News June 2008

Original post from: Ohio Health Insurance Quotes

From the Cleveland Plain Dealer:

“The survey of state-level enforcement found Ohio doesn”t require insurers to sell coverage to everyone who applies for it or prohibit higher premiums based on health status, like states including New York, Massachusetts and Vermont.

However, Ohio regulators review some rate and premium increases before insurers can charge them, and the state has an external review program where consumers can appeal denials, the study said.

A spokesman for the Ohio Department of Insurance said Thursday that no one was available to discuss the study”s findings.
A December 2007 study on individual health insurance by the trade-industry group America”s Health Insurance Plans, found that 89 percent of applicants are offered coverage, and that Ohio”s average premium is $2,498 for an individual and $5,303 for a family.

My take: It”s not such a bad thing that Ohio”s health insurers can charge higher rates to those applicants that are in poor health. Otherwise, rates would dramatically increase for EVERYONE…especially those in good health. Remember…Ohio has an “Open Enrollment” for persons that may not qualify for individual coverage.
From The Dayton Daily News:

“When Ohioans don”t buy their health insurance through employers or other groups, they usually don”t have very good insurance.

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Ohio Health Insurance News

Original post from: Ohio Health Insurance Quotes

An Anthem Blue Cross Blue Shield subsidiary has signed a consent order with the Ohio Department of Insurance agreeing that its online provider directory for mental health providers in Hamilton County is inaccurate and therefore misleading to consumers.

According to a news release, the Department of Insurance investigated a complaint that the Community Insurance Co. was misrepresenting its provider network by identifying providers as “in network” when the providers were unreachable, not in the company”s network or in the network, but not accepting new patients.

UnitedHealthcare”s contract with OhioHealth — the parent company of hospitals such as Grant Medical Center and Doctors, Dublin Methodist and Riverside Methodist — expires June 9, and negotiations are coming down to the wire, 10TV”s Lindsey Seavert reported.

The insurer informed customers recently that unless a new contract is signed soon, they may have to change doctors and hospitals to remain in UnitedHealthcare”s network.

UnitedHealthcare has more than 280,000 members in central Ohio.

Jeff Oster, DPM has created Myfootshop.com which offers help on foot and ankle problems in articles and discussion forums by experts and patients with similar problems.

It”s expensive to get sick. Co-pays and deductibles are up. Fewer and fewer services are considered covered services by your insurance company. Or even worse, you have no health insurance at all. With or without health insurance, it seems that any time you are sick, you still pay your own way.

A recent study found that between 2001 and 2005, health insurance premiums in Ohio rose by 34 percent to an average of $10,662, up from $7,944. The national average for growth was nearly 30 percent.

The study, by the Robert Wood Johnson Foundation and the State Health Access Data Center, also reported that about 8,000 Ohio companies stopped providing health coverage during that time, affecting more than 515,000 workers.

For additional Ohio health insurance information, please visit Ohioquotes.com

UPDATE: 9-17-10. Obviously, this was a very old blog post. I hate to delete old stories, so I”ll leave it alone. -Ed

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