Low Cost Ohio Health Insurance Plans

Original post from: Ohio Health Insurance Quotes

Low cost Ohio health insurance plans are available. And you don’t have to sacrifice all of your coverages when you purchase a plan. Some of the most affordable low cost Ohio health insurance plans are described below:

Catastrophic Low Cost Plans

Saver 80 plan from UnitedHealthOne. Catastrophic plan is one of the least expensive plans offered in Ohio. Major medical coverage with many optional deductibles.

Preventative And Hospital Care 3000 plan from Aetna. Catastrophic plan also includes preventative coverage that is not subject to the deductible.

Semi-Comprehensive Low Cost Plans

Value plan from Anthem. Competitively-priced policy allows two office visits per person per year along with limited prescription coverage. Wide range of available deductibles.

Copay Saver plan from UnitedHealthOne. Very similar to Anthem’s value plan, although rates are generally higher in most Ohio counties.

PPO Value plan from Aetna. Another low cost Ohio plan that allows two office visits. Additional office visits are subject to a deductible. Very good preventative coverage included.

Comprehensive Low Cost Plans

Copay Select from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with good preventative benefits (subject to 90-day waiting period).

Premier plan from Anthem. This policy was introduced in early 2009. Very flexible contract with many available riders. Solid coverage although fairly expensive when comparing to other similar plans.

PPO Copay plan from Aetna. Truly a “low cost plan,”…this policy always seems to be one of the more affordable options in this class. Great preventative coverage and wide range of available deductibles.

There are other low cost Ohio health care options. I have tried to focus on the plans that seem to have the most affordable rate in most parts of the state.

To instantly view, compare and apply for high quality Ohio health plans, please click on the “Get Instant Quote” button at the top of the page.

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Low Cost Ohio Health Insurance Plans

Original post from: Ohio Health Insurance Quotes

There are many low cost Ohio health insurance plans that have premiums 15%-40% less 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.

UPDATE May 2011-  It’s hard to believe that I wrote that article 3 1/2 years ago. Time does fly! Many of the plans mentioned in this article have changed or are no longer available. For example, Anthem’s Value plan is not offered.  But there are still many affordable plans that are rich in coverage.

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