Affordable Ohio family health insurance coverage is available. As the state’s trusted authority for affordable medical insurance coverage, we review hundreds of policies offered on and off the Marketplace. In less than a minute, you can view the lowest rates offered by UnitedHealthcare, Anthem Blue Cross, Aetna, Medical Mutual, Humana, SummaCare, Ambetter, Molina, and many other companies. If you have a spouse or dependents, they can easily be added to a customized comprehensive plan that covers office visits, ER, Urgent Care, and prescriptions.
Our free online quotes can be viewed at any time, so you can quickly research and evaluate which plans meet your budget needs, and provide the coverage you want. Short term, catastrophic, Comprehensive and HSA plans are included, so you are easily able to determine the most affordable option. Whether you qualify for a large federal subsidy, or prefer non-Obamacare plans, the comparison and enrollment process is simplified through our website.
You never pay a fee on this website, and our 36 years of expert advice will guide you through the application process. If you are Medicaid or Medicare-eligible, you will be offered different options.
Typical Family Plan Benefits
“Affordable Care Act” Legislation allows health insurers to provide preventive benefits to most family plans with no waiting period or deductible. Some of these benefits include mammograms, colonoscopies, immunizations, cancer screenings, well-baby and well-child visits until age 21, routine adult physicals, flu and pneumonia shots, and various routine vaccines.
Typically, Ohio family health insurance policies include copays for most office visits and prescriptions. When a policy has a copay, your out-of-pocket expense is usually limited to $20-$40, depending on the company. Usage of specialists and non-generic drugs may increase the amount of money that you spend. Of course, generic prescriptions will cost substantially less than a non-generic drug. Many generic medications are available for less than $8 at large retail chains such as Walmart, Target and Sams Club.
Budget Comprehensive Plans
Popular medical plans in Ohio are “Budget” plans, which are available from most carriers. These types of plans feature premiums that are generally 20%-40% less than other standard comprehensive plans. But there are some coverage limitations.
For instance, covered office visits typically have higher copays. Instead of the typical $20-$40 out-of-pocket cost (see above), the copay may be as much as $50 or higher. Specialist visits may feature copays of $70-$100, or a the policy deductible may apply. Although the rate will be attractive, these types of options will not be cost-effective if you have conditions or illnesses that require constant specialized treatment.
And while generic prescriptions are routinely covered, the non-generic (brand name) prescription coverage may be not be offered with just a copay. Coinsurance and/or a deductible may be required. Also, out of pocket expenses on major medical claims will tend to be higher with coinsurance sometimes at 30% or more. But the substantial savings is often worth the benefits you are losing.
Rates in Ohio are quite affordable and we’ll help you find the plan that best matches your specific situation. To instantly view, compare or apply for affordable Ohio family health care, please click on the “Get Instant Quote” button at the top of the page. You can also speak to us live.