Every year, The Ohio Department of Insurance (ODI) publishes complaint ratio data after receiving premium information for the previous year from Ohio health insurance companies.

In 2007, the ODI received 2826 complaints about health insurance from Ohio consumers. When a complaint is received, Ohio insurers must respond in a timely manner. Each complaint is documented, investigated and resolved.

If a company’s Ohio complaint ratio is 1.0, it had one complaint for every $1 million in written premium. Therefore, the lower the complaint ratio, the better.

Some of the Ohio health insurers with the lowest complaint ratios are:

.08  Anthem

.11  United HeathCare

.13  Medical Mutual

.14  Aetna

Ohio health insurers with higher complaint ratios are:

.67  Nationwide

.47  United American

.31  Time (Assurant)

The complete listing of Ohio Complaint Ratios can be found here.

Ohio health insurance companies divide all drugs into categories (tiers) based on cost and use. “Generic” drugs are the least expensive while “Specialty” drugs are the most expensive.

Humana provides an informative video that explains the differences in each tier of drugs. Whether you take multiple prescriptions, or you have no current medical conditions, please take a moment to view the video.

If you need any additional information regarding the impact of prescriptions on Ohio health insurance coverage, please feel free to call us at (888) 513 6446. You may also receive an instant Ohio health insurance quote by clicking on the “Get Instant Quote” button at the top of the page.

Ohioquotes.com is the premier resource for Ohio Health Insurance coverage. 

United HealthCare of Ohio (UHC) offers more than 100 different health insurance policy variations. For a single person, monthly rates can range from $30 to $500 per month. It’s important to insure the items you are most likely to use. Of course, you don’t want to pay high premiums for coverages you didn’t use.

To help you decide which United HealthCare of Ohio policy is the best fit for you, always keep this UHC plan guide handy:

High Deductible Plans

It is your responsibility to pay for any routine health care expenses until your deductible is met. Once you meet your deductible, covered health care costs are paid by the policy. Generally, your deductible is higher than most other Ohio health insurance plans. But premiums on this type of United HealthCare of Ohio policy are usually fairly low.

Plans To Consider: “Saver 80” and “Plan 80”

Traditional Copay Plans

Copay plans offer similar features and benefits as traditional employer-sponsored plans. United HealthCare of Ohio offers many plans that feature a set fee for office visits and preventative visits. Normally, 100% of your exam and history costs are covered after the deductible. Drug prescription card benefits are often included. Lifetime maximum limits are $3 million with an option to increase to $5 million.

Plans To Consider: “Copay Select” and “Copay Saver”

Health Savings Accounts (HSAs)

United HealthCare of Ohio offers HSAs with many deductible and coverage options. HSAs combine a high-deductible, lower-cost health insurance plan with an optional tax-favored side account.

With an HSA, you may deposit money that you have saved on premiums into your tax-sheltered account. These savings can subsequently be used to pay your qualified health care expenses. You may also use your savings to pay for approved dental and vision expenses.

Plans To Consider: “HSA 100” and “HSA 70”

Short-Term Medical Plans

If your health insurance need is six months or less, than a United HealthCare of Ohio short-term policy might be appropriate. Periods of coverage range from one to six months and policies are usually approved within 48 hours. If you are unemployed or between jobs, this type of coverage is often your best option.

Plans To Consider: “Short Term Medical”

For instant United HealthCare Ohio health insurance quotes, please click on the “Get Instant Quote” button at the top of the page.