Ohio health insurance is big business. Unfortunately, sometimes it turns out to be monkey business.

When you go online and request an Ohio health insurance quote, you’re likely to be contacted…no…make that BOMBARDED, with calls and emails from across the US. And while the vast majority of persons who contact you are honest professionals, you may be contacted by a con artist looking to make a fast buck.

These Ohio health insurance scams operate in every state and are stealing millions of dollars from innocent victims. And sometimes, you don’t find out until your medical bills go unpaid.

However…there are some warning signs that can help you avoid a scam:

·        The plan appears to be similar to insurance, but the representative used words such as “benefits” and “coverage” instead of “insurance.”

·        You are asked to pay an expensive “application fee” or “association fee” in addition to the premium.

·        The company has no local offices and you have never heard of them.

·        The rep explaining the plan tells you that the policy must be purchased immediately or the rate will go up the next day.

·        The plan you are applying for accepts all applicants. Serious medical conditions do not affect the rate.

·        The rate appears to be substantially lower than other “Name-brand” plans and coverages appear to be higher.

·        The rep tells you they don’t have any materials to send in the mail until after you pay the initial fee.

Of course…as the old saying goes…If it sounds too good to be true…it probably is.

Ohioquotes.com, Ohio’s premier resource for Ohio health insurance plans, never uses any type of “discount plan” or any insurer not rated “A” by A.M. Best Company. To instantly view, compare and apply for high quality health coverage, please click on the “Get Instant Quote” button at the top of the page.

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.

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. 

A $170 billion federal bailout is the only thing keeping insurance heavyweight AIG afloat. And many other companies are losing millions of dollars every quarter. Insurance companies invest heavily in the stock market and real-estate market…which have generated massive losses in the last 12 months.

But…don’t worry. Your policy is quite safe! The Ohio Life and Health Insurance Guaranty Association was created to protect policyholders, up to specific limits, against financial failure of an insurance company licensed to sell those types of policies in Ohio.

You can read more about this Association here.

A few additional points to consider:

·        Health Maintenance Organizations (HMOs) are not included

·        Policies sold by insurers not licensed to do business in Ohio are not included.

·        The Guarantee Association can provide this coverage because it collects money, through assessments from Ohio insurance companies.

·        The Ohio Department of Insurance regulates the Association.

When purchasing an Ohio health insurance policy, make certain the carrier is an “A” rated company and licensed to do business in Ohio. If you have any questions regarding Ohio health insurance quotes or any Ohio health company, please feel free to contact us at service@ohioquotes.com

Evidently, you know where to buy your Ohio health insurance, because you’re here! Ohioquotes.com is the premier source for Ohio health insurance plans. If you don’t currently have insurance, or you’re looking for a more affordable policy, you have come to the right place.  But there are hundreds…perhaps thousands of websites that will provide rates.

So…what makes this website so special? Let’s start with the plans that are presented to you. Only quality Ohio health insurance companies are considered. You know…the reputable ones, such as Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual and Humana. You’ll never find any type of “discount plan” or any company that I wouldn’t use for my own coverage.

Comparing different Ohio health care plans can be very confusing. But we try to simplify the process for you. Side-by-side comparisons allow you to select the coverages that you need and choose an affordable plan. And if you apply for coverage, you’ll get plenty of help. Your short application can be completed online, via fax or by mail. And a live person is generally available to assist you.

Just as importantly, when you are requesting an Ohio health insurance quote, do you want six out-of-state brokers incessantly calling you and possibly recommending the wrong plans? Of course not. Many online quote websites are simply selling your information to anyone that will pay for it. This site? We never release your information to anyone. And nobody will ever ask for your checking account or credit card number.

But what about the rates? Are they truly the lowest available Ohio health insurance rates? You betcha! And that’s a guarantee. Ohio health care rates are regulated by the Department of Insurance. So, you won’t find a lower premium. And we’ll take the extra time to make sure the plan you purchase is the right fit. You’ll be able to use the coverages that are important to you, and avoid paying for items that you don’t need and would never use.

Finally…and perhaps, most importantly…Ohioquotes.com is based in Ohio and managed by a real live person! Ed Harris, a 1980 Miami University graduate, owns and operates the site. He resides in Springboro with his wife (a Pittsburgh native) and two children. Ed has been a health insurance broker since graduation, and personally answers all of your emails. He loves tennis and golf and enjoys discussing International politics. In fact, every 10 years, he bowls. And much to his wife’s disappointment, he takes his laptop on vacations, so he can answer all of those emails!