Affordable Ohio Health Insurance Plans

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Posts Tagged ‘Ohio Health Insurance Quotes’

Are There Any Good Healthcare Plans In Ohio? How Much Do They Cost?

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The Buckeye State offers many medical insurance plans that are budget-friendly, and accepted by most Ohio physicians, specialists, and hospitals. Group, private, Senior, student, and short-term coverage is available in all parts of the state. However, the number of available companies has been reducing for persons under age 65 that are not eligible for Medicaid or early Medicare. Anthem BCBS, Aetna, Humana, Premier, and UnitedHealthcare will not offer ACA-compliant coverage in 2018.

Your health insurance quote is just seconds away! Instantly, you will be able to see prices from all carriers and the plans they offer. And don’t worry. We don’t need your phone number.  We only consider high-quality health insurers, and we also filter out several companies that are not rated “A” by A.M. Best Company or have had consumer complaint issues.

Lowest Available Rates

Our quoted rates are the lowest you’ll find from any licensed broker or authorized website. We’re located just North of Cincinnati and will help you find affordable medical plans at prices that simply can’t be beat. Like most states, premiums are regulated by the Department Of Insurance. We utilize “direct” pricing and update prices and benefit changes daily. Typically, there are no “enrollment” or “application” fees for qualified plans. However, “short-term” plans often charge a one-time fee of approximately $15-$25.

Ohio Health Insurance Online Quote

Dozens of out-of-state websites can be found online. But many of these sites recommend outdated and unpopular plans that often are not the best option. And these websites may not be able to accurately explain the differences between Ohio plans that appear similar, but are actually quite different. With more than 35 years of insurance experience, we’ll locate the policies that help you the most, but cost the least.

When we prepare your report, all of the different types of plans will be presented to you. Comprehensive plans. Catastrophic plans. And Health Savings Accounts (HSAs). Also…your quote is always personalized to insure you’re getting the coverage you need. For example, if there are small children in the household, immunizations and well-checkups will be emphasized, although all qualified plans provide 100% coverage for preventive benefits.

Senior Medigap Options For Applicants That Have Reached Age 65

Medicare Supplement contracts are standardized, which means that, benefits for the same types of policies (A, B, C, etc…) can not vary from one carrier to another. For example, all plans (A, B, C, D, F, G, K, L, M, and N) cover Part A coinsurance and hospital expenses for 365 days after Medicare benefits end. Plans C and F cover the Part D Deductible. And Plans F and G cover Part B excess charges.

This standardization helps consumers compare plans, since prices, and not benefits, are the main differences. Medicare Advantage plans, and Part D prescription drug plans, however, are not standardized, so properly comparing features is more challenging. Also, not all Advantage contracts include prescription benefits.

Less-Expensive Under-65 Major Medical Plans

If you prefer a major medical policy that features low rates, we’ll pick plans that remove the coverage that you don’t need, and shouldn’t pay for. If you only need benefits for a few months, there are plans specifically designed for that purpose.And of course, you can terminate your policy at any time with a phone call, email or hard-copy letter.

Our state-of-the-art quoting process allows you to instantly view and compare prices. We also make the application process easy, and of course, never share your information. To view your quotes, we have provided boxes at the top of this page that will simply and streamline the process.

Where To Get The Best Ohio Health Insurance Deals

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So you need to buy an Ohio health insurance plan. You want an affordable high quality policy and want to make sure you are getting the best deal. And it is also important that you are working with licensed experts that can provide guidance and expertise with no obligation or cost.

Congratulations! Somehow, you have made it to the right place. We feature company-direct rates and make it very simple to apply for coverage  through our website. We can help you pick the right plan or you can compare costs and benefits on your own. Whether you know exactly what type of benefits you need or are relying on our assistance, we assure you that the best deals are here. Each year, prices and options change, so it is important to annually review your existing plan.

Shopping For Plans

When you are shopping for plans, it’s important to establish a budget, and also have a clear understanding of the type of coverage you want. If you have small children, of course well-baby visits and immunizations may be high on your list of priorities. Is it important to have mental illness or visits to a chiropractor covered? If not, why pay a higher deductible or copay on these items may be very cost-effective. For Seniors, a High-Deductible Plan F plan may be an attractive option if you are very healthy and submit few claims.

Conversely, if you are primarily concerned with protecting your assets by adequately covering  large hospital and ER bills, then obviously, you will need a different type of policy. We help you avoid the mistakes that many people make when purchasing a policy, and also help you understand the total benefits and costs of the plans you are considering. The more knowledgeable you are about your benefits, the easier it becomes to pick the best options.

Ohio health insurance tips

We Will Save You Money!

We carefully compare hundreds (Yes, we really look at that many) of different options from the most highly-rated carriers. Some of these companies include Medical Mutual, Anthem Blue Cross (Wellpoint), Golden Rule (UnitedHealthcare), Aetna and Humana. This includes health, dental, vision, and disability plans that are offered.

Typically, lower-rated companies, and carriers that only offer out-of-state benefits are not reviewed or recommended by our staff.  Also, property and casualty products are also not considered. And we make it easy to shop each company. For instance we have a single page devoted to the best Anthem BC rates. Aetna, Geisinger, and most other companies also receive comprehensive coverage on their carrier-specific page.

We rate each policy for the out-of-pocket costs you are likely to incur, how cost-effective the plan will be, based on your claims history, and the projected stability of the premium. Naturally, if the average annual rate increase is 20%, we will not recommend that plan. We customize our research so you are truly getting the best deal.

The Human Factor

But perhaps the most important element in the process is the human factor. The content on this website and all of the information you are provided, is generated by live persons, who live here in Ohio and have been licensed brokers since 1980. Yes, that is indeed a long time! We believe that a combination of our human interaction (phone, email, in person or whatever!) and superior technology always outperforms a random E-website that provides rates, plan descriptions and high-turnover employees that are reading from a script.

Of course we utilize the most advanced software to provide all of the specific policy details and live instant quotes. But when you are communicating with us, either by phone, email or in person, that’s where you notice the difference most. You’ll quickly understand the level of experience and understanding we have and how easily we can help you understand how copays, deductibles and network discounts affect your rates.

Quite simply, we earned our consumer-website top-ranking by helping consumers in a professional manner without bias. If there is a better solution for you through your employer or a professional association, we’ll know about it and direct you there. If your medical history won’t allow you to qualify for a preferred rating, we’ll work to find the best choice and help you determine which features are the most important.

The Exchange

When an Ohio Health Exchange offers policies to residents of our state, our Agency will be a resource that explains the process of applying for coverage. It is expected that the Department Of Health And Human Resources will help create the “Exchange” that will perhaps help individuals and families buy affordable health care. Since it is possible that it will be very consumer unfriendly, our website will take you step by step through the process.

The first step to securing the best deals for your medical coverage in Ohio is finding the right broker and website. Now that you have already done that, please take the time to read about different policies and glance at the live quotes you provide. We’ll be standing by if you need any help.

Quality Medical And Dental Plans For Consumers In Ohio

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Ohio health and dental insurance coverage can be combined into one policy. Often, the major companies, such as Aetna, Anthem Blue Cross, and United HealthCare, will either include or offer separate riders for their dental coverage. Prices are generally fairly low, although sometimes it is best to separate plans to maximize your savings. We will help you find the best combination of benefits and low cost.

Below, you can view some of the features, coverages and approximate premiums of adding dental coverage to your Ohio health insurance policy. Remember that these are estimates and can change depending on your zip code and what pre-existing conditions (if any) you are being treated for. And if you are terminating  existing group coverage through work, remember that private policies usually offer less coverage than employer-provided benefits.

Ohio dental plans

Affordable Dental Plans In Ohio Are Available


United HealthCare includes a dental “discount” coverage with their basic Golden Rule plans. FACT (Federation of Consumers and Travelers) provides the discounts…usually between 10% and 40% on many dental and vision expenses. A more comprehensive dental insurance plan is also available for approximately $24-$34 per month per person. They have a large provider list in every part of the state.

Anthem Blue Cross Of Ohio offers a wide range of dental services that can be added as a rider to their health insurance plans. Both traditional and PPO plans are available at monthly costs between $22 and $36 per month per person.

Aetna offers two levels of dental coverage. If packaged with their individual plan, the cost is only $14 per month per person. A “stand alone” dental plan is also available for customers that do not own an Aetna health plan. The monthly cost is approximately $25.

Medical Mutual of Ohio offers a dental insurance rider with a $50 deductible. Once the deductible is met, most preventative services are covered at 100%. The approximate monthly cost is $15-$20. This plan does not include some of the major medical benefits that are found in most of the other options. The price is right, but not if you more in-depth benefits.

If your priority is keeping your premium low, you may wish to consider a discount plan. You can click here for complete details. There are about 15-20 choices, although they are of the policies listed are not going to pay 100% of your expenses, especially on the most expensive claims.

Comparing dental plans is not easy. Benefits and pricing are always different and the list of exclusions can be long. If we can help, contact us and we will recommend  a few quality plans that are offered by reputable companies.

Ohio Health Insurance Tips – Save 50% Or More On Your Medical Plan

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Ohio health insurance rates are actually quite affordable compared to other states. But whether you’re paying $60 per month or $560 per month, that may be too much. We shop prices 24/7 so you’re always viewing the best offers. It doesn’t matter whether it’s Anthem or Humana, we always publish the best offers.

Here are 10 money-saving ideas that might reduce the prices you pay. While all of these tips may not apply to you, perhaps a few will lower your premium. And you may also notice an improvement in your benefits.

·Raise your deductibles. By increasing the deductible from $1,000 to $2,500, a family of four could save $2,000 per year. You may also wish to consider a $3,500 or $5,000 option which will make a big difference when the number of persons covered is three or more.

·Consider an Ohio Health Savings Account (HSA). If you don’t have a lot of medical expenses, an HSA could potentially save you tens of thousands of dollars over your lifetime. You’ll also get to deduct contributions and take complete control over your medical benefits. If you have reached your 65th birthday a Medicare Supplement policy for Ohio should be looked at. We’ll help you every step of the way.

·Raise copay amounts if you are not using your office visit coverage more than three times per person per year. If you currently pay $20 or less, bump it up to $30 or more. Usually, the savings far outweighs your out of pocket cost. If your physician charges you less than $60 for visits, you’re probably paying for a benefit that should be removed.

·Combine all family members on one policy to possibly reduce rates. However, if the adult coverage should be different than the dependent coverage, two separate policies might reduce premiums. In 2014,with the introduction of the Exchange, you will be able to purchase a “child only” policy. However, plan choices will be somewhat limited, with “Platinum” being the most expensive choice.

Family Medical Plans

Cheap Ohio Family Health Insurance Online

·Compare rates every three years. Prices generally increase each year, and yours may be increasing faster than other companies. Certainly, you can research more frequently, since there is no cost during the process. But before you change, consult us to ensure the new coverage is appropriate. We will develop a strategy that you will be very happy with.

·If you stopped smoking, notify the carrier. You may be eligible for a reduced rate, and it may be substantial. Most companies increase premiums approximately 15%-30% if you have used nicotine within the last 12 months. The Ohio Health Exchange, however, in 2014, will use a 50% surcharge factor if you smoke. that should be plenty of incentive to quit.

·Are you paying for unneeded benefits? The removal of symptomatic office visit coverage could save hundreds…perhaps thousands of dollars every few years. Since preventive visits are automatically paid in full, you may feel that there is no need to pay $50-$150 per month extra to cover a few yearly bouts of the flu that require a generic prescription.

·Ask about “Wellness discounts.” Some Ohio health companies will reduce your premium if you regularly exercise and meet other requirements. You may even be rewarded with a credit towards memberships in exercise clubs or the YMCA. It’s free money that you should always ask about.

      ·Make sure you are using the “Preferred” Network if you have a PPO policy. You may be paying a higher premium because you are either using the wrong network or you are being treated by a provider that’s not listed on any of your provider lists.

        ·Purchase your coverage directly through our website so you receive direct carrier and direct Exchange rates. We’re still the top-rated choice of consumers and will always provide free lifetime service and expert guidance regarding tax rebates, the application process and any facet of your policy you need help with.

Where Should You Buy Your Ohio Health Insurance?

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Evidently, you know where to buy your Ohio health insurance, because you’re here! is the consumer favorite for affordable medical coverage in the Buckeye state. If you don’t currently have insurance, or you need to find a lower price, 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 companies are considered. You know…the reputable ones, such as Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual, Celtic and Humana. You’ll never find any type of “discount plan” or any carrier that I wouldn’t use for my own coverage.

Comparing  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 the best fit. 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. We actually answer emails past midnight!

Keeping the same doctors (if you change policies) is important. We will check all PPO, HMO and Point-Of-Service networks to find your physicians so you know which carriers will allow you to use the same providers.Sometimes, regional companies, such as Kaiser and SummaCare may not have strong representation in all areas of the state.

Find Where To Buy Healthcare In Ohio

When Changing Plans, We’ll Check Your Provider Network

Purchasing a policy is not quite the same as it was a few years ago. As a result of The Affordable Care Act (Obamacare), beginning in 2014, the number of available companies and plans will drastically reduce. Instead of choosing among “Value,” “Copay” and “Premier” types of policies, you’ll pick a Bronze, Silver, Gold or Platinum option.

Of course, we will be your trusted resource for explaining differences in these “Medal” plans, explaining your federal tax subsidy (and how much it will reduce your cost) and reviewing and recommending the best options for you, and the easiest way to apply for coverage.

Should you keep your existing plan or replace it with one  of the new guaranteed-approval Medal plans? It depends on many variables, including your income, risk-tolerance, age and number of dependents you have. There will also be affordable contracts that will be offered outside of the “Marketplace.” Still state and federally approved, these may be big money-savers.

But what about the rates? Are they truly the lowest available prices? You betcha! And that’s a guarantee. Premiums are regulated by the Department of Insurance. So, you won’t find better offers. 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.

With 30 years of experience, we have helped thousands of customers. When you buy Ohio medical coverage,  whether it’s an online link we provide or by fax or email, we research your options like no other website or broker. We understand each plan and will simplify the application process and get you covered as quickly as possible. And of course, when you request a comparison at the top of the page, the quote is free!