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.

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!

A Health Savings Account is a tax-favored savings account that is combined with a high-deductible health insurance plan. HSAs allow you to pay for current medical expenses and save for future qualified expenses on a tax-free basis.

The first step is establishing a high-deductible health insurance plan (HDHP). These plans are available through most Ohio health insurance companies, including UnitedHealthCare, Aetna, Anthem Blue Cross and Medical Mutual. The HDHP is an inexpensive catastrophic health insurance plan that generally does not pay for the first few thousand dollars of health care (the “deductible.”). However, after the deductible, expenses are covered at 80% or 100%, depending on the plan.

You have complete control over the funds in your HSA. You also decide the types of investments to make with the money in the account in order to make it grow. Some of the funds in your HSA can come from the money you save on your insurance, since an HDHP usually costs less than traditional health care costs.

Once the HDHP is in place, the HSA can be set up through banks, credit unions and other approved companies. There are many very good Ohio Health Insurance Accounts. For specific details on rates and coverage, please click on the “Get Instant Quote” button at the top of the page.

Oh…by the way…I have an HSA. And I have been very happy with its performance.

There are many Ohio health insurance companies that offer individual and family coverage to Ohio residents. Anthem Blue Cross, UnitedHealthCare and Aetna are the three largest carriers. But there are numerous other companies that offer medical coverage in Ohio.

To help you select the most affordable Ohio health insurance plan, a comprehensive list of the major Ohio health insurance companies is listed below:

Anthem Blue Cross is the largest Ohio health insurance company, providing coverage to almost one out of every four insureds.  A wide variety of plans are available, including “Blue Access Plan 2,” Anthem’s most comprehensive policy. The “Value” plans offer substantial discounts in exchange for limitations of office visit and prescription coverage.

UPDATE: In March of 2009, Anthem introduced three new Ohio health insurance plans. The “Premier” plan is a comprehensive policy featuring lower out-of-pocket costs. The “SmartSense” plan is a comprehensive plan with some limitations in benefits. And the “Lumenos HSA” plan ha some new features.

Medical Mutual of Ohio (MMO) is one of the oldest Ohio health insurance companies. Recently, they expanded their plan portfolio to include some lower-cost plans. Their smoker rates are very competitive, but MMO’s Health Savings Account (HSA) policies have higher out-of-pocket costs than many companies.

UnitedHealthCare  (UHC) offers a broad range of polices at extremely competitive rates. After purchasing Golden Rule Insurance company a few years ago, UHC’s market share substantially increased. Rates are based on zip codes, as opposed to the more common county-rating system. At the very high BMI (Body Mass Index) ratings, UnitedHealthcare is not as forgiving as most other companies. One of UHC’s strong points is their large portfolio of Ohio health insurance plans.

Kaiser Permanente offers medical coverage to residents of Northern Ohio. Ohio residents in the Columbus, Dayton and Cincinnati areas will not be able to obtain a policy.

Humana is not always the lowest-cost Ohio insurance company, but offers comprehensive plans with solid coverages. They are one of the few Ohio companies to offer maternity coverage, and have a very popular policy (Autograph Share 80 plan) that allows six office visits and is competitively priced.

Aetna began offering individual Ohio health insurance plans in 2005. Since that time, they have added many new plans, including the low-cost “Preventative and Hospital Care” policy. Overall, Aetna’s Ohio rates are extremely competitive.

Paramount Care is one of the largest Ohio health companies serving northwest Ohio and southeast Michigan. It is locally owned with a primary focus on service and wellness.

Time Insurance (formerly Fortis) Company, offers more policy options than almost every other carrier. But, unfortunately, their rates in Ohio are extremely uncompetitive, and they also receive an unusually high number of consumer complaints.

For a personalized recommendation based on your needs or an instant Ohio health insurance quote, please click on the “Get Instant Quote” icon at the top of the page or email service@ohioquotes.com While there are hundreds of Ohio health insurance companies available to the consumer, we’ll personally select and review the handful of plans that will be your best options. And unlike many other websites, we never sell or give your information to any other person or company.