Ohio health insurance rates are quite affordable…especially if your employer is paying the premiums. However, if you’re self-employed or are paying your health care premiums yourself, they may not seem so affordable.

Consumers can reduce their Ohio health insurance rates by following some simple guidelines. Ohioquotes.com, the premier resource for Ohio health insurance plans, provides these rate-saving tips:

·        If you’re relatively healthy, always consider raising your catastrophic deductibles. The savings could easily be thousands of dollars per year.

·        Never buy an Ohio health insurance policy from an out-of state broker. They may recommend the wrong plan, and are quite likely to be unfamiliar with all of the available Ohio health care plans.

·        If any broker attempts to charge you an “application fee” or processing fee,” run away fast! The lone exception is some Ohio short-term policies.

·        If your rates have increased each of the last three years, it might be a good time to compare plans. Current Ohio health insurance rates may be less than the premium your older policy is costing you.

·        Consider an Ohio Health Savings Account (HSA). In addition to tax deductions, the savings in premiums can be deposited into a side account that pays current expenses. Potentially, you could save thousands of dollars.

·        Eliminate unneeded coverages. If you rarely visit a physician and there are no children on the policy, consider eliminating the coverage if the savings is substantial.

·        Let us review your current coverages. It’s possible there are some available discounts you’re not aware of. Also…simple “fine-tuning” instead of changing an existing plan might provide some premium savings.

Ohio health insurance rates don’t have to be high. For a free policy review, please call or email us. For an instant Ohio quote, please click on the “Get Instant Quote” button at the top of the page.

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.

If you currently have an Ohio health insurance policy, then you probably pay a “copay” on your office visit coverage.  The “copay” is the dollar amount you must pay for your covered office visit. Normally, copays range from $15-$40.

If your doctor does not participate in your Ohio health insurance plan, your out-of-pocket expense will be higher.

The good folks at Humana have put together a video that provides a bit more insight to this topic. I promise…the video is quite informative and pleasantly brief.

Ohio individual health insurance plans have a new addition!

Anthem Blue Cross has introduced its “SmartSense” plans, an affordable alternative to its more expensive “Premier” plan. Three PCP/Specialist office visits are covered with a $35 copay. A deductible applies to any remaining office visit.

Generic formulary, plus limited number of brand-name drugs are subject to a $15 copay or 60%, whichever is higher. Non-formulary prescription drugs are not covered.

Most Ohio individual health insurance plans include some adult preventative coverage. The “SmartSense” plan, unfortunately, only covers Mammography and Pap Tests after the deductible. Child preventative services are covered after the deductible.

For additional details, please call us at (888) 513-6446 or email service@ohioquotes.com

Instant Ohio individual health insurance quotes are available by clicking the “Get Instant Quote” button at the top of this page.

Many consumers assume they have quality health care. But they don’t realize that their policy has substantial gaps in coverage, with limits and loopholes that were not adequately disclosed.

 Consumer Reports published their “Seven Signs A Health Plan Might Be Junk.” They recommend avoiding plans with these features:

·        Limited benefits

·        Low overall coverage limits

·        Bargain premiums

·        Little or no coverage for the important items

·        Ceilings on categories of care

·        Random “gotchas”

The entire article can be found here.

Here’s some good news: Ohioquotes.com NEVER uses any type of “discount” plan. As Ohio’s premier resource for Ohio health insurance plans, we are extremely particular when researching and recommending coverage. Only the highest quality policies are considered.

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