We are very selective regarding the Ohio health insurance companies that we represent. No "discount" plans are ever used. Also, if an Ohio company is not rated "A" or higher by A.M. Best Company, we will not use them. Some of the carriers we represent include: Anthem Blue Cross, UnitedHealthOne, Aetna, Humana, Medical Mutual, HealthAmerica, Celtic and Assurant. American Community Mutual stopped writing business in Ohio although we never represented them. HealthAmerica offers coverage in only a few counties in the Northeastern part of the state.
Living up to being recognized as the "premier trusted Ohio health care authority" is always a challenge, but we welcome it. We are constantly monitoring companies for rate trends and claims-paying ability and we will be happy to share that information with you upon request. We also provide provider network information for each carrier so you can easily determine if your doctor or hospital is"in network."
Since each Ohio health insurance company charges different rates in each county, it is not unusual to see significantly lower rates in selected parts of the state. Our job is to find those low rates, and recommend the most affordable high-quality health care plan for your situation. Since rates are mandated by the Ohio Department of Insurance, You will receive the lowest rate allowable by each company.
Your zip code is also one of the factors that will determine which health insurer offers the best rate. For example...UnitedHealthOne has very competitive rates in many zip codes including those that begin with 450, 452 and 453 (Southwestern Ohio). Yet, in the 451 areas, UnitedHealthOne's rates are much higher. Also, Medical Mutual's rates are more favorable in specific parts of the state. In the Cincinnati area, Medical Mutual offers extremely competitive HSA and comprehensive plan rates. By using our experience and expertise, we will help you identify your best options. Anthem Blue Cross tends to offer competitive prices in all parts of Ohio.
If your need is temporary, a short-term Ohio health insurance plan will be your best option. While most companies offer short-term plans, Humana, Celtic and UnitedHealthCare offer the most affordable options. Typically, short-term coverage costs less (approximately 30%-60%) than comprehensive policies, and applications are often approved in less than 24 hours. Although these types of plans do not cover pre-existing conditions, they are a great fit for Ohio individuals and families that only need benefits for less than 12 months.
If you would like to instantly view, compare or apply for an Ohio health insurance policy, please click on the "Get Instant Quote" button at the top of the page. Your information will never be shared with any other person or company. You can also talk to us live by calling (888) 513 6446. You can also utilize the "contact us" button at the top of the page.