Ohioquotes.com is Ohio’s respected resource for affordable Ohio health insurance and reform information. But what do we do with the personal information you provide when requesting a quote? Actually, the answer is simple. Nothing! That’s right. Unlike most insurance websites you may have visited, we never share your personal information with any other person or company. It remains with only us and is eventually deleted.
If you provide your phone number, we will NOT call you unless you request it. And although you may receive an occasional email from us regarding Ohio health insurance information, you will never be placed on a spam emailing list. Nobody has access to your information and we take great pride in knowing that we are one of the few Agencies that lets you shop for coverage at your own pace, instead of being hounded by phone calls every other day. And actually, you may notice that we will never ask for your phone number.
How Do I Apply For An Ohio Health Insurance Policy?
The process is very simple. Once you have decided which plan you want, you can apply via an online link we provide. Or, if you prefer, we will fax or email the application. Naturally, we will gladly take the time to discuss your specific needs and determine which plans would best provide the coverage you want at the most affordable rate.
By clicking on the “Get Instant Quote” button at the top of the page, you’ll be able to easily view and compare different plans. But, there will be many (about 75-100) policies to review so we’ll be happy to discuss your situation and pick the best 5-10 policies for you to consider. There are no fees to pay and we will always be available for help as long as you have coverage. In fact, live help via email is often available until midnight!
Why Should We Apply For Coverage Through You And Not Someone Else?
As previously mentioned, our service is free and the rates you view on this website are the lowest allowable published rates from each company. We not only handle the application process for you, but we are your personal resource for any questions or concerns you ever have. And since we work for you, and not an Ohio health insurance company, we’ll always provide unbiased information that has your best interest in mind.
Ohioquotes.com will find you the most affordable health care plans. Request a quote or call us. We’ll probably be able to help you and we have a great sense of humor too!
Dental insurance in Ohio is affordable, easy to apply for and available through many of the most recognized insurers. The cost of good Ohio dental coverage is actually less expensive than most people realize. Anthem Blue Cross, UnitedHealthcare, Medical Mutual and Humana are four of the larger providers in the state. There are also many other smaller carriers that offer “discount “plans.
At Ohioquotes.com, we combine more than 30 years of experience with our unmatched and unbiased knowledge of dental coverage. You’ll view the lowest available premiums on our website and if you wish to apply for coverage, you’ll be amazed at how quick the process is. We have carefully picked the best dental plans in the state and made them available to you.
Listed below are your best options. Also provided is a link for each company that shows you specific benefits. We urge you to view the information from the link as you are reading this page.
Anthem Blue Cross Ohio Dental
“Dental Blue Basic 100” is the most affordable option from Anthem. Unlike their other two plans, there is no waiting period to utilize coverage. Preventive and diagnostic expenses, such as cleanings, x-rays, oral evaluations, sealants and fluoride treatments, are covered at 100% with no out-of-pocket expense (assuming you receive service at a Network provider).
Minor restorative benefits are provided at 80% coverage. Some of the more common benefits include space maintainers, composite and amalgam fillings, pin retention and emergency palliative pain treatment. Simple extraction, oral surgery and anesthesia benefits are not provided under the basic plan. There is also a $500 limit on annual provided benefits.
“Dental Blue Essential 100 & 200” are more comprehensive options for your Ohio dental insurance coverage. In addition to the benefits the “Basic” plan provides, this plan offers coverage for many additional items, such as impacted teeth removal, anesthesia, crowns, root canals along with many periodontal and endodontic services.
A fee schedule determines how much of the non-preventive expenses are covered. Orthodontia is not covered under the Anthem plans and is rarely covered under any other personal medical policy. As previously mentioned, we highly recommend viewing the specific rates and coverages here for more extensive information.
Anthem Ohio Dental Information
Anthem Ohio Dental Application
Medical Mutual Ohio Dental
Medical Mutual is one of the oldest and most revered insurers in the state. They are also a non-profit company that offers low dental rates. For example, the monthly rate is about $17 per person, which is less than Anthem. However, there are some differences in coverage.
Medical Mutual’s dental policy pays for 100% of preventive dental expenses including two exams and x-rays per year, fluoride, and other common benefits. Fillings are also covered, but at 80% instead of 100%.
However, many non-preventive expenses are not covered, including crowns, anesthesia, dentures, extractions and restorative treatment. A full listing of benefits can be found here.
Of you want an inexpensive dental plan that specializes in preventive benefits, and you don’t anticipate using your plan for major expenses, then the Med Mutual policy is a good buy.
Medical Mutual Ohio Dental Information
UnitedHealthcare Ohio Dental
UnitedHealthcare is one of the largest health insurance companies in Ohio and the US. They offer two very reasonably-priced dental policies... The Dental “Premier” and Dental “Value” plans. The Premier plan is ideal if you are not using a provider in the UnitedHealthcare network. However, the “Value” plan utilizes Network discounts and therefore costs less.
Both plans provide 100% coverage on preventive expenses and you do not have to meet any deductible or waiting period. “Basic” services including simple extractions have a 6-month waiting period. And major treatment, which includes root canals, bridges and surgical extractions, have a 12-month waiting period.
A $50 per year deductible applies to the Basic and Major benefits. The UnitedHealthcare Network is countrywide and consists of more than 100,000 providers. We highly recommend you view specific benefits of the two plans here: UnitedHealthcare Ohio Dental Information
UnitedHealthCare Ohio Dental Online Application And Information
Ohio Dental Discount Plans
The biggest advantage of having a dental discount plan is the cost. They are very inexpensive compared to conventional dental policies. Premiums can be as low as $90 per year for an individual and $150 per year for an entire family. Preventive benefits are typically very inclusive. Routine checkups and basic x-rays are often covered with little or no out of pocket expense.
However, most other services are provided with discounts that are generally less than what is offered on conventional plans. For example, discounts on fillings, extractions and root canal treatment are generally 20%-35%, instead of 40%-75%. And although there are available dentists in all areas of Ohio, the Network is smaller compared to Anthem or any of the other large carriers.
But for basic cheap coverage, it’s not a bad option. You can view, compare and apply for coverage here:
Ohio Dental Discount Plans
Humana Ohio Dental
Humana is one of the nation’s largest insurers and offers three VERY affordable dental options. You can view details here. The Three plans are:
Dental Preventive Plus allows you to use any dentist in the huge Humana network. And Ohio has plenty of providers to choose from. Like most plans, most preventive benefits are covered at 100%. Basic services are covered at approximately 50% while major expenses receive a discount. Cost is about $16 per month.
Dental C550 requires that you pick a primary care dentist for your benefits. A low $10 copy applies to office visits and filling and extractions also have very low copays ( $30 and $35). There are no waiting period and no benefit maximums. Typically, consumers keep coverage at least 12 months. Cost is about $15 per month.
Dental Discount coverage provides cost reductions of up to 50%, depending on the service. It is not classified as insurance, but offers a quick cheap option to reduce your dental costs. Cost is about $11 per month.
Humana plans are very affordable and popular. You can view benefits and apply for coverage here:
Humana Ohio Dental
Health insurance brokers in Ohio are everywhere! It seems as if your neighbor, your cousin and your junior high school teacher sell Ohio health insurance policies. So what makes Ohioquotes.com different than all of the other brokers?
With more than 31 years of experience, the most comprehensive quoting software in the business and our policy of always quoting the lowest available rates…it seems obvious why we’re considered the preferred medical insurance broker in the state.
Regardless of whether you need coverage for a student, an HSA, individual or family coverage, or a temporary policy, we’re confident we’ll provide the best options for you. We use the best quote engine in the US for our website so you don’t have to wait for a call or email to view your quotes. You simply enter basic information and immediately you can compare plans. We do not ask for your phone number or other financial information such as your social security number.
What Do You, As My Broker, Do For Me?
Quite a bit, although most of the service you may not notice. Typically, when you view Ohio health insurance quotes, there are hundreds of plans to review. Unless you’re an experienced agent, you may not know what to look for, what plans to stay away from, what policies require a down payment or how appropriate the policy is for your needs.
We know and understand each policy since we work with them every day. Easily, we can research more than 100 options and provide the 5-10 plans that are uniquely best for you. If you only want catastrophic coverage with an RX rider, we’ll find the best options. If you need a comprehensive plan with copays but are willing to choose a higher deductible, we’ll find the most suitable policies. If you are terminating a group plan, we'll help you transition into a new policy.
We assist you when you apply for coverage. Whether the application is submitted through an online link, faxed or emailed, we work with you to insure the paperwork is complete and promptly received by the underwriter. We act as your liaison between the health insurance providers here in Ohio and yourself. If there is additional required information, we provide the quickest method for you to furnish what is needed.
And after your policy is approved, we don’t disappear. You can contact us any time if you have questions regarding claims, billing, policy coverage or any other issue. And each year, we provide a free comparison of your current plan with other health insurance plans in Ohio. It’s always a good idea to monitor your rates and make certain they are still a “good buy.”
What Fees Should I Pay A Broker?
None! No money at all. Here’s why. Health insurers have their own staff that sells policies. And they receive full benefits and compensation from the insurer. Of course, they work for their employer…not you. We work for you and represent all of the large insurers. If Anthem is best for you, we’ll recommend them. If UnitedHealthcare is a better option, then that’s who we will recommend.
And health insurance companies in Ohio like working with brokers since they don’t have to pay any benefits. So they win and you also win, by working with someone who won’t charge you a penny, has your best interests in mind, and the experience to determine (with no bias) which policies are your best choices. And of course, we're located here in Ohio!
Ohio health insurance laws are designed to protect Ohio residents. Whether it’s your individual medical coverage, a plan through your employer or perhaps a guaranteed-issue policy through the Department Of Insurance, health insurance laws help keep rates affordable and coverage up to date. And of course, they also help protect consumers here in the Buckeye state.
One of the main topics of conversation everyone in the state is talking about is the potential effect that the proposed health care overhaul (Obamacare) will have on individual and family medical plans. The full impact will start to be felt in 2014 and later years. And if some experts are right, although less people will be uninsured, premiums for most others could substantially increase. In the Spring of 2012, the Supreme Court will listen to testimony (both for and against) regarding the effectiveness of recent health care reform changes. Then, an official ruling will be made around June.
“The Affordable Health Care Act” has been deemed unconstitutional (parts of the Act) in some recent court rulings, so the Supreme Court intervention is needed. The director of the Ohio Department Of Insurance, Lt. Gov. Mary Taylor, feels that rates will increase if the legislation is fully implemented. Most other small business owners are concerned they will not be able to afford to offer health care benefits to their employees. In fairness, that view is not shared by all business owners.
Current Ohio laws do not require residents to purchase health care. Of course, individuals and families without medical benefits usually find it more difficult to find treatment since many providers request to be paid for services in advance. If there are no existing health issues, obtaining quality coverage is usually very easy since rates here are among the lowest in the US.
Also, there is no existing legislation that prohibits insurers from raising the rate or denying an application for coverage on an individual policy. This can be a tremendous benefit or detriment, depending on your current situation. If you are relatively healthy, you’ll notice that health insurance rates are quite low compared to the rest of the country. For example, Ohio rates are about 25% less than Pennsylvania and approximately 50% less than New York or New Jersey.
Group coverage through an employer is treated a bit differently. Although companies do not have to offer health care benefits to their employees, if they do, certain laws protect the consumer. For example, pregnancy cannot be a reason to be denied for coverage. Also, group plans usually offer a richer mental illness benefit package than personal policies. Thus, group rates to tend to be more expensive than private plans.
Existing health laws also protect persons that have severe medical issues. “Ohio Open Enrollment,” which is available through the Department Of Insurance, is one option. A second option is the “Risk Pool,” which offers affordable coverage to applicants that have been denied policies by two carriers and have not had in-force qualified benefits for six months. The "Risk Pool" is administered by Medical Mutual.
A law that went into effect in 2010 prohibits health insurers from rescinding contracts, unless fraud or intentional misrepresentation was committed. So if you answered all of the questions on the application truthfully, your Ohio health insurance policy cannot be canceled. As an example, if a person unexpectedly developed cancer just a week after a policy was approved, they can keep that policy for as long as they wish. Naturally, when they reach age 65 and become eligible for Medicare, they will have to change plans.
The best health insurance plan in Ohio? Actually, there are quite a few policies that are extremely affordable, very popular and offered by reputable health care providers. But there’s one plan that is very simple, low cost and issued by a non-profit company.
Meet the Ohio SuperMed One Wellness plan from Medical Mutual. It’s an inexpensive policy that is HSA-eligible and should be considered by all individuals and families that would like to reduce their costs, but also limit their potential out-of-pocket cost for large medical claims. The HSA portion of the plan is optional and does not increase the premium. Also, applications are easily submitted. You can fax or email them to us. Or, you can use the online link we will create especially for you. And you do not have to submit a payment when you apply for coverage.
Here’s how it works. You select a deductible of either $1,500, $2,500, $3,000 or $5,000. Of course, a lower deductible will cost more than a higher deductible. Once you have satisfied the deductible, 100% of all covered medical expenses are paid. Office visits. Prescriptions. X-Rays. Lab Tests. Inpatient and outpatient surgery. And the list goes on and on. That’s pretty simple isn’t it?
If you’re reasonably healthy, you will probably never (or rarely) meet your yearly deductible. However, all recognized preventive expenses (such as routine annual physical examinations and Wellness) are paid by Medical Mutual. Your cost is nothing. That feature can potentially save you a substantial amount of money compared to other plans. And the list of approved preventive expenses is extensive.
By utilizing the vast Medical Mutual network, you’ll also be able to pay discount prices on health care that is subject to the deductible. That’s because the health insurer negotiates on your behalf, and lowers the fees charged by physicians, hospitals, laboratories and other health care providers. Sometimes you’ll only save a few dollars, but other times it may be a few hundred dollars. Or perhaps thousands of dollars on a hospital claim. And yes...even tens of thousands on very large claims.
So…How affordable is the SuperMed One Wellness plan? Consider these examples. The only assumptions are that the applicants are non-smokers and in good health.
A family of four in Delaware County (Ages 50, 50, 15 & 18) would pay only $317 per month for a $5,000 deductible. A $3,000 deductible would increase the rate to $430. A 36-year old male in Hamilton County would pay only $61 for the $5,000 deductible and $81 for a $3,000 deductible. Yes…these are very competitive rates. The Anthem Lumenos (HSA-eligible) plan also offers very low rates in most parts of Ohio. It is a very similar plan and should be considered in many situations.
This type of coverage is ideal for some and not a very good choice for others. We’ll help you determine if the Medical Mutual Wellness policy is going to be the right solution for you. Call us at (888) 513 6446 or contact us via email. Or simply view the rates yourself by starting the quote process. Thirty years of experience is waiting to assist you.
SuperMed One Wellness Description Of Benefits
SuperMed One Wellness Application
Most Ohio medical insurance plans offer the coverages you need, without having to add any additional riders. If there is a particular option you want, or a specific deductible you prefer, typically, you can find a policy that meets your specific needs. Rates here in Ohio tend to be very affordable, so the cost of coverage won’t put too big of a dent in your budget.
However, occasionally, there are instances where a niche rider may be most appropriate on your Ohio individual or family health insurance plan. We have taken the time to review the most popular riders and briefly provide details of their most important features below:
Maternity Without question, the most expensive rider in the history of health insurance plans. UnitedHealthcare used to offer extremely affordable maternity options, but they no longer offer that coverage. Typically, the cost is between $250 and $750 per month (I told you it was expensive). Anthem Blue Cross is usually one of the best choices. But you still have a 270-day waiting period before benefits begin. And only certain plans are available for the rider.
Supplemental Accident A helpful, fairly inexpensive rider that will help reduce your deductible (and coinsurance) if there is an unexpected accident. Benefit amounts are usually available from $500 to $10,000 and this coverage is popular if you have active children involved in sports. Payments are typically paid for covered expenses incurred within three months of the injury. The cost of the rider is often between $15 and $45 per month, depending on the benefit.
UnitedHealthcare offers this rider along with a few other major carriers. Rates are reasonable and if you have a high deductible on your major medical benefits, it’s definitely worth considering buying this coverage.
Prescription Drugs Although most Ohio health insurance policies include some form of RX coverage, there are still situations where a rider can either enhance or add the coverage. Of course, it’s hard to predict what your future need of prescription coverage will be. Keep in mind that most RX riders will not help much if you use generic medications.
Term Life Insurance Although Anthem, UnitedHealthcare and a few other carriers offer term life insurance riders, usually, if you want $50,000 or more, you will pay much less by visting Ohioterminsurancerates.com. However, if you only want $10,000-$25,000 of coverage, then adding it to your health care plan is not a bad option to consider.
Dental Or Vision Two of the most popular riders are the dental and vision options. UnitedHealthcare, Anthem, Medical Mutual and Aetna offer very completive rates. Coverages are very similar when comparing plans so one of the most important considerations is determining if your provider is in their Network. If they aren’t, you’ll be forced to pay much higher fees.
Typical dental coverages include comprehensive preventive benefits and a discount of approximately 30%-70% on major items such as root canals etc… Vision benefits often include one annual checkup and a pair of glasses every few years. Monthly costs are usually about $18-$27 for dental and $10-$17 for vision benefits.
For additional information regarding what riders might benefit you, please feel free to email us or call (888) 513 6446. We’ll be happy to help.
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How to apply for Ohio health insurance. It’s really not that difficult. We have carefully crafted this website to make the application process easy. Any “questionable” companies have been removed from the quoting software and we have attempted to highlight the Ohio plans that offer the most comprehensive coverage for the premium that is being charged.
Request Your Quote
The process starts when you request your quote at the top of the page. Once you have provided some basic information, you’ll be presented with approximately 60-80 quotes from the best health insurers, such as Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Aetna and Humana. Yes, those are a lot of options, but we can easily scale the number down to the 5-10 that are your best choices. A quick phone call or email to us will start that process.
Click On The “Apply” Button
Once you have decided which plan is best for you (with or without our help), as you are reviewing the details, you’ll see an orange “Apply” button. If you DO NOT see that button, you should immediately contact us. You may not be on the right website. But assuming you are where you should be, you can either “Apply Online Now” or download the actual application. If you download the application, you can fax or email it to us.
When you “apply online,” you will be answering all of the medical questions on the secure website of the Ohio health insurance company you have chosen. If you “download” the application, you can print it and upon completion, email it back to us or fax it to (888) 513 6446. Whether you apply online or fax/email the information, the questions are the same and the rate is not affected.
Answer The Medical Questions
During this process, we will be happy to help you with the medical questions or any other concern you have. Of course, we cannot (and will not!) answer the medical questions for you. But we can help interpret what information is being asked and give you some expert guidance. And there aren't too many questions, especially with "short-term" plans.
A few companies will require you to pay the first monthly premium with the application. Typically, they do not withdraw the money until the effective date of the policy. Naturally, this payment can be refunded if you do not want coverage or do not accept the rate offer (subject to specific company guidelines). However, Medical Mutual and Anthem do not require you to furnish any type of billing information in advance. You can request to be “billed at home.”
Complete The Application
Once the application is completed, it is submitted by us directly to the health insurer. Generally, it takes between one and three weeks for an application to be approved, although short-term plans are often approved within 24 hours. You will receive written notification and a hard copy of the policy. At any time you can cancel the policy. You are not under any obligation to keep the coverage for any length of time. We recommend paying your premiums monthly since there rarely is a discount for paying quarterly or semi-annually.
Let Us Help You Pick Out The Right Plan
Picking the best plan for your unique needs is perhaps the hardest part of the process. Call us. Email us. With 30 years of experience helping individuals and families here in Ohio, you’re in good hands. We’ll provide unbiased input on all of the health care options and the rates you see will always be the lowest prices that are provided by each carrier. And of course, we never charge any fees or share your personal information.
Reduce your Ohio health insurance rates. It may be easier than you realize. There are many low cost medical plans in Ohio and the amount of coverage on these policies will surprise you. Reducing your premium is possible and we’ll provide specific recommendations to help you cut your costs. And these tips will save you money every year!
Ohioquotes.com is recognized as the state’s premier trusted authority for providing affordable health care at the lowest available rates. With more than 30 years of experience, we constantly monitor rates, and update this website daily to provide you with the latest information. Your personal information is never shared with any other person or company.
10 Ways To Reduce Your Health Insurance Costs
1. Compare rates from multiple companies. The longer you have your policy, the more the rate will increase. Every 2-5 years, you should view rates from our website to insure your premium is still competitive. It’s always possible that a company that had high rates five years ago is now offering much lower rates. And conversely, a company that haduncompetitive rates many years ago mayoffer great rates now.
2. Consider a Health Savings Account (HSA). Here in Ohio, HSA rates are very low compared to most other states. You’ll be able to reduce your rates, pay for your health care with tax-favored dollars and accumulate money in years where you don’t have a lot of medical claims. And you'llnever lose your accumulated money if you don't use it.
3. Don’t pay for coverage that you’re not using. For example, if you are paying for a maternity rider that you won’t be using…get rid of it! If you’re paying for dental and vision benefits and rarely use them, carefully consider the costs and benefits of dropping the coverage.
4. Raise your major medical deductible. Your Ohio health insurance rate will reduce by hundreds of dollars per year (perhaps thousands of dollars if you have a large family). A change from $1,000 to $2,500 or $5,000 could make a huge difference in your rates.
5. Review your bills. A “Network repricing” discount should be applied if you are using providers within your company’s network. Occasionally, this discount is not applied so it’s worth your time to review your paperwork. The discount can range from 10%-70%, depending on the type of service provided.
6. Maintain good health. One of the biggest factors in determining your rate is your height and weight, medications you take, and current and past medical history. Staying healthy will allow you to secure better rates when shopping for health insurance coverage. It may help your life and disability premiums as well.
7. Take advantage of “Freebies.” Many of the large Ohio health insurers offer free advice, education and online links that will help you stay fit. Often, discounts are available on products that you may already be using. Contact us for additional specific details on discounts and Wellness programs.
8. Email or call us and we’ll be happy to review your existing coverage. If there are better options that maintain your existing benefits and lower your premium…we’ll show them to you. If it is advantageous for you to make no changes, we’ll tell you.
9. Consider increasing your coinsurance or reducing the number of covered office visits. Both of these changes will result in lower health care coverage so it’s important to understand the impact and properly compare that to the money you will save.
10 Compare the cost of office visit charges and prescriptions. Doctors charge different rates and prescription prices can vary between different pharmacies. “Pill-splitting,” if available, with your prescription, may save you some money.
At Ohioquotes.com, we’re committed to finding our clients the lowest available rates. But we also feel it is equally important to provide quality coverage that will provide the benefits that the customer expects to receive.
You can easily view current rates from all of the top companies by using the “Get Instant Quote” button at the top of the page. You can also call us at (888) 513 6446.
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The Anthem Blue Cross Ohio CoreShare Health insurance plan is a new affordable option designed to reduce premiums while offering comprehensive coverage. Featuring one of Anthem’s lowest rates, the Coreshare plan offers a wide variety of deductibles and higher cost-sharing to provide a low Ohio health insurance rate. The plan offers unlimited lifetime benefits with a large range of coinsurance options. Premiums are significantly lower than the Anthem Premier and SmartSense plans.
This plan requires you to pay a higher share of the cost of provided services compared to other Anthem plans. It is ideal for individuals and families that seek protection against catastrophic medical expenses. Receiving Anthem’s negotiated repricing helps reduce your out of pocket expense…especially if a higher deducible is selected. CoreShare deductibles range from $750 to $25,000. If a lower deductible is selected, a copayment will apply for inpatient hospital stays and outpatient surgeries. Three coinsurance options are also available (0%, 20% & 50%).
The CoreShare plan uses the Ohio Anthem Blue Cross network, which is one of the largest provider networks in the state. More than 40,000 doctors and 165 hospitals participate, so you’ll always have a wide variety of providers to choose from. If you travel outside of Ohio, network providers across the country will be available. You do need a referral to see a specialist and there are no claims or paperwork when an Anthem Blue Cross provider is used. Here in Ohio, the Blue Cross Network is very prominent.
As the major respected website for affordable Ohio health care, we offer the plan through this website at the absolute lowest rate. Since it is a “niche” policy, we will only recommend the plan in certain situations. While it is a solid plan backed by a reputable Ohio health insurer, the coverages are designed for specific circumstances. Out of pocket expenses can be potentially higher than many other plans.
You can compare the Anthem Ohio rates with other plans from different carriers by using the "Quote" section at the top of this page. Don't worry. We don't share your personal information.
Low cost Ohio auto insurance rates are available from many of the nation’s largest auto insurance companies. Geico, Progessive, Nationwide, Allstate, Metlife and many other companies feature low car insurance rates for Ohio residents. You may save a substantial amount of money by comparing current rates of other carriers to what you pay now. By providing your zip code in the box below, you’ll have access to low cost auto insurance options from the top companies.
Ohio auto insurance rates will vary, depending on which part of the state you reside. Typically, rates in Ohio are lower (sometimes substantially lower) than most other states. The cost of repair and average cost of each claim helps keep our rates low.
Ten Ways To Reduce Your Ohio Auto Insurance Rates
Lowering your premium is possible. By following some of our recommendations, you may be able to reduce your rates by as much as 25%-50%.
- Compare your rates with at least two other recognized companies. You may not realize how much your premium has been increasing until you view rates from other carriers. You can also view complaint information about most companies on the Ohio Department Of Insurance (ODI) website.
- Consider increasing your collision deductibles, especially on newer vehicles. By raising the deductible from $100 to $500, you’ll probably save hundreds of dollars per vehicle. Increasing your comprehensive deductible typically does not make as big of a difference since mostly fire, vandalism and theft are at risk.
- Ask for a quote on your homeowner’s insurance from the company that insures your cars. Often a “multi-policy” discount is available when you insure your cars and home with the same company. The discount can range from 5%-20%, depending on the company.
- Drive slower and safer! All major Ohio auto insurance companies offer reductions in premiums the longer you drive accident-free. And many companies further reduce your rates every 3-5 years you drive without an accident.
- Ask about discounts. If you have a teen driver, a “good student” discount can reduce the rate from 5%-20%. If you are retired and not driving to work, a discount will apply. Many companies offer an Ohio auto insurance rate reduction if you are 55 or older. Having an alarm system or parking your car inside a garage may also provide a discount.
- Compare the auto insurance rates on vehicles BEFORE you buy them. If you are contemplating purchasing a new car, you can receive an estimate of cost before you actually buy the vehicle. You may be surprised how expensive (or inexpensive) some cars will cost and it may affect your buying decision. Typically, newer, sporty or more expensive cars will increase your premium the most.
- Maintain a good credit rating. Many companies use your credit information to help determine your rate. And the difference between good credit and bad credit can be as much as hundreds of dollars each year. So pay your bills on time and be aware of your credit score.
- Reduce coverages on older cars. If the value of the vehicle is only a few thousand dollars, and you are paying more than $300 per year for your collision benefits ($500 deductible), placing just liability coverage on the older car might be worth considering.
- Don’t pay for items that you already have. Selected credit cards will provide towing service. And of course, AAA provides a wide range of services including towing. If you are paying for towing coverage on your auto insurance policy, make sure you don’t have towing coverage through another company.
- Take a “Defensive Driving” course. If it is a state-approved course, you may qualify for a discount with your insurer. In fact, the insurance savings may pay for the entire course!
Low cost Ohio auto insurance rates are just a click away. If you think you’re paying too much, you probably are! If you don’t have current coverage, Ohio state law requires minimum liability limits. The quotes that you view will include coverages that satisfy the state requirement.
Health insurance for children in Ohio is available and very affordable. Most large Ohio companies such as Medical Mutual, Anthem Blue Cross, Aetna and Humana feature low cost health insurance plans for children. However, a few insurers, such as UnitedHealthCare, will no longer issue “child only” policies, a direct result of President Barack Obama’s health care reform.
We are Ohio’s premier trusted resource for affordable children’s health care, and guarantee the quotes you view on this website are the lowest rates allowable by the state. We feel it is important to take the time to research all of the available plans and find the policies that fit within your budget and offer the coverages you need.
Ohio individual health insurance rates for children are extremely inexpensive compared to other states. For example, shown below are the monthly rates to provide comprehensive coverage on a healthy five-year old male in the seven largest cities in Ohio.
$70 Dayton Area
$73 Cincinnati Area
$73 Columbus Area
$73 Youngstown Area
$74 Cleveland Area
$76 Akron Area
$76 Toledo Area
These monthly rates are based on Medical Mutual’s “SuperMed One Elite” plan with office visit and prescription coverages included. Most office visits and prescriptions are not subject to a deductible. The major medical deductible is $2,500 and most child preventive benefits are not subject to a deductible. Copays on office visits are only $30. ($40 for specialists)
Typically, Medical Mutual and Anthem Blue Cross offer the most competitive health insurance rates for children in Ohio.
Lower cost plans are also available that feature limitations on office visit and prescription benefits and higher out-of-pocket costs for inpatient and outpatient major medical claims. Monthly rates reduce to approximately $42-$56 per month if there are no existing health conditions. Anthem’s “SmartSense” plan is the most popular option for this type of coverage. However, only three office visits per person per year are allowed without meeting the deductible.
.For low-income families, Ohio Medicaid offers two options for children to obtain health care. Healthy Families is available to families with income up to 90% of the federal poverty level. "Healthy Start" is available to families with income up to 200% of the federal poverty level. Once a child becomes eligible for Medicaid, they will be entitled to Healthcheck services. Healthcheck covers 10 medical exams during the first two years of life and annual wellness exams thereafter.
The quote button at the top of the page will illustrate current rates. Or, you can talk to a live person at (888) 513 6446.
UPDATE: As of September 23 (2010), many Ohio health insurance companies will NOT offer health care coverage to children under 19 that are not covered on their parent's policy. President Obama's health care reform initiatives have forced this change by the carriers that is making it much more difficult to obtain children's coverage. Please call or email us for additional information.
UPDATE: As of September 2011, all companies have eliminated plans that insure children only (under age 19). However, short-term plans are available. Rates are very low although all claims are subject to the deductible. It's the best option at this time.
Ohio health insurance comparisons are available at no cost. As the recognized resource for affordable health insurance plans, we systematically compare all of the available individual and family policies from the top companies. But most importantly, we help you find the most suitable plans that fit into your budget and still provide the coverage that you need.
The quotes you view on our website are always the lowest rates available from each company and also the lowest rate filed with the Ohio Dept. Of Insurance. We’re located here in Ohio and have been helping customers for more than 30 years!
Each health insurance comparison that we provide is specifically designed for you. We realize that a single 30 year-old male will have different needs than a family of four. Whether you are single, married, working for yourself, or jobless, within a few short minutes, you can easily compare policies and apply for coverage. Perhaps most importantly, unlike many online websites, we never share your personal information with any other person or company. We don't ask for your social security number or your phone number!
Our website helps you compare Ohio health insurance plans in many ways:
· Price-Perhaps the most common method of shopping…You can easily pick a monthly premium you would like to pay and view plans in that price range. Naturally, the lower the price, the less benefits you will receive. A major medical health insurance (only) policy will substantially reduce your premium.
· Company-It is not uncommon to request a policy from a specific company you have been previously insured with, or have recently been covered through a group plan. Whether it’s Anthem Blue Cross, Aetna, Medical Mutual, United Healthcare, Humana or another smaller company, you will be able to view plans from many companies… or just one company. And there are differences in coverage, so please use our help if you need it. We don't work for a single carrier. We are very unbiased and we work for you!
· Type Of Plan-Whether you want a comparison of catastrophic plans, comprehensive plans or Health Savings Accounts (HSAs), you can select the type of coverage that suits you best, and view only those types of policies. We try to make it as easy as possible to find and compare the type of coverage that best fits your budget and meets your objectives. For example, if you want to keep premiums low and cover only large claims, there are specific plans that will do that.
· Coverage-Higher deductibles can substantially reduce your premium. A popular Ohio health insurance comparison is viewing medical plans with deductibles of $5,000 or higher. Possible savings of thousands of dollars per year in premiums can easily offset the increased out-of-pocket costs. We’re happy to review the best high deductible plans for your specific situation. And of course, low-deductible plans are plentiful.
When you are comparing different medical plans, it’s important to be able to make an informed decision by utilizing current resources that provide the information you need. Ohioquotes.com is the leader for low cost Ohio health insurance information. Our tools, information and state-of-the-art software allow you to view all available policies. We regularly update all quotes and allow you to apply for coverage online, by email or by fax.
Health insurance does not have to be costly. Many plans will include coverages that you will never use or you are extremely unlikely to use. Also, many times it is not worth paying thousands of extra dollars for a benefit that will only cost you a few hundred out-of-pocket dollars. We’ll identify these coverages and recommend alternatives that will reduce your premium.
The "Instant Quote" button is at the top of the page. Or, if you prefer, you can contact us with your details. The information you provide is never shared.
Humana Ohio short term health insurance plans are extremely affordable and one of the least expensive Ohio health insurance plans. This temporary low cost plan is ideal for people who only need medical coverage for a short period of time. If you are on COBRA, a graduating student, unemployed, a temporary or seasonal employee, or waiting for Medicare eligibility, than this type of coverage may be your best option. Humana’s Network of doctors and health care providers is widely accepted in Ohio and most parts of the country. Current health reform changes could impact your short term health care options and we will thoroughly discuss and review any changes that will lower your rate.
We offer Humana Ohio short term health insurance coverage at the guaranteed lowest allowable rate. There simply is no other broker or website authorized to offer a policy at a lower rate than you see on this website. Also the application process takes less than 20 minutes and most applicants are approved within 24 hours. When you pay the full premium (as opposed to monthly), you can receive a discount up to 20%. When we apply for coverage, and you have no existing conditions, you may be approved immediately.
Typically, deductible options range from $500 to $5,000 and Humana will pay either 80% or 100% of most Network expenses once the deductible is met. Additional standard benefits include office visits, diagnostic lab tests and X-rays, inpatient and outpatient services, surgeries and emergence services. Some preventive benefits are also covered such as Pap smears, mammograms, child health supervision services and colorectal cancer screening. Some prescription and transplant services are also included.
Sample Humana Ohio Short Term Monthly Rates:
50 Year-Old Male in Cincinnati area
$76 $5,000 Deductible
$92 $2,500 Deductible
$132 $1,000 Deductible
40 Year-Old Female in Columbus area
$46 $5,000 Deductible
$54 $2,500 Deductible
$78 $1,000 Deductible
Family of Four (Male 45 Female 45 & Two Children) in Cleveland Area
$170 $5,000 Deductible
$205 $2,500 Deductible
$298 $1,000 Deductible
This temporary plan does not pay benefits for any pre-existing condition. If you recently left or lost your job through your employer, AND you have a pre-existing condition and are eligible for Cobra, a short-term plan may not be the best option. Also, no benefits will be payable for expenses resulting from services not medically necessary, services not authorized by a healthcare practitioner, charges in excess of maximum allowable fees, hospice services, and any drug, medicine or device that is not FDA approved. A full set of exclusions is viewable in the policy outline.
To instantly view, compare or apply online for Humana Ohio short term health insurance coverage, please click on the “Get Instant Quote” button at the top of the page. If you would like to talk to a live person, please call (888) 513 6446. We’ll help you select the plan that provides the best coverage for your budget.
