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 (SCHIP) 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.
To instantly view, compare or apply for Ohio health insurance for children, simply click on the “Get Instant Quote” button at the top of the page. Or, you can talk to a live person at (888) 513 6446.
Ohio health insurance comparisons are available at no cost. As Ohio’s leading resource for affordable health insurance plans, we systematically compare all of the available individual and family plans from the top companies. But most importantly, we help you find the specific plan that fits into your budget but still provides the coverage that you need. The quotes you view on our website are guaranteed to be the lowest rates available from each company and also the lowest rate allowed by the Ohio Department 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 to fit within your personal budget and offer the most affordable Ohio health insurance plans. Whether you are an individual, a family, self employed or unemployed, instantly, you can easily view, compare or apply for coverage. Perhaps most importantly, unlike many online websites, we never share your personal information with any other person or company.
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.
· 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.
· 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.
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 leading trusted resource for low cost Ohio health insurance information. Our tools, information and state-of-the-art software allow you to view the guaranteed lowest allowable rate available in the state. 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 expensive. 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.
To instantly view, compare or apply for medical coverage from the top carriers in the country, please click on the “Get Instant Quote” button at the top of the page. You can also call us at (888) 513 6446.
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.
Ohio health insurance reform information is regularly updated on this website (See bottem of page). Ohioquotes.com is the premier trusted resource for up-to-date Ohio health care reform information and affordable Ohio health insurance plans. Instantly, you can read about the most current health insurance reform changes and also view, compare or apply for Ohio health insurance coverage at the guaranteed lowest rate allowable by law.
In March 2010, the US House of Representatives passed H.R. 3590 – The Patient Protection And Affordable Care Act and H.R. 4872 – The HealthCare and Education Reconciliation Act of 2010. Most of the legislation will go into effect in 2014. However, some of the changes will be implemented in 2010 and 2011.
Ohio Health Insurance Reform Changes For 2010
No Exclusion For Children And Coverage Extended to 26th Birthday
In approximately six months, health insurance companies will be prohibited from adding pre-existing exclusion riders to children’s coverage. This will apply to all Ohioans in 2014. Also, young people, up to their 26th birthday, may remain on their parent’s health insurance plan. Currently, many companies require children (that are not full-time students) to obtain separate coverage by age 19.
No Lifetime Maximum
In approximately six months, lifetime limits will be removed from Ohio health insurance plans. This part of the reform package will likely never affect you since individuals and families rarely come close to exceeding their maximum limit.
No Rescission
Health insurance companies will not be able to rescind policies when a person becomes ill. This practice is rarely used.
Temporary High Risk Pool For Ohio Residents
Within 90-120 days, Ohio health insurance reform will utilize a temporary national high-risk pool to provide health insurance to Ohio citizens with pre-existing medical conditions. If uninsured for the last six months, a high-risk pool will be set up that offers subsidized premiums. Presumably, these premiums will be less than the current “Ohio Open Enrollment” rates. You will not be required to pay more than $5,950 for medical expenses (family limit is $11,900).
Indoor Tanning Tax
Starting July 1, there will be a 10% tax on indoor tanning services. And no…I am not making that up!
Preventive And Wellness Benefit Change
New Ohio plans must offer wellness and preventive benefits without copays or deductibles. Currently, most comprehensive plans have small copays but no deductibles on wellness coverage.
Ohio Health Insurance Reform Changes For 2011
Over The Counter Drug Exclusion
Starting in 2011, over-the-counter drugs not prescribed by a physician, will not be eligible for tax-free reimbursement through an HSA, HRA or FSA.
Ohio Health Insurance Reform Changes for 2014
Ohio Health Insurance Exchange
The Ohio health insurance exchange must be created by 2014 and must be administered by a non-profit organization or government agency. The exchange will offer plans that meet stated required guidelines. We do not charge any fees for helping you find a plan in the exchange and the rate we quote for you will be the guaranteed lowest rate allowed by the state.
Change In How Your Rate Is Determined
Pre-existing condition clauses and medical underwriting will no longer be allowed. Ohio health insurance companies will be prohibited from denying coverage or basing rates on any health-related factor such as medical condition, health status or prior claims experience. Premiums will vary by age, smoking status and other factors. However, existing individual plans will not be subject to the new guidelines.
Tax Credits To Pay For Coverage
Tax credits will be given to individuals to help pay their Ohio health insurance premiums. To qualify for the credit, income must be between 100% and 400% of the federal poverty line. For example, a family of four earning less than $88,000 per year would qualify for a partial credit. Lower incomes, of course, would receive larger credits. But you will have to buy a policy to receive the credit.
Get Health Insurance Or Pay A Penalty
Perhaps the most controversial part of health reform is that Individuals must have health insurance coverage or pay a penalty. Starting in 2014 and gradually phased in through 2016, individuals who fail to maintain coverage will be subject to a penalty of $695 per year or 2.5% of income, whichever is higher. Failure to maintain coverage, however, will not result in criminal actions or fines. Penalties seem to be too low and enforcement will have to be modified.
Ohio Health Insurance Exchange Requirements
Any health insurance plan issued through the Ohio health insurance exchange must provide medical benefits that include cost sharing limits. Coverage will be available in four benefit categories: Bronze (60% Coinsurance), Silver (70% Coinsurance), Gold (80% Coinsurance) and Platinum (90% Coinsurance). A lower-cost catastrophic plan must be offered to individuals under 30 and any other individual that is exempt from the insurance requirement.
If you have any questions regarding Ohio health insurance exchanges, health reform, or Ohio health insurance plans, please don’t hesitate to call us at (888) 513 6446. You may also email us at eharris@ohioquotes.com
Helpful Links:
HealthCare Package Timeline
U.S. House Of Representatives Anaylysis
Congressional Budget Office Report
U.S. House Of Representatives Individual Vote Results
UPDATES:
March 31 2010- Although the wording in the bill is vague, the health insurance industry agreed with the section in the health reform law requiring them to provide insurance to children with pre-existing health conditions. This coverage will be provided within six months although rates could be very high.
April 20 2010- Fraud alert! The BBB (Better Business Bureau) is reporting several scams involving people going door-to-door selling phony health insurance plans, referencing health reform and saying you have limited amount of time to take advantage of the new health care. Health insurance is never sold door-to-door, so be careful if you are targeted.
April 21 2010- Wellpoint, the parent company to Anthem Blue Cross, announced as of June 1, it will allow dependents under age 26 to remain on their parent's policies. Even though the new law is not effective until September, Wellpoint is taking steps to prevent a gap in coverage.
May 4 2010- It appears that UnitedHealthCare (Golden Rule in Ohio) will no longer issue "child only" policies. Mysteriously, UnitedHealthCare's Ohio health insurance rating software no longer covers children under age 18 unless they are listed under a parent's policy. As of September, anyone under age 19 can not be denied coverage. It is highly possible that a few other companies may also eliminate "child only" policies.
May 7 2010- The Commisioner of Insurance for the state of Georgia wants no part of the first phase oh health carereform and is questioning the constitutionality of the law. We were able to obtain a copy of the letter he wrote to Kathleen Sebelius. Here it is!
May 7 2010- The "High Risk Pool" for persons unable to qualify for coverage may be ready on July 1. No details on rates and qualifications are still sketchy.
July 7 2010- Under a new law that went into effect on July 1, unmarried Ohio children to age 28 can remain on or be added to their parent's policy. The federal mandate is only to age 26.
July 7 2010- Ohio's new high risk health insurance pool will begin in August. Medical Mutual will operate the pool for Ohio residenrs with major pre-existing conditions such as heart disease and cancer. The program will terminate in 2014 when health insurers will no longer be allowed to deny coverage for health conditions.
July 9 2010- Under health care reform legislation, health insurance policies can be "grandfathered." Anthem provides a nice explanation regarding "grandfathering." Read about it here.
July 27 2010- Guidelines for Ohio Health Insurance Risk Pool are listed below:
Ohioans with pre-existing health conditions, such as cancer or diabetes, can apply for coverage under a new high-risk insurance pool beginning Aug. 1. To qualify, applicants must:
- Provide evidence of a pre-existing condition: written certification by a licensed physician or nurse practitioner, issued within the past six months; or, copy of documents verifying two carriers have refused to issue creditable coverage within the previous six months, or would issue coverage only with an exclusionary rider.
- Have proof of Ohio residency: valid Ohio driver's license, state government ID, payroll stub, Ohio voter registration card, utility bills, rental agreement or Ohio income tax return.
- Have proof of U.S. citizenship, a national of the U.S. or lawfully present in the U.S.: birth certificate, passport or visa.
- Be uninsured for six months prior to the date of applying for coverage.
- Be ineligible for coverage under the Medicare program, the Ohio Medical Assistance Program, the Ohio Children's Health Insurance Program, or an employer-sponsored group health plan, unless subject to a mandatory initial waiting period.
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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 $2 million of lifetime benefits with a large range of coinsurance options. Premiums are significantly lower than the Anthem Premier, SmartSense and Value plans.
The Anthem Ohio CoreShare health insurance plan requires you to pay a higher share of the cost of covered services compared to other Anthem plans. It is ideal for individuals and families that seek protection against catastrophic medical expenses. Access to 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.
As the premier resource for affordable Ohio health care, we offer the Coreshare plan through this website at the guaranteed lowest allowable 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.
To instantly view, compare or apply for Anthem CoreSHare Ohio health insurance coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
Anthem Ohio CoreShare Health Insurance Plan Brochure
Springfield Ohio health insurance rates are extremely affordable. Rates in Clark County and other surrounding counties are among the lowest in the state. Many major health insurance companies use zip codes when determining the premium to charge the consumer. Residents in the 455 zip code often receive very affordable rates.
Anthem Blue Cross, United HealthCare, Aetna, Medical Mutual and many other major companies charge lower rates in the Springfield area than most other areas. Compared to Northern Ohio, Springfield rates can be 30% lower for the same coverage. Physician and hospital charges are often very competitive in the Clark County area, and those help reduce health insurance rates.
For example, a 40-year old healthy male can purchase a catastrophic policy from UnitedHealthOne for only $46 per month. A comprehensive plan, including major medical, office visit and prescription coverages, will cost only $76 per month (United HealthOne's Copay Select plan or Anthem's SmartSense Generic RX plan). Naturally, Ohio health insurance policies are subject to underwriting, which could affect rates.
Also enjoying low Ohio rates are the Columbus and Dayton areas. Historically, Ohio’s lowest health insurance rates have been in the Central and Southwestern portion of the state. Cincinnati area rates are also very affordable when compared to most other parts of the state.
Ohioquotes.com is Ohio’s premier resource for Ohio health insurance plans. To instantly view, compare or apply for high-quality Ohio health care, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared or sold to any other person or company.
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Akron Ohio health insurance is available from all of the major carriers, such as Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual and Humana. Plans for individuals, families, the self-employed and the uninsured are easily viewed on this website. You can easily choose the coverages you need and pick an affordable Akron health care plan that fits within your budget.
Rates in the Akron area tend to be much lower than other parts of the country. For instance, Akron health insurance rates are about 15% lower than rates in neighboring states Pennsylvania and Indiana. The least expensive type of coverage is a short-term temporary plan. This type of policy is typically approved in less than 36 hours and is ideal if you are unemployed, between jobs, a graduating student or laid off.
Some of the more affordable Akron, Ohio health policies are Anthem Blue Cross’ “Value" and "SmartSense" Plans, UnitedHealthCare’s “Copay Saver” and “Saver 80” Plans, Aetna’s “Preventative and Hospital Care Plan,” and Humana’s “Monogram Plan.”Also, by raising the major medical deductible, you can substantially reduce your rate.
For example, assuming a family of three in Summit County, your premium can reduce by more than $2,000 per year by raising the deductible. Eliminating unneeded coverages will also reduce the Akron Ohio health insurance rate. "Catastrophic" only policies will save the most premiums. Ohio Health Savings Accounts (HSAs) should also be considered to reduce premiums. An HSA is an alternative to traditional health coverage that allows consumers to pay for current health expenses on a tax-free basis.
For applicants that have major health problems, or have been denied health insurance coverage by more than one company, you may be eligible for coverage through the Ohio Department of Insurance. Health Maintenance Organizations (HMOs) offer an alternative to traditional coverage. HMOs accept individuals during their “Open Enrollment Period” regardless of any pre-existing condition. However, recently the program has become unavailable due to the large volume of Ohioans applying for coverage.
For an instant Akron Ohio health insurance quote, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company. You can also talk to a live person by calling us at (888) 513 6446.
Affordable Cincinnati health insurance rates are available from most of the major insurers. As Ohio's leading resource for individual and family Cincinnati area health insurance plans, we take the time to review all of the major health insurance companies and their most affordable plans. The quotes that we provide are guaranteed to be the lowest available rate allowed by the state. There simply is no lower rate legally available from any other person or website.
Most of the large Ohio health insurance companies offer low cost health insurance in the Cincinnati area. These companies include Anthem Blue Cross, Medical Mutual, Aetna, UnitedHealthOne, Humana, Assurant and a few other smaller companies. Our goal is to carefully evaluate your specific situation and recommend the policy that completely meets your needs at the lowest possible cost. We'll find the low cost Cincinnati policies for you. And we'll also review how recent health care reform could possibly reduce (or increase) your premium.
Cincinnati health insurance rates tend to be lower than areas in the Northern portion of Ohio. Some of the lower-cost counties in the Cincinnati area include Hamilton, Warren Clermont and Butler. Other surrounding counties also enjoy low rates such as Clinton, Brown, Montgomery and Highland. A typical health plan in Southwestern Ohio will cost approximately 10%-20% less than similar policies in the Akron, Toledo and Cleveland areas. And recently, Medical Mutual rates have become extremely competitive in Hamilton County. Medical Mutual Health Savings Accounts rates are also extremely competitive.
Reasons for more favorable rates in these areas include lower office visit charges, reduced hospital costs and less medical claims in recent years. For example, a family of four in the Cincinnati area can often pay $2000 less per year than a similar family in the Northern part of the state.
Other factors that can influence Ohio health insurance rates include age, smoking status, health conditions and height/weight. As an experienced local broker since 1980, I'll research and find the most affordable options for you. I believe it is important to consider only the major "A" rated companies and never consider any type of "medical discount" plan. Your Cincinnati health quote only includes high quality companies that offer a wide range of policy options.
To instantly view and compare affordable and high quality Cincinnati area health insurance plans, please click on the "Get Instant Quote" button at the top of the page. The information you provide is never shared with any other person or company. And unlike many online services, we never charge any fee for our services. Not even a penny!
Cincinnati Area Hospitals
Good Samaritan Hospital
University Hospital
Jewish Hospital
Christ Hospital
Children's Hospital
Mercy Hospital
Deaconess Hospital
Anthem Ohio health insurance quotes are available online at the guaranteed lowest rate allowed by the state. Anthem Blue Cross Ohio policies include catastrophic plans, comprehensive plans and Ohio Health Savings Accounts (HSAs). In most parts of Ohio, Anthem's rates are quite competitive when compared to the other major companies, such as Aetna, Medical Mutual, UnitedHealthcare and Humana and Assurant. Anthem health care plans offer affordable coverage to individuals, families, the uninsured, the unemployed, students or any person on Cobra or getting ready to obtain Medicare benefits.
Two of Anthem’s new health plans are the “SmartSense” and “Premier” plans. Both plans are designed to provide comprehensive health care at affordable prices. Each plan provides major medical coverage along with other selected coverages. Online Anthem rates can be easily viewed on this website.
The Anthem “SmartSense” plans allow three office visits per year (per person) subject to a $35 copay. Additional office visits are subject to a deductible. A wide assortment of prescription coverages is available although preventative benefits are generally not provided. This plan can be designed to meet specific needs, and is one of Anthem’s lowest cost Ohio health insurance plans.
The Anthem “Premier” plans allow unlimited covered office visits subject to a $30 copay ($40 for specialists). This plan is a good choice for families with children. Comprehensive prescription coverage is included with various options to adjust the level of coverage. Many preventative benefits are also included. Maternity coverage is an available rider and many optional major medical deductibles are available.
As an independent broker, I review all of the major Ohio health plans, and only recommend the policies(s) that provide you with maximum coverage at the lowest available cost that meets your particular budget. To instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
Cheap Ohio health insurance plans are available from many of Ohio's major health care providers such as Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual and Humana. Individuals, families, the self employed, the uninsured, students and those persons on Cobra can apply for cheap health insurance through our website. As Ohio's premier trusted resource for low cost medical coverage, we guarantee the rates you view are the lowest allowable by the state.
Catastrophic plans are the least expensive type of health care coverage. Typically, this type of plan provides major medical benefits that are subject to a deductible, ranging from $250 to $10,000. Naturally, the higher the deductible, the lower the rate. An Ohio HSA may be compatible with this type of coverage if it is defined as a "High Deductible Health Plan" (HDHP). HSA rates are generally much less expensive than conventional health plans.
And now…presenting Ohio’s cheapest health insurance plans: (Single rate based on 35 year-old male. Family rate based on 35 year-old male and 35 year-old female plus one child. Franklin County)
* $111 (Family) & $47 (Single) Saver 80 plan from United Healthcare. Catastrophic plan with $5,000 deductible. Limited prescription coverage with $3 Million lifetime benefit.
* $139 (Family) & $48 (Single) Lumenos HSA plan from Anthem Blue Cross. Very popular plan that provides 100% coverage after deductible is met. Preventive benefits are not subject to the deductible. $5 million lifetime benefit.
* $153 (Family) & $58 (Single) Copay Select plan from UnitedHealthcare. Unlimited covered office visits with good prescription and preventative benefits. $7,500 deductible applies to major claims. Very cheap premium considering the benefits.
* $156 (Family) & $55 (Single) Monogram plan from Humana. 100% coverage after $7500 deductible is met. Preventative coverage not subject to deductible. $2 million per person lifetime benefit. One of the better “cheap” policies.
* $167 (Family) & $55 (Single) SmartSense plan from Anthem Blue Cross. Two office visits allowed (per person) per year along with generic prescription coverage. $5,000 deductible applies to major claims.
* $176 (Family) & $57 (Single) Preventative & Hospital Care 3000 plan from Aetna. Catastrophic coverage subject to $3,000 deductible. Very good preventative benefits not subject to deductible. $1 million lifetime benefit.
(Rates updated Summer 2010)
Six cheap Ohio health insurance plans…and if you don’t have a lot of claims, they may be worth considering.
To instantly view, compare and apply for an Ohio health insurance plan, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company. Or call us at (888) 513 6446.
Affordable Ohio student health insurance from Ohio's leading resource for student health insurance policies. Instantly view and compare plans.
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When you buy Ohio health insurance plans, it is extremely important that your policy is issued by a reputable "A" rated company, and the coverages match your specific needs. The policy you buy should contain the coverages you are likely to use most, and omit particular coverages that you may not need or want...such as maternity coverage, or children's preventive coverage. If you don't recognize the name of the company, it may be a "discount plan," and not standard medical coverage.
Never provide your personal information to an out-of-state website or a broker that does not specialize in Ohio health insurance plans. Ohioquotes.com is the premier resource for buying Ohio health insurance plans. We only represent the highest-rated companies, and unlike many online services, we never share your information with any other person or company.
Please review these tips before purchasing a policy.
· Determine if your need is short-term or long-term. If you only need coverage for six months (or less), an inexpensive short-term policy will be the best option.
· Allow us to help you buy the right policy. With our unbiased experience, we’ll make sure you are getting an affordable high-quality plan that provides the coverages you need most.
· If you buy Ohio health insurance from us, please don’t hesitate to call or email any time you have any questions regarding your policy. In many instances, we’ll provide an answer quicker and easier than directly contacting the health insurer. Usually, you can expect to receive a live email response until midnight.
· Consider a “catastrophic” plan or an “ Ohio Health Savings Account” (HSA). If you don’t visit the doctor often and are in good health, the savings could be substantial.
Anybody can go online and buy Ohio health insurance. But, by using our free service, you’ll make certain that you are getting the guaranteed lowest allowable rate, and a resource that will always be available.To view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information remains confidential and is never shared.
Affordable Ohio medical insurance is available to Ohio residents. However, choosing the right medical plan and applying for coverage should be handled by an experienced Ohio broker.Ohioquotes.com is the premier resource for Ohio medical insurance plans and guarantees your quoted rate will be the lowest allowed by the state. Instantly, you can view, compare and apply for high quality Ohio medical insurance policies. And you will not be called unless you specifically request it.
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