Affordable health insurance in Cleveland can be purchased directly from our website in minutes. With the help of federal tax subsidies and other recent changes in legislation, we'll show you the lowest direct rates from all of the top-rated companies. Whether you live in Cuyahoga county or the surrounding area, there are affordable options for your medical coverage.
We provide the best prices from all of the major carriers. No other person, website or Exchange can legally offer a lower premium since plans are regulated to protect consumers. Among the top-rated companies available are Anthem, UnitedHealthcare (Golden Rule), HealthSpan (Previously Kaiser), Medical Mutual, SummaCare, Aetna, Humana and Assurant.
Additional carriers that offer "Exchange" plans include Paramount, Molina, Coventry, Coordinated Health, CareSource, Aultcare and Buckeye. However, none of these companies have a large market share.
The Ohio State Exchange has been operational since late 2013 and Open Enrollment occurs every year (typically beginning in November). After you view your quote on our website, you can purchase coverage. We help you determine if you are eligible for a federal subsidy, and also calculate the amount for you.
Since it is treated as an "instant" tax credit, it immediately reduces your premium. Dependents in your household that are covered through other policies will still increase the amount of your subsidy. Also, a spouse that is Medicare-eligible will generate additional financial aid for other members of the household.
Cuyahoga county is be part of "rating area 11," which consists of four other counties (Ashtabula, Geauga, Lake and Lorain). There are many similar areas in the state, and if you move to a different area, you may be eligible to re-enroll in a different plan since your local provider network may have changed. Prices are likely to be different and some companies (such as SummaCare) may not offer policies in that area.
In some situations, COSE (Council Of Smaller Enterprises) can help small business owners with selecting a plan. With more than four decades of experience and more than 10,000 active members, they can offer recommendations regarding worker's compensation issues, legislation changes, becoming involved in community events, and promoting your company toother consumers and business owners.
Ask us about COSE and whether you can benefit by any of their products. They are located on Huron Avenue and service the entire area. There are many local events that may help increase your client base. Each year they host their "Business Pitch Competition" which awards prize money to the best entries.
Types Of Available Plans
Cleveland health insurance plans include short-term, catastrophic, comprehensive and HSA policies and rates can substantially vary, depending on the available benefits. While we feel it is important to ensure that your benefits match your needs, we believe it is equally important to avoid paying for benefits you will never use.
If you need to secure a policy quickly (within the next few days), we will recommend a policy that substantially reduces the rate, and allows you to keep coverage only as long as you need. Currently, Humana and UnitedHealthcare offer the lowest short-term rates. Medical Mutual's temporary medical plans are more expensive but include office visit coverage.
Temporary policies work best if you have missed Open Enrollment, or are waiting for new benefits to begin, but have a short gap that needs to be filled. Whether you're waiting for Open Enrollment for Exchange benefits, qualify for Medicare, or enroll in a student medical plan, these types of contracts can be both quickly approved and terminated when you don't need it.
The Cheapest Policies
It is possible to obtain reasonable rates in Cuyahoga county or any other part of the state. Raising the deductible on the hospital/surgical portion of the policy can save hundreds or thousands of dollars per year. Increasing copay amounts of office visits and prescriptions can also save significant amounts of premium dollars.
Although there are many cheaper policies, when you view quotes from this site, you'll notice that the Anthem SmartSense and UnitedHealthcare Copay Value plans are very good bargains. These plans are perfect for persons that don't go to the doctor or specialist more than three times per year.
For example, for a family of four in Beachwood, UnitedHealthOne, Aetna, Medical Mutual and Anthem will reduce monthly rates by more than $350 by simply raising the major medical deductible. And changing to a catastrophic policy can also save the same amount of premium. Most catastrophic policies include preventative coverage that is not subject to a deductible.
Health Savings Accounts (HSAs) are also an option worth considering if preventative and catastrophic coverages are your main priorities. HSA rates will vary greatly, depending on the deductible and carrier. I live in Ohio and also have an HSA (family of four). I'll be happy to explain why this type of coverage may be an option you should consider.
We'll help you find the most suitable options so you will be able to view, compare and apply for high quality healthcare coverage. We are "live" persons (Hopefully, we are!) with more than three decades of experience waiting to help. In addition, to giving you lifetime personal service, our quotes are always the lowest available by each carrier. Please feel free to call us any time at (888) 513 6446.
Cleveland Area Hospitals:
St. Vincent Hospital
MetroHealth Medical Center