Who are the major Ohio health insurance companies?

Anthem Blue Cross, Aetna, United Healthcare and Medical Mutual offer the most competitive rates in Ohio. Humana, Assurant and Celtic offer very competitive short term temporary health insurance rates.

What if I only need coverage for a few months?

An Ohio “short-term” policy might be your best option. Premiums are substantially lower than regular policies and you can pick the number of months you would like to be covered.  Applications are brief and are often approved within 24 hours. As previously mentioned, Humana, Assurant and Celtic offer very low short-term rates. UnitedHealthcare should also be considered.

What is “catastrophic” health coverage and should I consider it?

“Catastrophic” health insurance plans are designed to cover major medical expenses, such as hospital visits, surgical expenses and emergency room charges. Ohio Premiums are quite low, but office visits and prescriptions are generally not covered. For healthy individuals and families, this type of coverage can potentially save a substantial amount of money, and is worth considering.  A common catastrophic plan is a "High Deductible Health Plan," (HDHP) which is required to take advantage of a Health Savings Account. One positive is that preventive benefits are usually included.

What is a PPO?

A PPO is a “preferred provider organization that negotiates lower rates with groups of doctors, hospitals and other health care providers. Membership in the PPO provides a substantial discount below their regularly charged rates. Most Ohio health insurance companies offer PPO policies, and they are the most popular type of coverage. In most parts of the state, there are a large number of available Network providers.

Will my pre-existing condition be covered?

That depends on the type of condition and the health insurer you are applying with. Many pre-existing conditions are covered by Ohio health companies. Anthem, Medical Mutual and Aetna are more likely to cover certain conditions than other companies. Sometimes, an existing condition will be covered, although rates may increase to pay for expenses paid by the insurer. Typically, you must have prior credible coverage to have your pre-existing condition covered. Under current national health reform, children under age 19 can purchase a policy (if available) without being denied coverage. In 2014, no applicant can be denied medical coverage.

How much do I have to pay to use this Web service?

There is no cost for our services and we never charge any fees. We can also guarantee that you will receive the lowest allowable premium in Ohio since the Ohio Department of Insurance regulates rates. No other company or website can legally quote a lower rate.

How many brokers are going to call me after I submit my information?

Probably none! Generally, I do not call website visitors unless requested. Also, I never share your information with any other person, company or website. Many other websites will sell your personal information, resulting in multiple calls and emails from out-of-state brokers and agents. However, if emailed or called, I will promptly get back with you.

Can I buy a customized Ohio health insurance policy?

Yes, you can. Once we have determined the type of coverage you want, we can create a personalized plan that features the deductibles, copays and premium that you want. We’ll make sure that your doctors are Network-approved and the company is highly-rated. The coverages and rate will match your needs and budget.

How long do I have to keep my policy?

Fortunately, almost every policy we represent allows you to cancel the plan at any time. Whether you need coverage for a month or 20 years, you are never required to keep the policy any longer than you want. Cancellation of policies is quick and easy, and refunds are promptly returned by the insurers.

I already have health insurance but my rate keeps increasing. Should I change?

If you are in good health and there is a substantial savings by purchasing a new health policy, it may advisable to apply for new coverage. However, it is imperative that you do not cancel the existing policy until you have been approved and have had ample time to thoroughly study the new policy.