Of course, the answer is not simple and is not a “one glove fits all” solution. Based upon my 31 years of experience as an unbiased broker, if you have been with the same company for more than three years AND your rates have been steadily increasing more than expected, it may be time to compare Ohio health insurance rates.

There are many other factors to consider such as what (if any) medical conditions you have, alternative options your current carrier offers, and how long you plan on keeping your coverage. Of course there is never a fee to compare rates from different carriers and if you apply, you are never under an obligation to accept an offer. And usually, you have ample time to consider the offer.

The offer may provide higher coverage, lower out of pocket costs on major claims, and hundreds of dollars in savings each month. In that particular situation, the offer should be strongly considered. It’s also important to consider the network of facilities and physicians of the new company, although most of the large health insurance companies have extremely large provider networks here in Ohio.

We specialize in finding the medical coverage that offers you the benefits that you expect to have and doesn’t charge you for benefits you will never use. Through a combination of ultra-modern software and decades of hands-on experience, we will provide you with the lowest cost options from the premier Ohio health insurers. And we'll help you understand why certain plans are better for you than others.

After you have provided some basic information (No…we don’t need your phone number or address), almost instantly, you’ll be able to compare similar plans to what you have, and easily decide if it’s worthwhile to apply for a different policy. Of course, we’ll help provide specific details and differences of the plans you are evaluating, to make the decision process much easier.

When Should You Not Change Your Ohio Health Insurance?

If you are being treated for a serious medical condition, such as cancer, heart disease, AIDS, rheumatoid arthritis, diabetes, or cerebral palsy, you must keep your current coverage. There are other serious ailments that also fall into this category. If you apply for a new underwritten individual policy, the application will be declined and any payment will be refunded. If COBRA is an option, you should enroll.

Also, if you have just had a surgery and are still receiving treatment, you may want to wait until you are no longer under your physician’s care. Once you have that release, your chances drastically improve of getting approved for new coverage. However, if you are receiving ongoing maintenance medication (such as blood pressure, thyroid etc…) it should not (by itself) cause your Ohio health care application to be declined.

If you’re still a bit unclear about what you should do, either contact us (see contact information in upper right-hand side of page) or call us at (888) 513 6446. We’ll use more than 30 years of unbiased experience to advise you what you should…or should not do. And of course….there are never any fees. Just a few bad jokes every now and then.