Low Cost Ohio health insurance plans are available through most major Ohio health insurers. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna and Humana feature low cost Ohio health insurance policies that are extremely affordable.
Low cost health insurance plans often contain coverages found in more expensive policies. While catastrophic expenses are usually covered, additional benefits such as office visits, prescriptions, preventative exams and lab/X-ray costs are also sometimes included.
By clicking on the “Get Instant Quote” button at the top of this page, you’ll be able to instantly view and compare almost all of the available Ohio health insurance plans at the lowest rate allowed by the state. However, before you view your options, I have listed below some low cost Ohio health insurance plans with surprisingly comprehensive benefits.
UnitedHealthOne Copay Saver plan allows two office visits per person per year (subject to a $35 copay). Generic prescription coverage is included and subject to a $15 copay. Adult and children preventative doctor office visits are also included and subject to a $35 copay. Mammograms, Pap smears and PSA testing are subject to the deductible. A wide range of deductibles is available, making this plan one of the most affordable Ohio low cost health insurance policies.
Anthem Blue Access Value plan also allows two office visits per year, with a $30 copay. Generic and Brand-name Formulary prescriptions are covered. However, like most low-cost plans, Non-formulary prescriptions are not covered. Most preventative services are included but subject to the major medical deductible. A generous $5 million lifetime maximum benefit is also included. This Anthem Ohio health plan often costs less than all of the other “low cost” plans. However, it also lacks some of the coverages found in the other plans.
Anthem SmartSense Generic RX plan is a slight upgrade from the Anthem Value plan. Three (instead of two) office visits are covered, subject to a $35 copay. Subsequent office visits are subject to a deductible. Other office visit services are covered at 70%. Generic formulary prescriptions plus a limited number of brand-name drugs are subject to a $15 copay or 60% (whichever is higher). Some child preventative coverage is included and the annual lifetime maximum of $7 million is quite high for a low cost Ohio health insurance plan. Aetna Preventive and Hospital Care 3000 plan is perhaps the ultimate “low cost Ohio health insurance plan. Premiums continue to be low, despite a rate increase in mid-2009. Essentially, the plan is a catastrophic policy that also includes comprehensive preventive coverages. Annual routine GYN exams, Pap/mammogram and routine physicals are all covered without having to meet the $3,000 policy deductible. The annual lifetime maximum of $1 million is adequate. Aetna Ohio medical plans have been growing in popularity since 2005.
UnitedHealthOne Copay Select plan offers the most coverage of any of the low cost plans. Unlimited covered office visits are subject to a $35 copay and most preventative benefits are included (subject to a 90-day waiting period). Generic and non-generic prescriptions are included along with a dental/vision discount program included in the premium. However, to keep premiums low, a major medical deductible of at least $3,500 should be selected. In many areas of Ohio (especially the Central and Southwestern part), this health insurance plan is extremely popular.
These five low cost plans should always be considered when evaluating affordable Ohio health care. But there hundreds of additional policies offered by the major health insurers, and some may be the best option for you. That’s where we can help. We’ll research all of your options…not just a few.
To instantly view, compare or apply for the most affordable Ohio health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Or, you may call us at (888) 513 6446. Your information is never shared with any other person or company.
