Low Cost Ohio health insurance plans are offered through this website. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna, Celtic and Humana feature low cost Ohio health insurance policies that are extremely affordable. Premiums for individuals, families, the self-employed or the unemployed will be much lower than you realize after viewing some of the plans.
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. Most preventive benefits are now covered at 100% with no waiting period. Recent health care reform changes mandated the preventive benefits coverage along with a few other extra items including the elimination of lifetime caps on benefits paid. These extra benefits also apply to high-deductible policies.
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 available rates. However, before you view your options, I have listed below some low cost Ohio health insurance plans with surprisingly comprehensive benefits.
UnitedHealthOne Copay Select Value 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 but no copay applies. Mammograms, pap smears and PSA testing are also covered with no cost to policyholders . A wide range of deductibles is available, making this plan one of the most affordable Ohio low cost health insurance policies.
Anthem SmartSense Plus Standard RX plan is a slight upgrade from the Anthem Value plan (which is no longer available). Three (instead of two) office visits are covered, subject to a $35 copay. Subsequent office visits are subject to a deductible, although a Network discount may apply. Formulary prescriptions are subject to the greater of a $15 copay or 40% . Non-formulary drugs receive the Anthem negotiated discount. Adult and child preventative coverage is included and the annual lifetime maximum cap has been removed due to national health care reform.
Celtic Basic plan provides two office visits that are subject to a $30 copay. The deductible and coinsurance applies to subsequent office visits. Adult and preventive benefits are covered "first dollar" while generic and name-brand prescription coverage is included subject to a $1,000 deductible.
Aetna Preventive and Hospital Care 3000 plan is perhaps the ultimate “low cost" 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 has been removed. 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. 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 $2,500 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. And if your need is temporary, we'll consider a "short-term" plan, which is the lowest type of health care coverage.
Please don't hesitate to call or contact us with questions. We know Ohio plans better than anybody since we are located here and have 30 years of experience providing help to thousands of clients. And of course...you never pay any fees.
