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Posts Tagged ‘Ohio Health Insurance Quote’

Who Else Knows About Your Medical Conditions?

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Many consumers are not aware that there are many insurance-related businesses that collect and provide medical information to health insurance companies about an individual’s medical conditions and usage of prescription drugs.

Ohio Department of Insurance (ODI) Director Mary Jo Hudson is recommending  consumers should verify the accuracy of any health information collected by these companies.

Ohio life and health insurers routinely request medical information on applicants while underwriting a policy. Often, medical information from prior applications on the same person is used to possibly verify or confirm information.

For example, when an insurer takes an application for health insurance, the insurer may submit certain personal identifying information to one of these insurance support organizations to find out if any other insurer has had the same applicant. If the insurance support organization does have a “match,” the information is sent to the insurer, using certain codes. The insurer receiving the coded information can then question the applicant further about any undisclosed health information.

Under Ohio law, you are entitled to view and correct your personal information. You may view and copy the information in person, or have it mailed directly to you.

The complete article from the ODI can be found here.

We always encourage customers to inquire about privacy matters so they can verify where personal information is going and how secure it is when it gets there. Of course, we always take that extra step to keep your quote and application information safe and secure.

Hazardous Health Insurance Plans In Ohio

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Most consumers don’t worry about the quality of their medical insurance policy. Usually, the company they bought the policy from is reputable, such as UnitedHealthcare, Aetna or Anthem. And if coverage was purchased online, there are many ways to verify that a website is safe and secure.

But maybe all is not as it appears. There are many plans that are overpriced, filled with exclusions and don’t provide coverage for minimum essential benefits, that are mandated by law.

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Consumer Reports published their “Seven Signs A Health Plan Might Be Junk.” They recommend avoiding plans with these features:

·        Limitations on specific benefits

·        Low or vague policy maximums

·   Incredibly low premiums that seem too good to be true        

·        Nominal or missing coverage for the important benefits

·        Ceilings on preventive items

·        Random phrases that appear very confusing or misleading

The entire article can be found here.

Of course, now (four years after this article was written), tougher standards are in place and federal legislation now requires a basic set of preventive benefits to be included in all non-short term plans. Even Medicare supplement policies are subject to rigorous guidelines.

Here’s some good news: Ohioquotes.com NEVER promotes or provides applications for any type of “discounted” plan. We believe that your personal health insurance coverage in Ohio should be issued by a recognized and highly-rated carrier that maintains a large network of established physicians, medical facilities and hospitals.

What Do You Do If You Lose Your Job?

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If you live in Ohio and have recently lost your job…you’re not alone. The state has lost more than 260,000 jobs since 2000, about 5 percent of all jobs. The hardest hit areas have been Trumbull County, losing 20.5 percent of its jobs, and Montgomery County, losing 14.1% of its jobs.

President Barack Obama’s health care ideas are now facing delay, when Tom Daschle, who was chosen to head the initiative, suddenly withdrew his nomination for the health secretary position. Health care reform has taken a back seat to more important matters…such as the failing economy and helping auto manufacturers and some financial institutions.

If you find yourself out of a job, between jobs, or your employer is reducing your hours, your health insurance may be affected.  In many cases, your current coverage extends for a few months (or less), and then the search for an affordable individual medical plan begins. But there are many affordable options, including those persons with serious health conditions.

Cobra is one option. Under this program, workers laid off from companies with 20 or more employees can extend their employee-provided health insurance for 18 months. Of course…premiums are often extremely expensive. And with the current recession and no end in sight, Cobra’s premiums are not a viable health insurance option for many Ohioians.

However, if you have no significant medical issues, such as cancer, diabetes or heart disease, you may qualify for an individual  policy. The application process is simple and physicals are rarely required. The most popular Ohio companies are Anthem Blue Cross, UnitedHealthCare, Medical Mutual, Humana and Aetna. Kaiser and SummaCare are great options in the Northern portion of the state.

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Get Affordable Ohio Healthcare When Not Working

For example, in Franklin County, a nonsmoking family of four (Parents-Age 40 & Children-Ages 8 & 10), with no medical issues, can buy a “catastrophic health” plan for about $140 per month. A “comprehensive” plan, which offers many more coverages, would cost between $250 and $330 per month, depending on the major medical deductible.

Naturally, prices will be substantially less if only one person is insured. Also, existing medical conditions can raise the rate. With your own policy, your coverage is portable, so you may keep the policy as long as you want. Also…with individual coverage, unlike group coverage, your rate is not affected by a large amount of unhealthy persons in the group.

The Office Of Unemployment Compensation can also assist you with other matters besides your medical benefits. They will help you find a job, estimate your unemployment compensation, discuss eligibility requirements and many other helpful topics.

Ohioquotes.com offers free quote comparisons and you never pay any fees for using our website. Feel free to contact us or use the quote engine which gives you instant rates. 

UPDATE: September 2013. A lot has changed since the original article was written in 2009. However, unemployment in Ohio is still a problem. And so is underemployment, where workers often accept positions in which they are vastly overqualified for.

However, a big positive change is that regardless of your health status, you will be able to find quality benefits if you lose your job. And since a federal tax subsidy is now based on your individual or family income, you’ll probably pay much less for a policy now, compared to prices in 2009. If you fall under 400% of the “Federal Poverty Level,” you are entitled to financial aid.

Online Ohio Healthcare Quotes

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Did you really go online and request an Ohio healthcare Exchange quote? Well…let me guess what happened. You received 26 phone calls the first day, and about 15 calls every day for two weeks. If you went on multiple websites, you may still be getting calls!

You're the eighth Ohio health insurance broker to call me!

Eight different brokers called you. Two were from Ohio, two from Florida, two from Texas and a gentleman from Nigeria offered to share his lottery winnings with you if you bought a health insurance policy from him.

Maddening isn’t it? It might be too late, but I have created a Top-10 list of “Do’s and Don’ts” when going online and requesting an Ohio health insurance quote.

Here they are:

10. If any broker asks for your credit card number, checking account number, or attempts to charge you an application fee…run away!

9. If any broker insists they are calling from Ohio, but your caller ID indicates otherwise…run away!

8. If any broker says that you better “lock in the rate” since the premium is going up the next day…run away!

7. If any broker is unwilling or unable to send you a hard-copy proposal in the mail…run away!

6. If any broker insinuates that only they can offer you the lowest available rate…run away!

5. If any broker thinks the Ohio State Buckeyes are a band from the 1980s…run away!

4. If any broker quotes rates from a company you never heard of…run away!

3. If any broker tells you they can’t email the proposal, and they need to show you in person… run away!

2. If any broker tells you that you don’t have to pay the first monthly premium since you won the Nigerian lottery…then run away!

1. And finally…If any broker tells you that you have to pay your premiums in Euros…run away!

Buying affordable healthcare in Ohio really isn’t difficult any more. The Obamacare subsidy will help reduce premiums for many households. If you don’t meet the requirements for the subsidy, you can consider a  policy that is purchased without Marketplace financial help. We are happy to explain the details to you.

UnitedHealthCare”s “Copay Select” Policy

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UnitedHealthcare’s  most comprehensive Ohio copay policy is the “Copay Select” contract. It features a  $35 copay on covered office visits with an optional $25 copay. There is no maximum limit on the number of allowable visits. UnitedHealthcare  rates are generally extremely competitive when compared to the other large insurance carriers. Some of the popular low-cost options can be found in this article we recently wrote.

Prescriptions are included, and like most companies, feature a “Tier” system. For example, “Tier 1” drugs have a $15 copay while other drugs will have a higher out-of-pocket expense.

Child and adult preventative care benefits are provided at 100% coverage with no deductible or waiting period. Some of the covered benefits include annual physicals, wellness checks, mammograms and Pap tests.

Overall, UnitedHealthCare’s  “Copay Select”  Plan  is one of the most popular plans in the state. Rates are extremely competitive, especially in the Dayton and Columbus areas. A wide range of major medical deductibles is available, ranging from $500 to $10,000. The $7,500 and $5,000 deductibles are commonly used to lower premiums.

Aetna”s PPO 2500 plan is similar, but is typically more expensive in most parts of the state. Medical Mutual”s  SuperMedOne policy is also very competitively priced in the market. Coverages are comparable and like UnitedHealthcare, Medical Mutual has a large network of providers.

UPDATE: July 30 2014 – Although many Buckeye residents may still have this plan (if it is grandfathered), it is no longer available as a new policy, since many of the ACA (Affordable Care Act) guidelines are not met. There are many comprehensive options offered and you can view rates, coverages and enrollment information throughout our website.