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Ohio health insurance plans can be confusing

There are numerous companies that offer health insurance, dental plan, disability, etc. Trying to compare them can be a real challenge. Most of you have no idea what to look for and can only hope and pray your agent is honest. This site will give you some guidelines and the basic knowledge you need to be an informed consumer.

If you like, you can give us a call and we can help guide you through the dizzy array of benefit options. Be sure to read the rest of this page and click on any of buttons at the top of the page for more Ohio health insurance plan information.

The new Ohio HSA - Health Savings Account Plans are now available. You can now get the save tax deferred medical savings plans that were only available to the self-employed. For details on Health Savings Accounts

If you need coverage in a hurry, we can get you a major medical plan in 24 hours. For details on fast, temporary coverage - click here

We have two new prescription plans. One offers over 2600 drugs for a $10 or $20 copayment. The other is a free Canadian drug plan with excellent rates. Prescription plan information - click here

We have two new dental plans that use national PPO networks

Discount dental plan - PPO Networks, Free Cleaning, X-ray and Exam

These plans have legitimized discount dental plans. The networks they use are household names. Entire family can be covered for about ten dollars a month. If you would like to look at the plans available in your area, use this handy zipcode entry form:

PPO Dental Insurance - Use Any Dentist!

This is a real dental plan that pays you based on the procedure. It incorporates the Aetna PPO dental network.

There are no waiting periods for this plan. You can use maximum benefits the following month you apply.

Dental PPO Online Site with Information and Signup

I Hate Insurance Companies!

I sell all types of Ohio health insurance products and I have never found a "truly fantastic" health insurance company. We screen any company that we sell. We check them financially. Next we try out their customer service lines and then look for filed complaints. We do our best. The result is that we have carriers that will be there when you need them. If they try to screw you around we will step in and help. That is what an agent is supposed to do. Our carriers are not perfect, but they probably won't take your guts out when you have a claim. Getting your claims paid is a top priority.

Having the right agent can be make all the difference in the world. When someone represents just one company you never know if you are getting the best possible plan for the best price. They have a vested interest in "pushing" a plan on you. There are some really lousy plans out there and the agents that sell them sleep like babies. You need to be a good consumer.

If I could give you just a few pieces of advice it would be this.

- Never buy a plan that uses daily limits for hospital stays.
- Make sure there are no limits on how much a surgeon can be paid.
- Watch out for low caps on transplant procedures. You cannot get a heart transplant for $100,000.
- Discount cards do not guarantee you a specific discount and will leave you up to your eyeballs in debt.
- Don't pay someone $100 to sign up for health insurance
- Make them show it to you in writting.
- If someone suggests you omit health information on an application, throw them out.
- High deductibles are fine. Don't over pay for insurance you won't use.
- Doctor's know a lot about medicine but might have their own best interests at heart when recommending insurance companies. The highest, fastest payor is great for the physician but might not be the best plan for you. We find most companies to be equally poor at customer service and claims payment.

Pre-Existing Conditions

Individual Ohio health insurance plans are medically underwritten. I don't care what your neighbor, brother-in-law or co-worker has told you. You can be denied health insurance due to medical reasons. If you have a pre-existing condition the insurance company may either rate up for the condition or not cover it all - ever. Yes, they can do that.

We can get most of you covered. If you don't qualify, we have alternatives. If you leave off health information on your application, you are nuts. They will find out through the Medical Information Bureau (MIB) at the time of claim, deny the claim and blacklist you forever. There could even be criminal charges. Don't do it.

If a pre-existing condition is not covered we might be able to cover it with a supplemental plan. This could pay for doctor visits and even future surgery. We are very good at what we do and have many products to help you get the best coverage possible. Guaranteed issue Ohio health insurance plans

We have guaranteed issue plans - no medical declines!

Some of you will not qualify for an Ohio health insurance plan. We can help you obtain coverage for doctor visits and hospital stays. There are no medical declines with this plan. This plan is not as complete as a full PPO plan, but it will take care of most of your medical expenses. It is 100% better than nothing at all.

For complete details, click here

Ohio maternity insurance

Ask us about some extra low-cost life insurance.

Our maternity plan is cheaper than the plan from you-know who!

Ohio maternity plans

It is not easy to find but you can get Ohio maternity coverage to use with your current Ohio health insurance. Complete Ohio maternity coverage is only available with the purchase of an Ohio health insurance plan. The good news is that we can help you cover a lot of your maternity expenses with a low cost maternity supplement that can be used with any plan or by itself.

By the way, the full maternity coverage plan that we offer is a lot cheaper than "you-know who's" plan. This plan covers pre-natal and delivery.

For more complete details about Ohio maternity plans, please click here.

I love HSA plans - Really

The new Medicare billed included a section that allows just about anyone to obtain a tax-leverged health insurance plans. You do not have to be self-employed. With the tax write-off on these plans, we have one client whose net cost of health insurance for his entire family was $.72 a month. That is not a typing mistake. It was 72 cents. You need to learn more about these plans. Ohio HSA plans - more details.

Insure Your Paycheck - Ohio Disability Insurance

You insure your home, your automobiles and your life, but it is your ability to work that makes the material things possible. If you do not have disability insurance I suggest you get some while you are still able.

How long can you continue to pay your bills if you could not work? Leaving your family protected against your ability to work is pure negligence. I have plans that are not that expensive that can keep you going and off the streets. Ohio Disability Incsurance - Click here for details.

Ohio Health Insurance Consumer Information

Ohio health insurance buyer's guide will show how to shop for health insurance and hopefully save you a bundle of your Ohio health insurance premiums.

(Please note: throughout this page I use the word "Ohio" before a noun. It sounds terrible but the Internet search engines usually have a computer program decide how I rank on the search engines and not an intelligent being. As such, I am forced to use the phrase Ohio health insurance as much as I can without being too absurd. Sorry.)

Types of Ohio health insurance Plans

Years ago Ohio health insurance was a very uncomplicated animal. You had a small deductible and then everything else was covered. There were no networks, copays and all the other things to confuse the heck out of everybody. Usually, you just paid the doctor (less than ten bucks) and the insurance company would send you a check.

Today, Ohio health insurance presents us with two unusual problems:

1. Without a good health insurance plan, most Americans cannot afford to get quality health care if they face a serious illness.
2. Most Americans cannot afford a really good health insurance plan.

This is not meant as an all inclusive guide. I want to leave you with some guidelines that will help you choose a plan and educate you about the basics.

I do not sell HMO plans. I do not like them. They are used as comedic material by late night comedians. If you ever get seriously ill, having an HMO could mean your life. If you are serious about the best possible health care for your family it will in all probability you will avoid HMO plans.

Ohio PPO plans are Preferred Provider Organizations. Here is how they work:

1. The insurance company signs providers to a PPO Contract
2. The contract spells out the discounted rates that the providers can charge to PPO patients
3. The Provider sends their bills to the insurance company
4. The insurance company applies the agreed upon discount to the bills.
5. They send you and the provider an Explanation of Benefits (EOB)
6. The patient pays the discounted rate to the Provider.

Here is one of the most important things for you to remember. If you are in a PPO plan you are entitled to the discounted rates for services. The discounts can be very substantial.

How does this deductible, coinsurance and copay thing work in regard to Ohio health insurance plans?

I am going to use a simple illustration to give meaning to these concepts. Let us say that I sell you a PPO plan with the following:

- A $2500 deductible
- Coinsurance of 80/20 to $10,000
- A $35 doctor copay

This means that if you go to the doctor you will pay the PPO provider a $35 fee for service. This is for the office visit only and does not include testing or any procedures done in the office.

Everything else goes towards fulfilling the $2500 deductible. Once the deductible is met, the next $10,000 of medical services are paid 80% by the insurance company and 20% by you. So, you have paid out a total of $4500 ($2500 deductible and 20% of $10,000).

How much Ohio health insurance do I need? Can I be over insured?

If you are used to having a $250 deductible from your Ohio group health insurance plan and getting driven to the doctor in a limo, you need to get over it. You are paying for the insurance and the super deluxe plan with every option is a waste of money. I cannot tell you how many people pay $1500 a year to lower their deductible from $2500 to $1000. Does it make sense to you? Should you spend an extra $30 a month to have a $20 copay for a doctor visit instead of $40 a visit?

If you want the low deductibles and copays by all means buy them. Insurance agents work on commission and will be only too happy to sell them to you. However, unless you are made of money (in which case I am open to adoption) a higher deductible will be the best bet. Have the agent give you the different premiums and decide where the best price point is for you.

HOT TIP: Use a medical supplement plan to bring your deductible down or eliminate it entirely. It is much cheaper than taking a lower deductible. Ask us about this program.

Do Ohio health insurance plans cover me in the emergency room?

Emergency room treatment is applied towards your deductible and coinsurance. If you purchase a supplemental accident rider, the first $500 of the an emergency room visit will be covered without any out-of-pocket expense. These riders usually cost between $6 and $8 a month per person extra. Is it worth it? Depends on your circumstances. If you ride dirt bikes, rock climb or have very active children, it might be. This rider will not cover the emergency room visit that you make due to illness.

How do Ohio health insurance plans treat pre-existing conditions?

If you are a diabetic, cancer survivor of less than 10 years, or haven't been able to look down and see your feet since 1985, you will have difficulty getting coverage, if you can get coverage at all. High blood pressure and cholesterol are usually not a problem if controlled. Antidepressants are fine if you haven't been hospitalized. Most problems of this nature will not get you denied. Although, some companies are much tougher than others. I can usually tell you in advance if there will be a problem.

Now I don't want you to get upset (which translates to stop blaming me) but the fact is your current medical conditions will in most instances not be covered. When faced with a preexisting condition, an Ohio health insurance plan will either; 1) Cover it with no exclusions, 2) Cover it but raise your premium a bit (or a lot), 3) Insure you, but rider out the condition so that any treatment for the condition is not covered or 4) Deny coverage completely.

Please do not tell me what your brother-in-law read on the Internet or your neighbor told you. Once a pre-existing condition is ridered off of an Ohio health insurance plan, it is unlikely you will ever get coverage for it in the future.

Can I get an Ohio health insurance plan with maternity coverage?

Most Ohio health insurance plans do not have maternity coverage at all. For the one or two that do, here are the facts:
1. If you have had your previous child by C-section than you cannot get coverage until you have had another child by vaginal delivery.
2. You must take the maternity coverage when you buy the plan. You cannot add it later.
3. There is a 12 month waiting period before the coverage becomes effective.
4. Most plans do not even have maternity riders.
5. If you are already pregnant give me a call after the baby is born because you are not insurable, your husband is not insurable nor are any of your children. If you are interested in learning why, you can call me and I will explain it.
6. Go to the hospital and negotiate a fixed price for delivery. Everything is negotiable. Ask what the PPO rate is.

HOT TIP: I have a medical supplement that will assist with the cost of a normal delivery. You must be on the plan 10 months before you can become pregnant.. Go to Ohio maternity insurance for details.

We now offer Texas health insurance guides as well. For Texas Health Insurance information - click here