Low Cost Health Insurance for Ohio Residents
Ohio Health Insurance Plans
Selecting an Ohio health insurance plan that gives you the best benefits for the lowest possible premium has never been easy. But it has been made even more difficult with the rapidly evolving rule changes that were a direct result of the new healthcare legislation.
If there were only one company offering medical plans in Ohio with just a few different plans it might not be so difficult. The fact is, there are a number of different health insurance carriers offering a tremendous variety of plans at different deductibles, copays, provider networks and so on.
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 need help, you can give us a call, send us an email or just put your zipcode in our simple quote request form at the top of the page and tell us a little bit about you. We will guide you through the dizzy array of benefit options.
Contact Us at 888-441-3797 Monday - Friday, 9 AM to 8 PM
What You Need Know About Ohio Health Insurance
I promise you that this will only take a few minutes to read. Afterwards you will know more than most health insurance agents. I have made it all simple and easy to understand. There is a lot information on this page. But if you have about 5 minutes to spare and want to save money on your health insurance premiums, click on the link below and read our 5 Minute Guide to Ohio Health Insurance Plans. It will tell you everything you need to know.
In the meantime, here is my short list of what to look for when buying a health insurance policy in Ohio or anyplace else for that matter. I think you will find it self-explanatory.
|Some plans use a fixed daily payment for hospital stays and surgery. Generally these plans are for someone who cannot get a traditional major medical plan. In most instances this type of plan, referred to as an indemnity plan will cover 95% of the medical issues you will face. At one time, all health insurance coverage was indemnity and it is still useful today.|
|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. Some legitimate companies have a signup fee but it is never above $35.|
|If someone suggests you omit health information on an application, throw them out. First of all you are committing fraud. Second, they will find out and cancel your health insurance when you need it the most. It is a very stupid thing to do.|
|High deductibles are fine. Don't over pay for insurance you won't use. When you look at the difference in premiums, you realize that high deductibles are much better values.|
|Doctor's know a lot about medicine but might have their own best interests at heart when recommending insurance companies. From a physician's point of view, and we do not blame them, it is who pays me the most and who pays me the fastest.|
What About Preexisting Conditions?
Ohio health insurance plans are medically underwritten. That is another way of saying that they will ask you questions about your health and if they do not like the answers, they will not approve the policy.
Now let's not panic. If you have controlled high blood pressure or cholesterol that is not a problem. Well, it is not a problem if you do not smoke or are considerably overweight.
There are many medical conditions that will not disqualify you. But of course there are some will knock you out of the running immediately.
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.
There are guaranteed issue Ohio health insurance plans. They are limited but are usually better than nothing at all. Just fill in your zipcode at the top of the page so we can get a specialist to help you.
Ohio Maternity Plans
Let me clear a few things up for you regarding maternity coverage.
There is no such thing as maternity insurance and there is no such thing as a maternity plan. But, we do have health insurance plans that will cover maternity. Now that we have this out of the way, we can have a rationale conversation about what you can do to cover maternity expenses.
There are number of things you can do to have some of your pregnancy covered with insurance. However, I have a separate web page that discusses this in a little more detail. Use this link to go there Ohio Maternity Coverage.
Ohio HSA Plans (Health Savings Accounts)
Ohio HSA (Health Savings Accounts) are high deductible health insurance plans coupled with a tax-advantaged savings account. 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. We have a short web page that explains how they work and if they are right for you. Use this link Ohio HSA plans
Ohio Health Insurance for Children
With the passage of the new healthcare legislation, you can no longer buy a health insurance plan for a child without a parent on the plan, from a major carrier. We do have a special plan that will allow you to purchase child-only health insurance for up to 6 months at a time. Then the plan must be re-applied for. It is a real major medical plan from a well know carrier. There are some limitations.
If you are searching for a child only health insurance plan, this might be your answer. Ohio Health Insurance for Children.
Ohio Health Insurance Consumer Highlights
If you have been patient enough to read this far, I will reward you with a mercifully brief overview of what you need to know to talk to an insurance agent.
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, co pays 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.
But without a good health insurance plan, most Americans cannot afford to get quality health care if they face a serious illness. Fortunately, if you learn how to shop and compare plans correctly, you will be able to afford a good plan.
Ohio PPO health insurance plans are Preferred Provider Organizations. Here is how they work:
1. The insurance company signs providers (doctors, hospitals, labs) 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 the 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. Put another way, the day the plan goes into effect, I can visit the doctor for $35. I do not have to meet any deductibles. I just pay the copay fee.
If I were hospitalized and my bill was $25,000, I would be responsible for the first $2,500. That is because I have a $2,500 deductible. There is now $22,500 left to pay.
The coinsurance is 80/20 to $10,000. This means that after I paid the first $2,500 (my deductible), I must pay 20% and the insurance company pays 80%. But, my plan says 80/20 to $10,000. So, once I have paid out $10,000, I do not have to pay any additional money. The most I can be asked to pay in a year is a total of $12,500. It does not matter if the bill is a million dollars.
How much 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 now paying for your own health 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 you can adopt me) 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.
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. If you ride dirt bikes, rock climb or have very active children, it might be smarter to buy an accident plan. You can usually cover the entire family for about $35 a month. This way you will have no deductible for an accident or injury.
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.
"We usually can find a plan for just about everyone. Use the quote form and talk to one of our experienced agents who has hands-on experience in dealing with difficult to insure cases.
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 exclude the condition so that any treatment for the condition is not covered or 4) Deny coverage completely.
Can I get an Ohio health insurance plan with maternity coverage?
Yes, but it will be very expensive. You might consider some alternatives which will work out cheaper in the long run. I have a great web page that discusses your maternity options at Ohio Maternity Plans.
Ohio Dental Insurance
In addition to Ohio health insurance plans we also have Ohio dental plans.
We offer real PPO dental insurance coverage as well as dental HMO's with coverage for orthodontia. Please view our separate Ohio Dental Plans page.
Contact Us at 888-441-3797 Monday - Friday, 9 AM to 8 PM