Ohio Health Insurance Coverage For Individuals

Ohio health insurance coverage for individuals and families is more accessible than ever. Affordable plans from the major carriers are available with a wide range of plan and benefit options. Aetna, UnitedHealthcare, Anthem Blue Cross, Medical Mutual and Humana are some of the larger companies that insure Ohio residents. Short-term health insurance plans continue to be a popular option in Ohio and typically the least expensive type of health care. Premiums are substantially lower than comparable comprehensive plans and the completion of the application only takes about 20 minutes. Policies are also approved in less than 48 hours for most applicants. This type of coverage is popular for those persons that are unemployed, between jobs, graduating school or waiting for Medicare benefits to begin. Many affordable Ohio medical policies offer lower premiums by limiting the number of covered office visits. "Saver" or "Value" plans feature premiums that are approximately 30% less than conventional policies but limit the number of covered office visits to two or three. Also, prescription coverage on these types of plans is usually limited although qualified preventive benefits are covered without having to meet a deductible. Although comprehensive coverage, because of rich office visit and prescription benefits, is the most expensive type of policy, premiums can be easily reduced by raising the major medical deductible. Most consumers have deductibles of approximately $1,500 on their individual health insurance plans.   By raising the deductible to $2,500 or $5,000, the savings can be substantial. And most covered office visits and prescriptions are not affected by a deductible change. Many  health insurance plans are now purchased online. Although most websites are reputable, as a consumer, you must be wary of providing personal information, such as your social security number and credit card or checking account information. Typically, some of the larger and most reputable websites can be found by typing "Ohio Health Insurance Quote" in your search box. The first few websites (NOT including the paid advertisements) that appear should be a good source coverage information and instant quotes. When comparing rates, coverage and benefits of the various medical plans, an important consideration should be the "lifetime maximum out-of-pocket expense." This amount could range from the deductible (only) to the deductible plus thousands of extra dollars. Although a higher out-of-pocket expense will reduce the premium, affordable policies are still available by selecting a moderate maximum out-of-pocket figure. Typically, Health Savings Accounts (HSAs) feature 100% coverage after the deductible has been met. This type of  health insurance coverage is ideal for the self-employed and individuals or families that are most concerned with catastrophic claims. Affordable health care from Ohio’s top carriers is available. But it’s important to understand the type of coverage you need, the details of the policy you are going to purchase, and the reliability of the website you are going to work with.