The best health insurance plan in Ohio may not be as expensive as you realize. Ohio health insurance rates are still fairly low compared to most other states. So, you may be able to find the “best” health insurance plan very easily from major carriers such as Medical Mutual, Anthem Blue Cross, Humana, Aetna or UnitedHealthCare. We’re Ohio’s premier resource for finding the best health care from top companies and the Ohio Health Insurance Exchange.

Often, the best health insurance plan in Ohio is not necessarily the most expensive policy. For example, a Health Savings Account (HSA) will pay for 100% of medical expenses after the deductible has been met. Preventive coverages are not subject to a deductible and “Negotiated Repriced Discounts” can substantially reduce out-of-pocket costs (especially lab tests and X-Rays).

Ohio HSA premiums are typically less than comprehensive policy premiums. The difference in premium, which is often thousands of dollars per year, can be deposited into the HSA account to be used to pay for medical, dental and vision expenses on a tax-free basis. If an individual or a family does not have many office visits or prescriptions, an Ohio HSA might actually be the best health insurance plan for their situation.

Low deducible comprehensive plans are often modeled after the rich group coverage that you receive through an employer, and are often considered to be some of the best health insurance plans in Ohio. Medical Mutual’s “SuperMed One Elite 500” plan with optional office visit and prescription coverages, provides office visit, prescription and preventive benefits without having to meet a deductible. Major medical claims are also subject to just a low $500 deductible. This particular $500 deductible plan is not cheap, but is still less expensive than many employer-provided plans.

Anthem’s “Premier” plan with included office visit and prescription options, is another policy that offers comprehensive benefits with a 0% coinsurance option. Although lower deductibles are not available, total out-of-cost expenses remain fairly low because of the 0% coinsurance. Anthem also offers one of the largest provider Network in Ohio.

As earlier mentioned, the best health insurance plan in Ohio may not be the most expensive plan. We’ll happily discuss your options, although we’re used to recommending affordable quality plans…even if they’re not the most expensive!

To instantly view, compare or apply for an Ohio health insurance plan, please click on the “Get Instant Quote” button at the top of the page. You may also call us at (888) 513 6446.

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Low cost student health insurance in Ohio is offered by most of the large health insurers. Premiums are extremely affordable and policy premiums can be paid monthly with an option to cancel coverage at any time. Anthem Blue Cross, Aetna, Medical Mutual and UnitedHealthCare feature affordable plans that include comprehensive office visit, prescription and major medical benefits.

As the premier trusted resource for low cost Ohio student health insurance coverage, we research all of the available plans to find the policies that provide the coverage you need, but at the lowest possible cost. If you live in Ohio, but attend an out-of-state school, it is important that we choose a carrier that will provide Network coverage in that area, so that you have a wide choice of physicians, specialists and medical facilities.

Most major Ohio colleges and universities (Ohio State, Dayton, Miami, Bowling Green etc…) require full-time students to have medical coverage. In fact, many schools offer student coverage that can be purchased each semester. However, university health plans may limit the facilities you can use or the type of care you receive. There also may be a low “lifetime limit” on the allowable medical benefits.

An individual Ohio student health insurance plan will provide access to off-site physicians and medical facilities. If a specialist is needed, they may be located many miles away from the campus. Most health insurers have large networks that allow you to choose specialized treatment, even if the provider is located hundreds of miles away. In many situations, if needed, you can also utilize facilities in different states. University plans rarely include this feature.

Typically, student health insurance rates that view on this website are not expensive. For example, a healthy 20-year old male in the Columbus area can purchase a comprehensive policy for approximately $85 per month (Medical Mutual SuperMed One with office visit and prescription coverages). The rate reduces to $65 with a higher major medical deductible (UnitedHealthCare Copay Plus). A limited office visit/prescription policy with a high deductible would reduce the rate to approximately $50 (UnitedHealthCare Copay Saver). Because of the wide range of choices, we feel it’s important to take the time to review your best options.

To instantly view low cost student health insurance in Ohio, simply click on the “Get Instant Quote” button at the top of the page. You’ll be able to easily view, compare or apply for quality coverage from the top health care providers. You can also talk to us live by calling (888) 513 6446.

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If you purchase an Ohio health insurance plan on after September 22^nd (2010), many preventive services will have to be covered by Ohio health insurers without being subject to a copay or deductible (when these services are completed by a network provider. This change is part of the new health care reform. Of course, rates are expected to modestly increase.

The list of services is listed below. Please contact us if you have any questions or would like any additional information. Ohioquotes.com is the state’s premier trusted resource for affordable health care. Instantly, you can view, compare or apply online for Ohio health insurance coverage. Simply click on the “Get Instant Quote” button to view current rates.

Covered Preventive Services for Adults

• Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
• Alcohol Misuse screening and counseling
• Aspirin use for men and women of certain ages
• Blood Pressure screening for all adults
• Cholesterol screening for adults of certain ages or at higher risk
• Colorectal Cancer screening for adults over 50
• Depression screening for adults
• Type 2 Diabetes screening for adults with high blood pressure
• Diet counseling for adults at higher risk for chronic disease
• HIV screening for all adults at higher risk
• Immunization vaccines for adults–doses, recommended ages, and recommended populations vary:
  • Hepatitis A
  • Hepatitis B
  • Herpes Zoster
  • Human Papillomavirus
  • Influenza
  • Measles, Mumps, Rubella
  • Meningococcal
  • Pneumococcal
  • Tetanus, Diphtheria, Pertussis
  • Varicella
• Obesity screening and counseling for all adults
• Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
• Tobacco Use screening for all adults and cessation interventions for tobacco users
• Syphilis screening for all adults at higher risk

Covered Preventive Services for Women, Including Pregnant Women

• Anemia screening on a routine basis for pregnant women
• Bacteria urinary tract or other infection screening for pregnant women
• BRCA counseling about genetic testing for women at higher risk
• Breast Cancer Mammography screenings every 1 to 2 years for women over 40
• Breast Cancer Chemo-prevention counseling for women at higher risk
• Breast Feeding interventions to support and promote breast feeding
• Cervical Cancer screening for sexually active women
• Chlamydia Infection screening for younger women and other women at higher risk
• Folic Acid supplements for women who may become pregnant
• Gonorrhea screening for all women at higher risk
• Hepatitis B screening for pregnant women at their first prenatal visit
• Osteoporosis screening for women over age 60 depending on risk factors
• Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
• Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
• Syphilis screening for all pregnant women or other women at increased risk

Covered Preventive Services for Children

• Alcohol and Drug Use assessments for adolescents
• Autism screening for children at 18 and 24 months
• Behavioral assessments for children of all ages
• Cervical Dysplasia screening for sexually active females
• Congenital Hypothyroidism screening for newborns
• Developmental screening for children under age 3, and surveillance throughout childhood
• Dyslipidemia screening for children at higher risk of lipid disorders
• Fluoride Chemoprevention supplements for children without fluoride in their water source
• Gonorrhea preventive medication for the eyes of all newborns
• Hearing screening for all newborns
• Height, Weight and Body Mass Index measurements for children
• Hematocrit or Hemoglobin screening for children
• Hemoglobinopathies or sickle cell screening for newborns
• HIV screening for adolescents at higher risk
• Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
  • Diphtheria, Tetanus, Pertussis
  • Haemophilus influenzae type b
  • Hepatitis A
  • Hepatitis B
  • Human Papillomavirus
  • Inactivated Poliovirus
  • Influenza
  • Measles, Mumps, Rubella
  • Meningococcal
  • Pneumococcal
  • Rotavirus
  • Varicella
• Iron supplements for children ages 6 to 12 months at risk for anemia
• Lead screening for children at risk of exposure
• Medical History for all children throughout development
• Obesity screening and counseling
• Oral Health risk assessment for young children
• Phenylketonuria (PKU) screening for this genetic disorder in newborns
• Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
• Tuberculin testing for children at higher risk of tuberculosis
• Vision screening for all children

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The Ohio Pre-existing condition health insurance plan will be available in August. This temporary health insurance program (“high risk pool”) is designed to offer somewhat affordable Ohio health insurance effective September 1. Applications will be accepted on August 1. Medical Mutual will operate the plan through the Ohio Department of Insurance. Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. Pre-existing conditions will be covered without a waiting period. However, there are some catches.

To qualify for coverage, you must have a “qualifying pre-existing condition,” as evidenced by a denial of coverage by two health insurers. Documentation from a health professional will also suffice. Any person who applies for the Ohio pre-existing condition insurance plan also must be a citizen or lawfully present in the United States. Also, no prior medical coverage can be in effect for the last six months and proof of Ohio residency will be required.

The Ohio Pre-Existing Condition plan will be available until 2014 when national health reform takes effect. Many experts feel health insurance rates could substantially increase at that time since any person could obtain coverage regardless of their health condition. And of course, they will be able to cancel their policy after treatment and purchase health care when it is needed again. A small penalty would be imposed if coverage is not in effect.

If you DO NOT have any major pre-existing conditions, you SHOULD NOT apply for this coverage. You may be eligible for standard coverage at much lower rates from some of the major Ohio health insurance companies such as Aetna, Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Humana or Assurant. You can view these rates by clicking on the “Get Instant Quote” button at the top of the page.

Ohioquotes.com is the premier resource for affordable Ohio health insurance plans and guarantees that the rates you view are the lowest allowable by the state. You can also call and speak to a live person at (888) 513 6446.

Helpful links:

Ohio Department Of Insurance

Healthcare.Gov website only to be used if you are uninsurable

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Why should you use an Ohio health insurance broker? Because an Ohio health insurance broker works for you and not the health insurance company.  A broker researches, reviews and studies hundreds of health insurance quotes to provide you with the most affordable plans that match your budget.

Ohioquotes.com is the state’s premier trusted Ohio health insurance broker, offering rates that are guaranteed to be the lowest allowed by the Ohio Department of Insurance. Since rates are mandated, no other broker or website can legally offer lower rates. We specialize in individual and family Ohio medical coverage, and take the time to find the plans that offer the coverage you need, and meet your specific budget.

Dramatic changes in personal health insurance coverage have made a health insurance broker’s role increasingly important in the process of explaining state and federal health insurance reform changes and their effect on your rates and coverage. Ohio health insurers have already implemented some of these changes and more changes are on the way. We monitor any change in rate, coverage or law and notify you if they will impact your policy. If necessary, we’ll recommend appropriate changes that will keep your coverages and rate where you want them.

We understand that it is very confusing and frustrating to purchase a policy…especially online. When you speak to us, you are working with a broker with more than 30 years of experience in the business. There are no fees or costs associated with the service we provide and we never share your information with any other person or company. And since we represent all of the major health insurers, you don’t have to worry about the pitfalls of going directly to a health insurance company. That is…we’ll research many plans from many different companies, not just a few plans from one company.

Online Ohio health insurance quotes are available from many websites other than ours. However, there is a good chance that another website will “sell” your information to multiple brokers and agencies outside of Ohio. The result will be incessant calls and emails that never seem to stop. That’s why tens of thousands of Ohioans have visited our website. They know they will receive unbiased up-to-date information without getting bombarded with phone calls.

For additional information, please call us at (888) 513 6446. If you would like a free online Ohio health insurance quote, simply click on the “Get Instant Quote” button at the top of the page.

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Central Ohio individual medical health insurance plans are very affordable and are available through most of Central Ohio’s major health insurers. Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual and Humana offer low cost medical insurance plans through Ohioquotes.com, the state’s premier trusted resource for Ohio health insurance plans. Rates are guaranteed to be the lowest allowable by the state, so no other broker or website can legally offer a lower rate.

Affordable coverage is available whether you are single, a family, self employed, unemployed, without coverage or on Cobra. Many Central Ohio counties feature extremely competitive rates compared to other parts of the state. Comprehensive, catastrophic and Health Savings Account (HSA) plans are instantly available by clicking on the “Get Instant Quote” button at the top of the page. You can view, compare or apply online for individual medical health insurance coverage from the top companies. And we’ll work closely with you to help select the plans that best fit within your budget but provide the benefits that you need.

Some of Central Ohio’s counties include Franklin, Madison, Union, Delaware, Licking, Fairfield, Pickaway, Morrow and Knox. UnitedHealthcare’s rates are especially competitive in most of those counties. Their “Copay Plus” and “Copay Saver” plans are comprehensive policies that feature office visits, prescriptions, preventive benefits and major medical coverage. Basic maternity coverage is also an inexpensive available rider with most UnitedHealthcare plans.

Although individual HMOs are not available in this portion of the state, Aetna’s “First Dollar PPO 40” plan offers similar features, such as a “no deductible” benefit. Unlimited office visit coverage is provided ($40 copay) with comprehensive prescription and preventive coverages.

Ohio Health Savings Accounts (HSAs) are a popular option for the self employed or any individual or family. HSAs are an affordable alternative to traditional Central Ohio individual medical insurance plans. It’s a savings account that allows you to pay for current qualified health, dental and vision expenses and save for future expenses on a tax-free basis. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. For example, a family of four in Franklin County (Male 40 Female 40 and two children) would pay only $196 per month ($5,000 Deductible) or $271 per month ($3,000 Deductible) for an Anthem Blue Cross HSA. Medical Mutual also offers competitive Ohio HSA rates. We do NOT offer coverage through Mega Life and Health insurance or Cinergy Health Insurance companies and we’ll be happy to discuss our reasons if you call us.

Whether you need catastrophic, comprehensive or temporary short-term coverage, if you live in Central Ohio, Southern Ohio or any other part of the state, we’ll help you find the right plan at the best available price. Feel free to view an “Instant Quote” online, call us or email us.

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Ohio health insurance reform has begun. So far, no major changes have occurred that will affect you. While we believe that the proposed health care reform changes will ultimately  increase Ohio health insurance rates, we””ll continue to monitor the progress and hope that rates stabilize.

Listed below are some of the most recent and relevant news/blog articles:

Health Care Reform Will Cost $115 Billion More

Health Care Reform Package Flawed

Suit To Overturn Health Care Law

Health Care Critics Missing The Point

Health Care Reform Will Impact Southern Ohio

Small Business Group Joins Health Reform Lawsuit

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Medical Mutual Of Ohio has introduced two new Ohio individual health insurance plans. The “Elite” and “Premium” copay plans are now available to Ohio residents. Ohioquotes.com offers all Medical Mutual Of Ohio individual health insurance plans at the guaranteed lowest allowable rate. By clicking on the “Get Instant Quote” button at the top of the page, instantly you can compare, review or apply online for Medical Mutual’s best plans.

The “Elite” and “Premium” individual health plans offer copay coverage (not subject to a deductible) for office visits, specialist visits and Urgent Care visits. Routine physical exams, Well-Child services and Well-Child exams are also not subject to a deductible. Prescription benefits are included along with a lifetime maximum of $7.5 million.

Additional covered benefits for the Medical Mutual Of Ohio “Elite” and “Premier” plans  include inpatient and outpatient services, mental health and substance abuse coverages, home health care and diagnostic services. Optional rider options include prescription benefit upgrade, maternity, dental and vision, and life insurance. We’ll be happy to review your specific situation to determine if any of the optional riders are worth considering.

Medical Mutual individual health insurance rates appear to be the most competitive in the Cincinnati area and in Northern Ohio. Of course, there are many other smaller pockets of the state where their rates may be quite competitive as well. For additional information, please call us at (888) 513 6446.

SuperMed One Elite Plan With Office  Copay

SuperMed One Premium Plan With Office Copay

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Rising health insurance premiums in Ohio are a concern for most Ohioans that pay for their own health care. Whether you’re an individual, family, self-employed or without Ohio medical coverage, rising health insurance premiums are starting to take their toll. But, affordable Ohio health insurance plans are available, and specific steps can be taken to reduce costs.

As the recognized premier trusted resource for affordable Ohio health coverage, we offer many low cost plans that are rich in coverage and may substantially reduce the amount you pay. If you don’t currently have health insurance, some of these plans are great “starter” plans that will keep your premiums low. The rates you view on this website are guaranteed to be the lowest allowable by the state. Rising health insurance premiums in Ohio will continue, but here are a few steps you can take now to reduce your cost:

• If you have been with the same health insurance company for more than three years and you have no significant medical issues, it may be time to compare quotes from different companies.

• Raise your major medical deductible. For example, by raising your deductible from $500 to $2,500, you could save $1,000 for an individual policy and more than $2,000 for a family policy. Assuming you don’t have many catastrophic claims, the total savings on your Ohio health insurance plan could be substantial.

• Consider an Ohio HSA (Ohio Health Savings Account). Premiums are 25%-50% less than traditional plans and preventive benefits are not subject to a deductible. Naturally, there are many other factors to consider and we’ll be happy to review your options. HSAs are a very popular form of affordable family health insurance.

• If your health has improved or you have stopped smoking since you purchased your Ohio policy, inquire about “changing your rate class.” It’s possible you may be able to reduce your rising health insurance premium.

• Health insurance for self employed persons can be very expensive. If you are the only insureds on a group plan, Ohio individual health insurance rates may be more affordable. However, individual plans may offer less coverage than your current group policy.

Increasing health insurance premiums in Ohio are one of our biggest concerns. We believe it’s important to carefully review all of your options and recommend specific plans that will allow you to stay within your budget.

To instantly view, compare or apply for affordable Ohio health care, please click on the “Get Instant Quote” button at the top of the page. Or you can speak to us personally at (888) 513 6446. Your personal information is never shared with any other person or company.

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Ohio Health Savings Accounts have a new contribution limit for 2010. The annual contribution limits have been increased to $3,050 for individual HSA coverage and $6,150 for family HSA coverage. The 2010 minimum annual deductible is $1,200 for individual HSA coverage and $2,500 for family HSA coverage.

A Health Savings Account (HSA) is an affordable alternative to traditional health insurance that offers Ohio residents an alternative method to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical expenses on a tax-free basis. Most major Ohio health insurance companies offer HSAs. The most competitive rates are offered by Anthem Blue Cross, Medical Mutual, Aetna, UnitedHealthOne and Humana.

You must be covered under a High Deductible Health Plan (HDHP) to qualify to make an HSA contribution. An HDHP is an inexpensive health insurance policy that costs substantially less than a traditional Ohio health insurance plan, and offers you the opportunity to deposit the money you save into the HSA.

As Ohio’s premier trusted resource for affordable HSA coverage, we research all of the major health insurance companies. Only the highest-quality plans are considered with most offering preventive coverage that is not subject to a deductible. The quotes rates are the lowest allowable by the state.

To instantly view, compare or apply for an Ohio HSA, please click on the “Get Instant Quote” button at the top of this page. Your personal information is never shared with any other person or company.

Department of the Treasury Official HSA Publication

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