Obama’s Ohio Health Care Myths

Health care reform is one of the Ohio’s most contentious issues. President Obama wants government-sponsored health care, hoping costs will reduce. Insurers and doctors are concerned that patients will have fewer choices under Obama’s plan. Drug companies fear that quality of our health care will weakened.

Sometimes it’s hard to determine the difference between myth and fact. One common myth is that Ohio consumers overwhelmingly want to see the current health care system changed. But that’s not true since recent polls indicate roughly half of Ohioans and the US population want to maintain the current system.

Liz Peek wrote a very interesting article about Obama’s five “Health care myths.” I don’t necessarily agree with all of her assertions, but there are some very valid points she raises. If you’re concerned about Ohio health care, you’ll be interested in reading this article.

You can read the article in its entirety here.

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Assurant Ohio Health Insurance Plans

Assurant Ohio health insurance plans are issued through Assurant’s parent company, Time Insurance. And although Time is an established and reputable company, you may notice that I rarely recommend an Assurant Ohio health insurance plan. In fact, when you view your quotes, Assurant is seldom listed.

One important consideration is Assurant’s  Ohio rates. In most parts of the state, their rates aren’t high. They are VERY high. For example, Assurant’s monthly rate for comprehensive coverage (husband/wife ages 45 with two children) is $624, compared to United HealthCare’s rate of $389. Aetna’s rate is $479 and Anthem’s rate is $503. Assurant’s “MaxPlan” was compared to the most similar policy from the other carriers.

Assurant’s Ohio HSA insurance rates are also quite high. The monthly rate for a $5700 family deductible is $408. Anthem’s rate for a $6000 deductible is only $306 and United HealthCare’s rate for a $5000 family deductible is only $326. Plan coverages were very similar.

Assurant also offers optional health insurance plans at reduced rates, including the “CoreMed” and “RightStart” plans. But coverages are greatly diminished and similar plans are also available from most of Ohio’s other carriers.

An additional concern is Assurant’s (Time) “complaint ratio” with the Ohio Department of Insurance. In 2007 (the most recent available data), Assurant’s complaint ratio was twice as high as the other major Ohio health insurance carriers. In prior years, Assurant’s ratios were also quite high.

When I am researching Ohio health plans, I consider all of the major companies, including Assurant. But  the consumer is my top priority. And if I feel Assurant’s plans are not the best fit for you, I will not recommend them.

To instantly view, compare and apply for high quality Ohio health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your information is never sold or given to any other person or company. And your rate is guaranteed to be the lowest allowed by the state.

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Ohioans May Lose Their Dental Insurance

Ohio Governor Ted Strickland is facing a massive budget shortfall of more than $3 billion. Filling that hole is not an easy task and many worthwhile programs may have to be cut back or eliminated. Some of the programs (other than dental coverage) at risk include preschool learning, Community health centers and mental health facilities.

The state’s poor could lose their Ohio dental insurance along with vision coverage and other types of care. However, administration officials say they plan to continue these services by temporarily using unspecified funds. Eventually, Strickland hopes the state will win a court case that will release $258 million of tobacco settlement money. If that does not occur, additional sever cutbacks could be coming.

Affordable Ohio dental insurance plans are available, regardless if the state cuts aid. A wide variety of plans can be found here, with premiums ranging from $10-$70 per month. Additional, more comprehensive dental plans are available from Anthem, Aetna and United HealthCare. For details, please email me at service@ohioquotes.com

To read more about Ohio’s budget problems and how it may affect you, please click here. Because this is a very fluid topic, budget changes can be made very quickly.

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Where To Buy Ohio Health Insurance Plans

So you need to buy an Ohio health insurance plan. You want an affordable high quality policy at the lowest available rate. But where do you buy it?

The best source for buying an Ohio health insurance plan is Ohioquotes.com. Recognized as Ohio’s premier resource for Ohio health care, you can instantly view, compare and apply for high quality health insurance plans.

But perhaps most importantly, when you buy your health insurance, your personal information is never sold or released to any other person or company. Unfortunately, many online health quoting websites sell your information to multiple brokers throughout the US. This leads to incessant emails and phone calls for many months.

Ohioquotes.com also guarantees that your Ohio health insurance premium will be the lowest available rate allowed by the state. Rates in Ohio are mandated, so when you buy your policy, it is impossible for any other site to charge a lower rate. All major companies are researched for you, including Anthem Blue Cross, Aetna, United HealthCare and Aetna.

Each year, when your policy renews, you’ll receive a copy of the current Ohio health insurance rates from the other major carriers. So, if your premium starts to rapidly increase, you’ll be able to buy a similar policy at an affordable rate (Assuming no major change in health).

For a free instant health insurance quote, simply click on the “Get Instant Quote” button at the top of the page.

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Ohio Health And Dental Insurance

Ohio health and dental insurance coverage can be combined into one policy. Often, the major Ohio health insurance companies, such as Aetna, Anthem Blue Cross, and United HealthCare, will either include or offer separate riders for their dental coverage.

Below, you can view some of the features, coverages and approximate costs of adding dental coverage to your Ohio health insurance policy.

United HealthCare includes a dental “discount” coverage with their Ohio health plans. FACT (Federation of Consumers and Travelers) provides the discounts…usually between 10% and 40% on many dental and vision expenses. A more comprehensive dental insurance plan is also available for approximately $22-$34 per month per person.

Anthem Blue Cross Of Ohio offers a wide range of dental services that can be added as a rider to their health insurance plans. Both traditional and PPO plans are available at monthly costs between $22 and $36 per month per person.

Aetna offers two levels of dental coverage. If packaged with their Ohio health insurance plan, the cost is only $14 per month per person. A “stand alone” dental plan is also available for customers that do not own an Aetna health plan. The monthly cost is approximately $25.

Medical Mutual of Ohio offers a dental insurance rider with a $50 deductible. Once the deductible is met, most preventative services are covered at 100%. The approximate monthly cost is $15-$20.

If your priority is keeping your Ohio dental coverage premium low, you may wish to consider an Ohio dental discount plan. You may click here for complete details.

Ohioquotes.com is Ohio’s premier resource for health insurance plan. Feel free to call (888) 513 6446 for information, or instantly view rates by clicking on the “Get Instant Quote” button at the top of the page.

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Is Universal Health Reform Good For Ohio?

True Ohio health care reform centers on the four “pillars” of patients’ rights. Choice, competition, accountability and personal responsibility. A patient must have the right to choose their own doctor, and must protect a consumer’s right to choose the health insurance that best fits their needs and budget.

“Conservatives For Patients Rights” (CPR) recently reviewed 16 plans that have been discussed, written about or offered up as legislation. Which plans are too costly? Which plans promote competition within the healthcare industry?

You can read about and compare the different plans here.

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Lowest Ohio Health Insurance Rates

The lowest Ohio health insurance rates are here! Ohioquotes.com, the premier resource for Ohio health insurance, guarantees that your rates are the lowest available by the state. Since rates must be approved by the Ohio Department of Insurance, no website can offer a lower rate. Not even by a penny!

You probably notice the “Get Instant Quote” button at the top of the page. By clicking on that button, instantly, you can view, compare and apply for high quality Ohio health insurance plans. Policies offered by Anthem Blue Cross, Aetna, United HealthCare, Medical Mutual and all of the major carriers will be shown.

Ohio health insurance rates tend to be lower than most other states. But finding the right plan…that is…the policy that is the most appropriate for you is our challenge. Obtaining the lowest rates is accomplished with state-of-the-at software that instantly analyzes hundreds of policy options. That software, coupled with an Ohio broker with more than 29 years of experience, virtually guarantees that you won’t find a lower health insurance rate anywhere else.

Thanks for visiting and I hope we are able to save you hundreds of dollars on your health insurance.

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10 Tips To Save Money On Your Ohio Health Insurance

Ohio health insurance rates are actually quite affordable compared to other states. But whether you’re paying $60 per month or $560 per month, that’s too much. Right?

Well…here are 10 money-saving ideas that might reduce your Ohio health insurance rates. While all of these tips may not apply to you, perhaps a few will lower your premium.

· Raise your major medical deductibles. By increasing the deductible from $1,000 to $2,500, a family of four could save $2,000 per year.

· Consider an Ohio Health Savings Account (HSA). If you don’t have a lot of medical expenses, an HSA could potentially save you tens of thousands of dollars over your lifetime.

· Raise copay amounts if you are not using your office visit coverage more than three times per person per year.

· Combine all family members on one policy to possibly reduce rates. However, if the adult coverage should be different than the dependent coverage, two separate policies might reduce premiums.

· Compare rates every three years. Ohio health insurance rates generally increase each year, and your rates may be increasing faster than other companies.

· If you stopped smoking, notify the Ohio health insurance company. You may be eligible for a reduced rate.

· Are you paying for unneeded coverages? The removal of symptomatic office visit coverage could save hundreds…perhaps thousands of dollars every few years.

· Ask about “Wellness discounts.” Some Ohio health companies will reduce your premium if you regularly exercise and meet other requirements.

· Make sure you are using the “Preferred” Network if you have a PPO policy. You may be paying a higher premium because you are using the wrong Network.

· Purchase your policy through an Ohio broker, not an out-of-state agency that may recommend the wrong plan.

Perhaps the best tip is to let us research and recommend the best plan for you. We’re Ohio’s leading resource for Ohio health insurance plans and your rate is guaranteed to be the lowest allowed by the state.

To instantly view, compare and apply for high quality health plans, please click on the “Get Instant Quote” button at the top of the page. Or call us at (888) 513-6446.

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Ohio Health Insurance Scams

Ohio health insurance is big business. Unfortunately, sometimes it turns out to be monkey business.

When you go online and request an Ohio health insurance quote, you’re likely to be contacted…no…make that BOMBARDED, with calls and emails from across the US. And while the vast majority of persons who contact you are honest professionals, you may be contacted by a con artist looking to make a fast buck.

These Ohio health insurance scams operate in every state and are stealing millions of dollars from innocent victims. And sometimes, you don’t find out until your medical bills go unpaid.

However…there are some warning signs that can help you avoid a scam:

·        The plan appears to be similar to insurance, but the representative used words such as “benefits” and “coverage” instead of “insurance.”

·        You are asked to pay an expensive “application fee” or “association fee” in addition to the premium.

·        The company has no local offices and you have never heard of them.

·        The rep explaining the plan tells you that the policy must be purchased immediately or the rate will go up the next day.

·        The plan you are applying for accepts all applicants. Serious medical conditions do not affect the rate.

·        The rate appears to be substantially lower than other “Name-brand” plans and coverages appear to be higher.

·        The rep tells you they don’t have any materials to send in the mail until after you pay the initial fee.

Of course…as the old saying goes…If it sounds too good to be true…it probably is.

Ohioquotes.com, Ohio’s premier resource for Ohio health insurance plans, never uses any type of “discount plan” or any insurer not rated “A” by A.M. Best Company. To instantly view, compare and apply for high quality health coverage, please click on the “Get Instant Quote” button at the top of the page.

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Low Cost Ohio Health Insurance Plans

Low cost Ohio health insurance plans are available. And you don’t have to sacrifice all of your coverages when you purchase a plan. Some of the most affordable low cost Ohio health insurance plans are described below:

Catastrophic Low Cost Plans

Saver 80 plan from UnitedHealthOne. Catastrophic plan is one of the least expensive plans offered in Ohio. Major medical coverage with many optional deductibles.

Preventative And Hospital Care 3000 plan from Aetna. Catastrophic plan also includes preventative coverage that is not subject to the deductible.

Semi-Comprehensive Low Cost Plans

Value plan from Anthem. Competitively-priced policy allows two office visits per person per year along with limited prescription coverage. Wide range of available deductibles.

Copay Saver plan from UnitedHealthOne. Very similar to Anthem’s value plan, although rates are generally higher in most Ohio counties.

PPO Value plan from Aetna. Another low cost Ohio plan that allows two office visits. Additional office visits are subject to a deductible. Very good preventative coverage included.

Comprehensive Low Cost Plans

Copay Select from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with good preventative benefits (subject to 90-day waiting period).

Premier plan from Anthem. This policy was introduced in early 2009. Very flexible contract with many available riders. Solid coverage although fairly expensive when comparing to other similar plans.

PPO Copay plan from Aetna. Truly a “low cost plan,”…this policy always seems to be one of the more affordable options in this class. Great preventative coverage and wide range of available deductibles.

There are other low cost Ohio health care options. I have tried to focus on the plans that seem to have the most affordable rate in most parts of the state.

To instantly view, compare and apply for high quality Ohio health plans, please click on the “Get Instant Quote” button at the top of the page.

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