How to Buy Affordable Health Insurance in Ohio
To buy affordable health insurance in Ohio, there are many things you need to consider.
Choosing from among many different kinds of policies can be quite daunting and getting
professional guidance is therefore a very practical option
According to the 2010 Ohio Family
Health Survey, employer health
insurance now only covers 57
percent of the population, down from
66 percent in 2008. This is one of the
many reasons why you should be
looking at how to buy affordable
Ohio health insurance.
Finding a Suitable Ohio Health
Choices are complicated when you shop for health insurance on your own. There are
many health insurance companies in Ohio offering several kinds of plans such as
Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point-
of-Service (POS), Health Savings Account (HSA) and High Deductible Health Plan
(HDHP). So choosing the right one can be quite a challenge.
* Consider your basic expenses. One of the first things you need to do when you are
looking for affordable health insurance is to make a list to compare coverage and
benefits between plans. Things you should consider are your basic expenses such
as the yearly deductible, maximum out-of-pocket costs, co-payments (the fixed
fee for a doctor's office visit or medical test) and coinsurance (your share of
prescription and hospitalization expenses). If you are young and in good health, a
policy with a high deductible - the maximum you pay out of pocket before your
insurance pays - is an advisable option.
* Avoid plans without an annual cap. This cap is the amount the insurer will pay
toward your covered expenses in a year. You pay the rest of the expenses. Even
for plans with a cap, you will be covered only if the insurer considers the
expenses medically necessary, and you may still have to make co-payments.
* Consider plan services. Cost is not the only thing you should be looking at. It's
also important to know what your plan covers and what it excludes. So consider
and compare plan services:
If the plan is automatically renewable
If there is a limit on office visits
If your plan cover specialist services
If you need a referral to see a specialist
* Consider special needs. If you have regular prescriptions, check if your plan's
medication list includes them. If you are planning a family, see if your plan covers
Shopping Online - the Best Way to Find an Affordable Policy
Established Ohio health insurance brokers have online websites that make your task of
finding affordable coverage easier. Health insurance brokers represent leading health
insurance companies and offer you the facility to make online comparisons. You can
obtain instant, free quotes as well as benefit from professional advice to find affordable
Ohio health insurance. A health insurance broker would also help with the application
process and also tell you all you need to know about your coverage.
About the Author
Tracy McManamon is a licensed Ohio health insurance agent with over 22 years of
experience. He and his team members help clients choose from affordable plans which
suit their individual needs.
Address: One Source Benefits
616 Belleview Blvd
Toll Free Number: 877-549-1212