Ohio Health Insurance
Low Cost Ohio Health Insurance Plans
Getting health insurance plans in Ohio can be difficult and confusing at first. Here you will find more detailed information on these insurance companies and what they have to offer. From then on, you can utilize this information and see which insurance company best fits your needs as well as your budget.
Affordable health insurance policies can also provide coverage options found in more expensive plans. While most plans protect you from unexpected and extensive accidents, additional benefits may also be included. Visitations to the doctor’s offices, prescriptions, x-ray costs, and preventative exams may also be already be a part of your Ohio health insurance package. Understanding all that your health insurance company has to offer is vital to purchasing it from that company. Most benefits offered nowadays also covers 100% of preventative benefits with no waiting period. In addition, the updated healthcare reform changes mandated the preventive benefits coverage along with more advantages including the exclusion of lifetime caps on benefits paid.
Researching and finding the best coverage plan for your needs (as well as for your dependents) is key to getting the best deal.
These insurance companies will offer lower premium plans for individuals, families, self-employed and even the unemployed. Taking a further look into what these companies have to offer will be beneficial to you and your wallet.
Anthem SmartSense Plus Standard RX: Three office visits are covered, subject to a $35 copay. Additional office visitations are subject to a deductible, although a Network discount may apply. Formulary prescriptions are subject to the greater of a $15 copay or 40%. Non-formulary drugs receive the Anthem negotiated discount. Adult and child preventative coverage is included and the annual lifetime maximum cap has been removed due to national healthcare reform.
UnitedHealthOne Copay Select plan offers the most coverage of any of the low cost plans. Unlimited covered office visitations are subject to a $35 copay and the most preventative benefits are included. Generic and non-generic prescriptions are also included along with a dental/vision discount program included in the premium. To maintain lower premium rates, a medical deductible of $2,500 minimum should be selected. This health insurance plan option is extremely popular in Central and Southwestern parts of Ohio.
UnitedHealthOne Copay Select Value plan allows two office visits per person per year (subject to a $35 copay). Generic prescription coverage is included and subject to a $15 copay. Adult and children preventative doctor office visits are also included but no copay applies. Mammograms, pap smears and PSA testing are also covered with no cost to policy holders. A wide range of deductibles are available, making this plan one of the most affordable Ohio health insurance policies.
Aetna Preventive and Hospital Care 3000: Premiums continue to be lower compared to its competitors, despite a rate increase in 2009. This health plan option includes comprehensive preventive coverages, annual routine GYN exams, pap smears/mammograms and routine physicals. These options are all covered without having to meet the $3,000 policy deductible. The annual lifetime maximum of $1 million has been removed.
Celtic Basic plan provides two office visits that are subject to a $30 copay. The deductible and coinsurance applies to subsequent office visits. Adult and preventive benefits are covered “first dollar” while generic and name-brand prescription coverage is included subject to a $1,000 deductible.
After gaining more perspective on what Ohio health insurance companies can offer and provide, the next step is to acquire insurance quotes. Comparing medical plans by the numbers become easier when you have a guide to take you there. Simply enter your zip code below to get started. In a matter of minutes, you can get a better understanding of how much more you could save on health insurance for the state of Ohio.
