How To Buy Affordable Health Insurance In Ohio
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 health insurance in Ohio.Finding a Suitable Ohio Health Insurance Plan
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, copayments (the fixed fee for a doctors 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 copayments.
Consider plan services. Cost is not the only thing you should be looking at. Its 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 plans medication list includes them. If you are planning a family, see if your plan covers maternity benefits.
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 health insurance Ohio. A health insurance broker would also help with the application process and also tell you all you need to know about your coverage.
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