subject: More About Affordable Health Insurance [print this page] One of the best places to look for affordable health insurance is on the internet. If you use a reliable search engine, you will get a comprehensive list of the different companies that offer affordable health insurance in Ohio. Some plans to try out include Anthem Blue Cross, UnitedHealth One, Medical Mutual, Aetna, and Humana.
UnitedHealthOne Copay Saver offers two doctor consultations, per person a year, although there is a copayment of $35 a visit. Generic prescription medication is covered, with a $15 copayment. Preventative consultations are also included in this package, and are subjective to a $35 copayment fee. Tests such as mammograms, pap smears, and PSA are subjective to the deductible. The reason why this plan is considered one of the most affordable health insurance Ohio is because of the wide range of deductibles.
Anthem Blue Access Value offers affordable health insurance Ohio. It covers two doctor consultations a year, but with a $30 copayment. Both generic and brand name formulary medication is covered, with no copayment involved. Unfortunately, non-formulary medication is not covered. This is a common practice in most low-cost plans. It also covers a lot of the preventative services, but they are subjective to the major medical deductible. Although this plan does offers a $5 million lifetime maximum benefit, and it is cheaper than many of the other insurances available, it lacks a lot of the benefits other plans have.
For affordable health insurance to be cost effective, look at the benefits included. Anthem SmartSense Generic Rx offers three doctor consultations with a co payment of $35. Consultations after that are subjective to a deductible. Generic and a limited number of brand name medications are covered, with a $15 copayment. Also included in this policy is a limited amount of child preventive coverage. There is also a lifetime maximum amount of $7 million.
Considered the ultimate affordable health insurance in Ohio, Aetna Preventative and Hospital Care 3000, offers low premiums as well as excellent benefits. For example, you receive comprehensive preventative coverage, annual gynecological exams, pap smears, mammograms, and doctor's consultations are covered, without having to meet the $3000 deductible; and the maximum annual lifetime amount is $1 million.
Out of all the affordable health insurance, UnitedHealth One Copay Select is the most comprehensive of all the above insurance plans, which covers unlimited doctors' consultations with a $35 copayment. Most preventative benefits are included, but do have a 90-day waiting period. Generic and non-generic medications are included, plus it covers a dental/vision discount program. In order to keep premiums low however, try and choose a $3500 deductible.
The above are just a few examples ofaffordable health insurance Ohio. The best thing to do is shop around, compare quotes on different websites. There is a policy for everyone.
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More About Affordable Health Insurance
By: Fazal Zubair
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