Affordable Ohio Health Insurance Plans

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Ohio Open Enrollment Help For Obamacare Health Insurance

If you are enrolling for Ohio healthcare coverage through the Insurance Exchange, you may need free professional guidance to help compare the best medical plans, calculate your federal subsidy,  determine eligibility, and enroll online for the best effective date. Fortunately, we specialize in assisting customers find the most affordable Ohio Marketplace policies, and making it easy to apply and purchase comprehensive benefits at the lowest cost. Although we probably say this on every page…it’s important to state it again – there are no costs or fees when we help you enroll, and thanks to state regulations, you won’t find lower prices on any other website. How We Help You Selecting the right plan is perhaps the most important part of the process. There are five types of coverage: Platinum, Gold, Silver, Bronze and Catastrophic. Although finding the least expensive offer should always be considered, it’s equally important to select the policy that pays most (or all) of your current medical bills with as little out-of-pocket expenses as possible. For example, if you are required to have routine blood work every two or three months along with other diagnostic tests, it could be very expensive if you have to meet a deductible to cover these items. Easily, you could pay $2,000 or more. If you take medications, we’ll review the RX benefits of all available plans and show you the...

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Ohio Health Insurance Exchange Frequently Asked Questions

The Ohio Health Insurance Exchange is the new way to buy healthcare in the Buckeye state. Although our website makes it easy for you to compare Marketplace plans and apply for coverage, we understand there are many questions that consumers have. Whether its regarding 2021 Open Enrollment, Obamacare subsidies or finding the cheapest options, we have the answers for you. What Is The ” Exchange” And When Can I Buy Policies? It’s the relatively new “Marketplace” that was created by the passage of “The Affordable Care Act.”  Different plans are offered from various companies (not all of them) and policies are quite different since there are mandatory coverages that must be included. Single, family and small business plans are offered. Open Enrollment typically begins in November for policies that have next-year effective dates. However, the deadline for coverage on the 1st of a month is the 15th day of the preceding month. For example, if you want benefits to begin on January 1st 2016 or 2017, we must process your application no later than December 15th. What Is The Easiest And Quickest Way To Enroll? We make it very easy for you. Our “Direct Enrollment” link allows you to streamline the process by electronically transferring your information to the .gov website without you having to personally visit the site. Your federal subsidy is automatically calculated and applied, and in...

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List Of Medical Conditions Now Covered Under Obamacare

Have you been previously denied for a pre-existing condition when applying for health insurance? Or, were you charged a higher premium (perhaps substantially higher) because of a current medical ailment or medication you took in the past? If you have, you understand the difficulty of finding and purchasing affordable healthcare in Ohio before the ACA legislation was passed. The good news is that the practice of denying coverage, increasing prices or delaying benefits for specific conditions, ended several years ago. Effective with Open Enrollment, you are not required to answer medical questions, take a physical, or pay a higher cost for any medical treatment you ever received. However, “grandfathered” plans (typically issued in 2010 or earlier) are not required to pay for treatment of conditions that have been previously excluded. The only variables effecting the cost of your coverage are your zip code, age and smoking status. You also may qualify for a huge federal subsidy to pay your premium. The credit is based on your individual (or family) projected income for the current year. We can review the calculation with you and explain how affordable your prices are. List Of Medical Conditions Now Covered By Ohio Health Insurance Plans: Acromegaly Adam’s Stroke’s Syndrome Addison’s Disease Adrenocortical Hypofunction And Insufficiency Aids Amyotrophic Lateral Sclerosos Angina...

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Our Little Girl Is Attending Ohio State University

Do you have a daughter? If you do, you understand how precious they are. Whether they’re hugging Minnie Mouse at Disney, dance recitals, her first day at kindergarten or trying on Mom’s clothes, little girls are always special to Daddy. And then, before you know it, they grow up. Fast. Really fast.  It was just yesterday (or so it seemed) that our daughter talked about how much she enjoyed junior high school. Her seventh grade teachers were all very special and the big school was so neat. Wait a minute. That wasn’t yesterday. That was more than five years ago. And now, she’s a young lady, less than a week from starting her college life at Ohio State University. THE Ohio State University. Wow. The campus is a lot bigger than her junior high school and all other schools she attended combined. In fact, OSU is bigger than our hometown of Springboro. Well…Perhaps it just seems that way. At $25,000 per year, OSU isn’t cheap. But a combination of  scholarships have reduced the cost, and with travel time only about 90 minutes to the campus, it’s a lot better than when I lived in Harrisburg (Pa) and went to Miami University instead of Penn State or Pitt. I don’t think my parents ever forgave me for that. Her high-school years just flew by. Not that long ago, I was coaching her 5th-grade basketball team. And yet, just a few months ago, we were watching her deliver one of the...

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Some Answers Questioned – Some Questions Answered

I have many answers to questions, and many questions to answers. Here are a few of them and my apologies for straying off-topic for the first time. I think I’m allowed to do this once. Kathleen Sebelius (Health & Human Services Secretary) said she was talking with the National Football League (NFL) about helping them promote the new healthcare legislation? Of course, we all knew the NFL would have no part of it. And why would they? Obamacare badly need the help of young healthy men, which happen to make up a large portion of NFL viewership. Not surprisingly, the NFL released a statement directly contradicting Sebelius, saying they had no interest in promoting the legislation, and were never had any discussions regarding the matter. Corn on the cob  is ridiculously cheap. At about 10-15 cents per ear, it has to be one of the great bargains in food. If it were healthy enough to eat all of the time…imagine your grocery bill. About $1 per day. Then again, I love Chinese food too much to try the corn experiment. I could easily eat Garlic Chicken every day. Kings Island, Hershey Park, Disney World and Disneyland. I have been to all of them. Guess which one I prefer? OK, it is true that Kings Island is only 25 minutes away, but if you live within five hours of Mason (Ohio), start planning your trip there. Some of the newer attractions include the world’s largest animatronic...

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Health Insurance Rates In Ohio Jumping 88% Due To Obamacare

The Ohio Department Of Insurance (DOI) announced today that health insurance policies sold in the upcoming Exchange will cost (on average) 88% more than current plans. The large increases are due to mandatory essential benefits required by Obamacare and The Affordable Care Act legislation. The  projected were provided by the Society Of Actuaries. These increases do not take into account federal tax subsidies that many individuals and families may qualify for. Families with incomes under $96,000 and individuals with incomes under $34,000 should qualify for assistance. This cost-sharing formula is based on 400% of the  Federal Poverty Level (FPL). Each year, the income levels and subsidies are recalculated to adjust for inflation. Cost-sharing assistance will also potentially reduce copays, coinsurance and deductibles. Need Department Of Insurance Approval The proposed prices still must be studied and approved by the DOI. This process will probably take approximately four weeks. When the rates are issued, they could be different than the original submitted rates. Also, insurers could decide to reduce the number of policies they are offering, or completely withdraw for the Exchange Marketplace. One of the principal reasons that  individual health insurance rates are increasing so substantially, is because of all the numerous “mandated” (required by law) benefits that must be...

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Kaiser Permanente Out – Catholic Health Partners In

Kaiser Permanente of Ohio is selling its health insurance operations to Catholic Health Partners (CHP), one of the largest healthcare system in the state and the US. With more than 24 hospitals  and numerous additional facilities, they specialize in providing affordable quality care in the communities they service. More than 75,000 persons are currently covered by Kaiser in the Akron, Canton and northeastern portion of Ohio. Along with Anthem Blue Cross, UnitedHealthcare and Medical Mutual, CHP has a large market presence in the area. They are highly-respected and are active participants in local community events. Although it will take a few months for the entire process to be completed, no glitches are expected and patients will be able to make a very smooth transition. The risk of lost jobs (which is not new to the area) is virtually guaranteed although the exact number is not known. Although there are some employment opportunities in the immediate area, many workers will have to move elsewhere are transition to a new occupation. No Marketplace Plans For Kaiser This move will probably eliminate the possibility that Kaiser participates in the Ohio Health Insurance Exchange Open Enrollment in October. Policy and rate filings must be submitted within the next few months, and already, a few major carriers have decided to sit out 2014 and instead study the success (or lack of...

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US Government Will Take Over State High Risk Program

The US Government will take over Ohio’s high  risk health insurance program administered by Medical Mutual. Initially, the special “pool” was created to assist persons that could not obtain healthcare because of medical issues, or were not eligible for Medicare or Medicaid. More than 3000 state residents are currently covered under these “risk pool” plans. Although prices are high, provided benefits pay for most expenses. But unfortunately, in most states, the amount of money provided to fund the program ran out, since the number and dollar amount of submitted claims was much higher than anticipated. Here in Ohio, the request for financial aid to save the program was denied by Kathleen Sebelius, the Secretary of the US Department Of Health And Human Services. Sebelius insisted that at least $10 million additional dollars be spent by the state. As a result, it is likely that benefits will no longer be as comprehensive compared to the previous available policies. Network participation is expected to reduce, and out of pocket expenses,such as copays and deductibles, may be increasing. And since there are no alternatives until 2014, consumers in the “high risk” category will have to find a way to pay the extra money. It’s expected that a covered $100,000 claim could increase maximum out-of-pocket expenses between $1,000 and $2,500. Medicare Not Affected Medicare recipients will...

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