Which Ohio health insurance company should you choose? Anthem Blue Cross, UnitedHealthcare, SummaCare, Aetna, CareSource, Medical Mutual, Oscar, and Humana and several other carriers offer many low-cost private or employer-provided plan options. How do you determine which policy is best for you? And are you paying for coverage you won’t need? Or are you possibly buying a policy that excludes an important coverage you should have?
We present plans side by side, so consumers can quickly view differences in cost and benefits. Applicants can choose an HMO, PPO, EPO, or POS option from many individual and group plans. Local and national provider networks provide a large number of available physicians and hospitals.HSA plans offer lower premiums, 0% coinsurance, and medical, dental, and vision expenses that become tax-deductible.
Unless you have at least 20 years of experience servicing customers, understand all of the recent new and updated legislation, and have studied the impact of federal subsidies on available plan choices, it may be difficult to make an informed decision. And that’s where we can help. With more than 40 years of reliable experience…all here in Ohio…we help you determine which company and what plan meet your needs the best. Prices and plan availability change each year, so it’s important to annually review options.
Whether you need a federally-subsidized Obamacare policy, or an “Off-Marketplace” plan, we will always research, review, and find your best options. Senior Medicare products are offered for most persons that have reached age 65 and have signed up for Parts A and B. Supplement plans can often reduce your out-of-pocket expenses, and the provider network is nationwide. Medicare Advantage plans lower premiums, and often include prescription drug benefits and dental and vision coverage. However, the carrier provider network must be utilized.
Local Experts That You Can Trust
Many websites online are not locally-based, and therefore may not be familiar with recent rate or coverage changes. Although bigger national websites do a great job of telling you who are the best physicians in Denver, what “Silver-tier” plan has the best cost-sharing in Minnesota, or which carrier has the best prices in Tennessee, that type of information doesn’t help you right now. You need to know which policies provide the most benefits to you and your family, have the lowest rates, and also allow you to pay the least amount of out-of-pocket expenses.
Our specialty is finding those specific options that offer maximum coverage at the most affordable rate. Only “A” rated companies (either A.M. Best, Standard & Poors or Moodys) are considered, and rate stability and prompt claims-paying ability are very important. If you are eligible for financial assistance from a federal subsidy (instant tax-credit), we will explain how the amount is calculated, and which plans can maximize the money best.
No Limited Benefit Or Discount Plans Available
We never use “limited benefit” or “discount” plans, and the rates you view on this website are the lowest prices that consumers can purchase. Both of these types of plans are typically offered by smaller carriers that choose not to participate in State and federal Marketplaces. The policies that are made available have high out-of-pocket expenses, caps on payable benefits, limited prescription coverage, and often an application fee that is non-refundable.
Our website and team of experts help you with the application process from start to finish, or you can enroll unassisted. Regardless, we’re always available, often until midnight. Understanding which specific plans are the most competitive in your area is critical. New options are typically introduced every year, and existing plans occasionally become unavailable. Occasionally, your current plan may be replaced or discontinued.
Molina, Anbetter, Anthem, and CareSource offer attractive prices in the 452 zip codes, which consist of Cincinnati and most of Hamilton County. In the Dayton area and zip codes 454 (Montgomery, Miami, and Greene Counties) CareSource, Molina, Ambetter, and Medical Mutual are carriers that should be strongly considered. The 432 area (Franklin County) offers attractive rates from Oscar, CareSource, and Medical Mutual. However, InHealth, a popular Co-Op, no longer offers plans after being declared insolvent.
Lately, Medical Mutual has been able to offer some of the most attractive rates in many areas. Their HSA rates are very competitive. There are many more variables to consider, and our job is to thoroughly research your options and give you an unbiased recommendation.
Streamlined Application And Enrollment
The application process is quick, and quite painless! When the Ohio State Health Exchange was created, all medical questions were deleted from the application. Premiums are based on your age, zip code and your smoking status. The only financial questions pertain to your income, so your eligibility for the federal tax credit subsidy can be determined.
You’re also always represented by an experienced broker…not an out-of-state call-center that may recommend the wrong plan. Your application information is never shared with any other source and a privacy statement is available upon request. We don’t retain personal financial data, so you never have to worry about a data leak.
Once you have been accepted by the carrier, our service doesn’t stop. We always help you with claims, benefits issues, or billing questions, and provide a free annual review to make sure your coverage still matches the original reason you purchased the policy. Remember…you can always apply for a new plan under Open Enrollment without any medical underwriting.