Trying to understand all of your Ohio healthcare plan options is not easy. As the top Buckeye state health insurance broker Agency, we explain all of your Marketplace Exchange policy options, and show you how to find the coverage that costs the least. If you are eligible for a premium-reducing federal subsidy, we determine your eligibility and instantly reduce the rate.Depending on your household income, $0 premium plans may be offered with low out-of-pocket expenses, and copays for most office visits and prescriptions.
We specialize in helping individuals, families, the self-employed, and small businesses find affordable medical coverage. Our website provides the convenience and many advantages of shopping for policies on one single site. Since rates must be approved by the Ohio Department of Insurance, lower rates are not available. Comparing multiple plans allows you to quickly view prices and benefits, and determine which plan is the most cost-effective.
Under-65 Open enrollment begins November 1 and ends December 15th.The Senior Medicare open Enrollment period is from October 15 to December 7. Potential applicants that miss the deadline may be able to apply for guaranteed coverage if specific conditions are met.Special pandemic Open Enrollment extensions are sometimes offered (COVID in 2021) that provide access to all available Marketplace plans.
No Medical Questions!
You also may have noticed that we no longer ask any medical questions. That’s because they are no longer required for Marketplace coverage! Other changes include your possible eligibility for a government financial subsidy to pay some, most…or yes…possibly all costs. Since the subsidy is a tax-credit that is determined by your total household income, any upcoming changes in salary or job status should be considered. For example, unemployment income must be included in your total household income calculation. Income from other family members that are not insured must also be included.
Ohio Medicare Supplement plans for Seniors are also not medically-underwritten. Therefore, no medical questions are asked during Open Enrollment periods (October 15-December 7) and during the initial eligibility period (generally when an applicant reached age 65). Plan G (HD) plans are likely to be the least-expensive option, although all policies should be considered before enrolling.
There are no fees or costs for utilizing any content in our website, and we personally review and update all articles, so they are relevant. For example, when Presidential elections end, we immediately provide “Exchange” information, even though they may not become effective until the following year. Also, during Presidential election years, we evaluate all significant healthcare changes that can result in either candidate winning the nomination.Although “Medicare For All” is not likely to become a reality, other potential changes could occur, including the creation of a “public option.”
No Fees Ever! This Is A Free Website
There are no agent or broker fees, or silly memberships you have to pay. You also don’t have to register a new account to get a free quote or compare prices. The Affordable Care Act has created many opportunities that could potentially reduce your premium up to 100%. We show you the best on and off Exchange policies so you can get coverage cheaply, quickly, and without spending too much of your valuable time. You can enroll by phone or through an online link. All of the information you provide is secure and not harvested or shared.
We are one of the few websites that allows you to quickly compare rates from multiple carriers instead of one company. For example, you can view Anthem’s best rates and plans, along with policies (individual, group, or Medicare) from UnitedHealthcare, Medical Mutual, Humana, SummaCare, CareSource, Ambetter, Molina, Oscar, Aetna and other large companies. Short-term plans are available throughout the entire year.
If you need help understanding the different Metal plans (Platinum, Gold, Silver and Bronze), we can explain which options cost less, but also how much extra money you would pay if you were hospitalized for a significant amount of time, or needed medications or therapy for a specific condition. The rate is obviously an important factor to consider. But your potential out-of-pocket costs are just as vital. There are many deductible options, although the maximum is $8,550. It is probable that this amount will be increased in 2022.
How Can I Get Health Insurance Assistance?
You can call or email us, and the response will be very prompt. Face-to-face appointments can also be scheduled. Regardless if you are eligible for Medicare, Marketplace coverage, CHIP, or Medicaid, we show you all available options so you can make an informed decision. If you are unemployed, it’s possible you may qualify for free benefits with the assistance of federal subsidies and other state programs. During pandemics, US citizens that qualified for unemployment benefits, may also qualify for low-cost (or no-cost) Exchange plans.
Lower-income households may also qualify for free or low-premium plans. Maximum income levels will impact eligibility and available benefits. Also, changes in household income can affect options for all adults and children. Households with one spouse receiving Medicare benefits can also qualify for a federal subsidy (instant tax credit). If CHIP is available to dependents, coverage should be strongly considered, since the premium, copays, and out-of-pocket expenses will be low.
Personal And Financial Information Not Needed
We don’t require you to register, provide your social security number, or tell us your father’s middle name! We know that many consumers do not like visiting or applying for coverage through the .gov website. You will always view the same prices on our website, and we guide you through the entire application and enrollment process and continue to be your personal resource long after you have been approved.
We are located here in the Buckeye State, and therefore, 100% of our efforts are used to help you find the best Ohio health insurance plan at the most competitive rate. We don’t hire inexperienced or unqualified workers, there are no glitches or delays to worry about and, you won’t be put on hold if you call us. Emails are answered as late as midnight.
Each year, an annual review is conducted on your current policy, to ensure the plan continues to be the most suitable and cost-effective option. We also re-calculate your federal subsidy, and help you with Medicare or Medicaid options, if applicable. Chip and Medicaid benefits may be offered to dependents if your household income meets specific guidelines.
Unlike many out-of-state websites, 100% of our content is focused on the medical coverage that is offered in your area, for both Seniors, and residents under age 65. By reviewing all available options, you can easily compare affordable policies and enroll online for coverage in less than 25 minutes.