Affordable Ohio Health Insurance Plans

Thousands of Ohioans are losing their jobs…and their health insurance. Cobra is expensive, and the alternative of being without medical coverage is not an option. But wait! Actually, there are many affordable Ohio health insurance plans available through major Ohio health insurance companies. While some coverages may be limited, rates are extremely competitive. Perhaps the two best options are: UnitedHealthCare’s “Copay Saver” plan provides two office visits per year (per person) subject to a $35 copay. Wellness visits are also included. Two additional visits may be purchased at a nominal cost. Generic prescriptions are covered with a $15 copay. Brand-name drugs are not covered. Preventative mammograms, pap smears and PSA screenings are also covered after the deductible. The lifetime maximum is $3 million per person and coinsurance after the deductible is a standard 20% (with a cap). The maximum number of deductibles per family is two. Perhaps the most important feature of the policy is it’s low cost. For example, coverage for a family of four (two adults ages 40 and two children in Franklin County) would cost only $171 per month ($7,500 deductible on major items) or $228 ($2,500 deductible on major items). UnitedHealthCare offers many affordable Ohio health insurance plans. “Catastrophic only” coverage plans will tend to be the least expensive. Anthem’s “Blue Access Value” plan is the other option. Once again, two office visits (per person) are covered, subject to a $30 copay. Generic formulary prescriptions are covered with a $10 copay. Brand-name prescriptions are also covered with a $25 copay and a $200 deductible. Generic non-formulary prescriptions are covered with a $10 copay. Brand-name non-formulary prescriptions are not covered. The lifetime maximum is $5 million per person and coinsurance after the deductible is 30% (with a cap). As with the “Copay Saver” plan, the maximum number of deductibles is two per family. Monthly rates are also extremely competitive. Rates for the same family of four are $227 per month with a $5,000 deductible on major items and $267 per month with a $3,000 deductible on major items. Anthem Blue Cross specializes in plans with office visits and prescriptions. They offer a wide range of Ohio medical insurance plans, include Ohio Health Savings Accounts (HSAs). These two plans do not contain some of the coverages that a more comprehensive will have. But if saving money on your Ohio health insurance policy is a priority, then these plans are worth considering. The premier source for Ohio health insurance plans is http://www.ohioquotes.com. All major companies are researched with special emphasis on rate stability, affordability, and prompt claims-paying ability.