Trying to find affordable coverage in Ohio that will meet your needs really should not be difficult. Choosing the right health insurance plan is one of the most important financial decisions you will make. Our free service will simplify the process for you! We work with all major health insurers in the state of Ohio. We will explain the pros and cons of each plan and help you find an affordable plan that will cover your needs. There is no additional charge for our service and the rates are the same if you use us or go directly to the company. After we help you find the right medical plan, our service does not end there. We will be there to answer any questions, concerns, or help you through the claims process.
Ohio Individual Health Insurance
In Ohio, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Ohio are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
Ohio Group Health Insurance
To continue growing and attracting good employees it is essential for companies to offer its employees health coverage. Group health insurance is sold to businesses and organizations in Ohio who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive compared to individual or family coverage because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.
Ohio Family Health Insurance
Keeping your family healthy is essential to enjoying the best quality of life in Ohio. Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
Ohio Short Term Health Insurance
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike.
Ohio Student Health Insurance
Ohio student health insurance can be affordable and available from most of the major health insurance companies. Premiums are usually less than $100 per month, and in some cases, significantly less than $100. Office visits and prescriptions are generally not subject to a deductible. It is very important that all students have coverage. You can’t predict when an accident is going to occur and it is best that you be prepared. Students don’t want to be left in debt.
