Finding Affordable Ohio Health Insurance

August 23, 2011 | Author: onesourcebenefitsoh | Posted in Business

Ohio health insurance companies provide several types of affordable plans for individuals, families, and employers. The best way to get affordable Ohio health insurance quotes is to find a professional, independent health insurance agent to represent you. Though all health insurance rates are fixed by law, there are many affordable options available. A dependable agent can help you get free quotes from leading providers and also provide expert guidance to choose a plan that meets your needs and budget.

Features of Low Cost Ohio Health Insurance

Many low cost Ohio health insurance plans usually include coverage options found in expensive policies. Catastrophic expenses are generally covered. Office visits, prescriptions, preventative exams, lab/X-ray costs and other additional benefits are also sometimes included. Preventive benefits are fully covered and there is no waiting period. New reform mandates coverage for Free Preventive Care requirements like vaccinations, mammograms and other screenings, while lifetime caps on benefits paid are also prohibited.

Ohio Health Insurance Quotes – How a Professional Health Insurance Agent Can Help

Independent health insurance agencies represent several health insurance companies, and as such, will be able to present you with more plan and coverage options. Whether you are looking for Ohio individual health insurance or a group plan, an experienced insurance agent can help you find an affordable option. Things to look for when you choose an agent are:

• The agent should ideally have an online website where you can check out the various options and apply for instant, free online Ohio health insurance quotes

• A licensed service provider would represent several leading carriers so that you have a wide range of affordable Ohio health insurance choices

• Your agent should be able to explain the details of the available plans and what your options are

• A knowledgeable agent would know how the various carriers view pre-existing conditions. This will help you find out if your medical condition will raise any issues during the Ohio individual health insurance plan underwriting process.

• Ensure that your agent is one who guarantees safety for all your personal information.

A dependable insurance agent can help you review catastrophic, comprehensive, and Health Savings Account (HSA) plans to find affordable Ohio health insurance. Ohio HSAs allow you to pay for your health expenses and also save for qualified future medical and retiree health expenses on a tax-free basis. If you are an employer, the agent can help you review and choose a group insurance plan as well as help you answer any questions that your employees may have.