Docstoc

How to Find an Affordable Ohio Health Insurance Coverage?

Document Sample
How to Find an Affordable Ohio Health Insurance Coverage? Powered By Docstoc
					  How to Find an Affordable Ohio Health
            Insurance Coverage?
                                                       Are you wondering how to find an
                                                       affordable Ohio health insurance
                                                       coverage for you and your family?
                                                       It wouldn’t be too daunting or
                                                       confusing if you are willing to set
                                                       aside some time and carry out a bit
                                                       of research. By the time you finish
                                                       reading this article, you would
                                                       have acquired enough basic
                                                       information to find a suitable
                                                       healthcare plan.

Ways of Finding Affordable Health Insurance in Ohio

Search Online – almost all Ohio health insurance companies that offer affordable
coverage have user-friendly websites that give a detailed company profile with
comprehensive information ranging from availability of various health insurance plans, to
policy pricing and customizable options for your individual needs. You can even get free
and quick online quotes. But, a word of caution; before going online, ensure you know
exactly what you need so that you don’t fall prey to advertising gimmicks that you have
no use of.

Talk to an Agent – If you find websites that confuse you with terminologies and jargons,
don’t hesitate to talk to a health insurance agent. Some of them may be willing to come to
your home and make a presentation of their service. They would explain diverse features
and benefits of various Ohio health plans and help you decide on the one which suits you
the most. You wouldn’t even have to bother filling in each and every form as they would
be more than willing to help you with the paperwork.

Decide on Individual or Family Policies – There are various kinds of Ohio health
insurance policies available and clearly there is no ‘one-size-fits-all’. Some may be more
affordable than others. If you have a family, you can insure your entire family as one, or
you may find that it is more affordable to insure each member separately. Think wisely
and choose well, you may be saving more than you hoped for.

Decide on Coverage – Determine how much coverage you and your family would
require. You should be able to decide on the kind of health services you expect based on
the current health needs of your family. In other words, it would be worthwhile to take a
larger coverage for someone who has a chronic health condition than for one who hardly
pays a visit to a physician.
Monthly Premium and Annual Deductible – Familiarize yourself with monthly premium
and annual deductible in Ohio health insurance policies that you have short-listed. If the
monthly premiums are too high, choose a policy where the annual deductible is higher.
However, you would have to pay for medical expenses till the time you have cleared the
deductible. Therefore, consider the cost of co-insurance which the insurance provider is
willing to meet.

Understand Policy Conditions and Clauses – Most Ohio health insurance companies
will probably have a waiting period of anywhere from 6 months to 1 year before your
medical expenditure will be covered. In some policies premiums may be higher so it is
important to understand the terms, conditions and clauses before you make a decision.

Compare Policy Quotes - One of the easiest ways of finding affordable health insurance
coverage is to compare policy quotes. You can ask your insurance agent to do this for
you or you can do it yourself over the phone by calling the insurance agency.

Check for Complete Health Benefits – Some Ohio health insurance policies may be
more affordable than others but you may not realize the catch until it’s too late. Certain
policies may not offer vision and dental coverage. So, before you buy a policy, check if it
offers complete healthcare benefits.

Choose a Reliable Insurance Company – Don’t have second thoughts when choosing a
policy from a health insurance company which is trusted by many. Ascertain that it has a
reliable track record and doesn’t raise questions as often as you submit claims.

Major Insurance Companies and Types of Plans

Health Maintenance Organization (HMO) plans are more affordable than others and a
good choice for a family that does not have too many health concerns. On the other hand,
a Preferred Provider Organization (PPO) may cost more but offer a wider network of
healthcare providers. Anthem Blue Cross Blue Shield, Aetna, United Health One and
Humana are companies that offer affordable Ohio health insurance coverage for
individuals and families.

So if you are giving serious thoughts on insuring you and your family, you can be assured
that you are ensuring not only their health but also your financial security.

One Source Benefits
616 Belleview Blvd
Steubenville
OH 43952
877- 549- 1212
http://www.onesourcebenefits.com

				
DOCUMENT INFO
Categories:
Stats:
views:25
posted:4/25/2011
language:English
pages:2
Description: Are you wondering how to find an affordable Ohio health insurance coverage for you and your family?