United Health One Ohio’s Best Health Insurance Option

If you have lived your whole life in Ohio you may not know that Ohio is one of the most affordable states for health insurance. Not only does Ohio have great rates but it also has a great deal of health insurance providers. Sadly, United Health One is leaving the individual market in 2017. This means it will not sell Obamacare plans, but it will still offer short term coverage.

Ohio’s Best Health Insurance Companies

Anthem BlueCross BlueShield of Ohio has long been one of the most recognized providers. It is particularly popular in the Columbus, Ohio area as many businesses offer this coverage to their employees. On the individual level, it is a strong seller, but often Anthem BlueCross BlueShield of Ohio is reluctant to offer unlimited visits. Most plans have limited visits, like the Ohio Obamacare Plans which only have three visits per a year.

For the family who has moved to Ohio you may be used to spending 20-40% more for your health insurance. If money is not object then Blue Cross is always a good option in most states.

If you have a long history of being self employed and having to buy your own health insurance, then you certainly have shopped around at least a few times in your life. By now you have probably came to the final decision that United Health One is the best option for coverage.

United Health One is owned by United Healthcare who is the largest provider of medical coverage in the world. Personally, I think the best reason to buy United Health One is that they are in most states, so if you are traveling or you relocate you can keep your same plan. This is not the case with any Blue Cross Blue Shield. A second reason to buy UHC is that they have the least increases in premium. Companies like Cigna and BCBS often do a 15% rate increase after the first year. United usually only has a few % pts.

Lastly, Aetna is another option for Ohio residents. If you have tailgated at one too many OSU football games and your height to weight is not the most favorable then Aetna may be an option for you. However, Aetna is keen to decline coverage if you have not had a physical within two years, so this can pose a problem to many overweight applicants.


Cleveland Ohio Health Insurance

In this day and age, Ohio Health Insurance is essential. Families are bombarded with stress and problems stemming from work, finances and all the difficulties in between. Amidst the chaos of a normal life, we don’t want to think of the possibility of a health concern being added to the list of our worries.

Nevertheless, the matter needs to be addressed before the need arises. If health coverage isn’t considered in advance, then a trip to the emergency room for you or your family could turn into a financial nightmare.

Financial consideration is not the only reason you need Cleveland Health Insurance is important. Health coverage also provides for peace of mind. Whether you are on your own or you are supporting a family, having health insurance gives you the freedom of giving yourself and your loved ones the proper health care needed.

With the threat of the avian flu and pig flu hanging over all of us, it is important to keep yourself and your family healthy. The freedom to bring your child or even yourself in for a routine checkup may be the difference between keeping up with school or work and missing important days due to illness. Some may hesitate for fear of the bill a doctor’s visit will bring, but with the proper health care to fit your circumstances, a doctor’s fee won’t be so daunting of an obstacle.

With all big decisions in regards to health insurance, the first question that comes to mind may be ‘What are my options?’ It’s important when choosing the right health insurance for your family to consider all the possible options and determine which will benefit your situation the most. Aetna, Anthem Blue Cross Blue Shield of Ohio, and OhioHealth are just a few insurance companies that you can consider to fit your health insurance needs. When reviewing an insurance company, consider a few questions: What plans are offered that best fit my situation and medical needs? How much will I save with this company in comparison to the others? Do they have a reputation for quality patient care?

A noteworthy medical center to mention is Ohio State University. OSU is the only academic medical center in central Ohio and named one of ‘America’s Best Hospitals’ in the U.S. News & World Report magazine for the 17th consecutive year. They aim to personalize health care and serve the community through research and application of new knowledge. OSU is a healthcare provider for the health insurance plans mentioned in the previous paragraph, and they also provide a health plan for their employees and dependents under The Ohio State University Health Plan Inc.

Another way to make the best informed decision regarding health insurance is to research the hospitals in your area. The Riverside Methodist Hospital and Doctors Hospital are both wonderful Ohio Hospitals. Another great option is the Nationwide Children Hospital, which offers specialized care for children and adolescents. Explore your options under your chosen health care provider to ensure that you and your family’s health needs will be cared for to the fullest extent possible.

Call 877-305-9083 for a Cleveland health insurance quote.

Finding the right health insurance for you and your family is an important task. Be sure to consider what you need in a plan and do the research to find the plan and hospital that is right for you. You’ll thank yourself for it later.

Find Health Insurance Quotes in Ohio

Ohioans, need health insurance because no one can predict what medical expenses are going to come up today, tomorrow, in a week, a month or a year, and health insurance protects a family from unexpected medical expenses resulting from a serious injury and/or unforeseen illness. Knowing that family members are protected brings peace of mind to the family. In addition, research has shown a link between getting better health care and having health insurance and because people who have health insurance are more likely to also have a regular doctor and they will have better access to medical care when it is needed.

Help me Find Ohio Health Insurance Quotes! Call 877-305-9083.

In Ohio employers can offer health insurance to their full-time employees and families, however they are not legally required to do so and a number of employers, choose not to provide health care plans for their workers. With the huge Ohio unemployment numbers and the many company cutbacks, it is harder than ever to find a job that offers health insurance coverage. In some instances, Ohioans are working two part-time jobs and are not offered full-time hours to work the time needed to be offered group health insurance.

Families not qualifying for employer health benefits have two other options before seeking assistance for health insurance from the state, which nearly always costs more than buying into a group health insurance policy, unless you are at poverty level and then you can get possibly get on medicaid for one year.

One of these options for getting reasonably priced health insurance in Ohio is to get a quote on a high deductible PPO copay plan, such as the plans offered through Anthem Ohio SmartSense. Fortunately, these policies are more affordable for the ordinary person because of the higher deductible and limited office visits.

A second option for obtaining affordable health insurance in Ohio is to establish a Health Savings Account, also known as an HSA. These health insurance policies usually quote at a good rate and do provide 100% preventive coverage, but are subject to deductible on other services. These plans do provide a way for a family to save money that might be needed for a future doctor’s visit, medical treatments and provide a tax write off.

The following is a list of companies that sell health insurance in Ohio with comments found online about their individual policies:

Anthem SmartSense – has a $35 Co-pay on office visits with no deductible for generic prescriptions.

Anthem Luminos Health Savings Account – considered to be a top carrier with preventative coverage and excellent premium.

Medical Mutual SuperMed One – has a basic policy.

UnitedHealthOne Copay Select – Sold traditional benefits benefits including unlimited office visits and brand name and generic drug coverage.

Celtic Preferred Select – Celtic’s best policy.

Aetna MC Open Access Value – excellent coverage for people with pre-existing conditions.

UnitedHealthCare – Great policies offered through Golden Rule Insurance and UnitedHealthOne.

Can’t get approved for Health Insurance?

If you got an Ohio health insurance quote, applied, and was declined coverage, then you have to check with Healthcare.gov. Here you will be offered coverage an a very high premium.

Add Dental and Vision to your Ohio Health Insurance

Ohio has many options when it comes to getting a quote on health insurance. Some of the most popular carriers to chose from are Aetna, Anthem Blue Cross Blue Shield, Assurant, HumanaOne, and UnitedHealthOne. Most of these carriers have dental that can be added to the insurance policy.

If you already have a quote on Ohio health insurance you may want to add vision and dental insurance to your policy. Often times you can work with an agent and have the agent package them together.

Call 877-305-9083 to speak with an agent.