Catastrophic coverage. Comprehensive coverage. Health Savings Accounts. If you’re shopping for Ohio health insurance plans, the number of choices is overwhelming. Of course, rates are a big factor in the decision-making process. But it’s also important you know what type of policy you are getting.

 

Some policies will provide excellent coverage with very little out-of pocket expenses. Other policies will feature lower rates and concentrate on covering only the major expenses. Determining all of your anticipated medical expenses is impossible to predict. But finding an affordable health insurance plan is possible, if you consider all of your options.

 

Here’s a quick guide to help you make an informed decision:

 

Comprehensive Plans

 

Anthem Blue Access Plan 2

 

UnitedHealthCare Copay Select

 

Aetna PPO

 

Medical Mutual SuperMedOne Standard

 

Humana Portrait

 

Catastrophic Plans

 

UnitedHealthCare Saver 80

 

UnitedHealthCare HSA Saver

 

Celtic CelticSaver

 

Combination Plans (Catastrophic with some office visit or RX coverage)

 

Anthem Blue Access Value

 

Anthem Blue Access Saver

 

UnitedHealthCare Copay Saver

 

Aetna PPO Value

 

Medical Mutual SuperMedOne Value

 

Selecting the Best Plan

 



 

Which type of plan is best for you? That depends on the type of coverage you feel best fits your needs, and stays within your budget. Sometimes, a comprehensive plan with a higher major medical deductible is the best answer. For others, a catastrophic plan or a Health Savings Account may be the best choice.

 

As an Ohio Health Insurance Broker for 28 years, my job is to research all of the major Ohio health insurance companies and give you an unbiased reccomendation. I base my reccomendation on the coverages, rate stability and claims-paying ability of each company.

 

I hope you find time to visit http://www.ohioquotes.com



By: Ed Harris

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