Ohio Individual Health Insurance - What Do You Need?

If you are caught between jobs or work for yourself, affordable health insurance is still available across Ohio. Top insurers offer a wide variety of coverage plans that will fit your needs and your budget. Two of the top providers in the buckeye state are Anthem Blue Cross and Blue Shield and Medical Mutual of Ohio.

Medical Mutual offers plans to cover people from 6 weeks of age to 64. A popular group health plan is SuperMed One which covers routine medical needs as well as catastrophic illness. Medical Mutual has put together a network of physicians and hospitals in Ohio which you must use to achieve the greatest savings. Premiums for SuperMed One will depend upon the amount of the deductible you choose and coinsurance rates.

The different SuperMed One plans are each tailored to the stage that you are at in your life. There is one for students, another for early retirees and a plan tailored just to meet the needs of those between jobs who are caught without coverage. Medical Mutual has an alternative plan to COBRA which may be able to save you some money.

Another alternative to high premium insurance is offered by Anthem. The Lumenos HSA is a two part plan aimed at controlling your cost. It carries higher deductibles while setting up a Health Savings Account to pay for medical expenses that are not covered by the insurance plan. There are tax savings associated with the HSA that make it very attractive plus any unused money in the account will gain interest and can be carried over from year to year. Anthem says the biggest advantage of their newest plan is that it puts you in charge of your health care decisions and dollars.

If you are looking for a more conventional plan, Anthem offers those as well. The plan that most mirrors the one offered by major employers is Anthem Premier. It features a large provider network across Ohio to obtain the best price for services. This coverage plan includes a wide variety of preventive medical services which are not subject to your deductible. All you pay for routine physical exams, health screenings and well-child visits is an affordable copay.

Tracy McManamon is the owner of one of the most helpful sites for Ohio health insurance.

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