by masteris009 » Fri Oct 17, 2008 09:59 pm
Health insurance in Ohio can be difficult to find affordable health insurance quotes. You will want to apply with an insurance company or consult with a Ohio health insurance agent or broker in order to find out the specific health insurance guidelines for the state of OH. This is very important to do as soon as possible because health insurance carriers in the state of Ohio may have the right to decline you or your family for health insurance in OH.
Posted: Fri Mar 02, 2012 09:26 am Post Subject: iwzjQqiQuJJAEoydnG
You need a ttrsued adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant.On the other hand because you are young, presumably healthy and probably don't often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). If that is too scary consider a plan with a higher in-hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations).Some are going to suggest you go to their web site so that they earn a few pennies on a click through . Some may suggest going on line to get a quote but as you already know there is much more to health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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