Reduce the deductible on your Ohio health insurance plan.  UnitedHealthcare and Assurant now offer reductions to your major medical deductible if you meet certain conditions. It’s very possible if you and other family members remain healthy, your potential Ohio medical insurance out of pocket expenses will come down. Here’s a quick look at each company’s program:

UnitedHealthCare’s “deductible credit” provides a 20% reduction to the deductible on your policy every year you don’t meet that deductible. This discount will be applied every year until you reach 50%, which is the maximum. The savings can be substantial, especially if you have a high deductible, such as $10,000.

So, hypothetically, if you rarely (if ever) met your deductible, you could effectively  lower your premiums by selecting a higher deductible, wait a few years and eventually it becomes that lower deductible you wanted! But you saved a few thousand dollars every year (assuming a family plan). This isn’t a bad concept! Maybe UnitedHealthCare’s Ohio health insurance plan is even better than we thought!

The most competitive plans offered by UHC are their “Saver 80,” “Copay Select” and HSA policies, so these plans may be best suited to consider the deductible credit during the purchase process.

Assurant offers a “One Decreasing Deductible” feature that uses “credits” twice per year in the amount of 10% of your current deductible. These “credits” accumulate are posted the first day of January and July once your personal policy has been in effect for 60 days. If you have met your deductible within the last 12 months, the credit still is applied.

It’s possible that your plan deductibles could decrease to $1,500 for an individual and $3,000 for a family. Total reduction could be as much as 50%-70%. Not too shabby! However, this benefit is only available on Assurant policies with 100% coinsurance. And in most areas of Ohio, Assurant’s rates tend to be rather high, although they seem to be reducing.

What about Anthem Blue Cross, Aetna and Medical Mutual? Not quite yet although Anthem does offer this benefit in Indiana. We expect more companies to offer a variation of this coverage within the next 12-24 months. And, most importantly, often, you are still better off with a policy from a company that does not have the vanishing deductible option. The rates and coverage may be superior to the companies that have it. Regardless, we’ll always give you an unbiased opinion, the lowest available Ohio health insurance rates and three easy ways to apply for coverage.

Abortion coverage will not be provided by the Ohio Health Insurance Exchange. John Kasich, Ohio’s Governor, signed a bill that prohibits the purchase of any policy in the Exchange that covers abortion. Naturally, opponents and supporters of the bill voiced their opinion on the legislation.

The group “Ohio Right To Life” generally supports the bill, agreeing that consumers have a right to health care, but not at the expense of a “death to an innocent child.” The American Civil Liberties Union (ACLU) is not happy with the bill and has threatened to sue the state of Ohio. Other smaller groups and organizations have also expressed strong opinions on this very contentious subject.

One of the key issues is whether citizens of the state should be forced to pay for abortions if “Obamacare” is fully implemented. Individual states are allowed to exclude abortion from covered benefits if it is stipulated by law. This recently signed bill actually originated in 2010 and had both Democratic and Republican support in June of this year. It would not be surprising to see other states pass similar bills.

Of course, the “Exchange” may never become a reality anyhow since it is part of the controversial Patient Protection And Affordable Care Act (also known as “Obamacare”). Currently, Buckeye residents can purchase a wide variety of policies at affordable rates through Ohioquotes.com or other websites, insurers or brokers. The purchase process is relative simply and usually, experienced unbiased assistance is available.

However, if the Ohio Health Insurance Exchange does ever go into effect (probably 2014 or perhaps earlier), consumers may not have the choices they have now, and may not enjoy the free advice of experienced licensed professionals. As a government-run entity, many questions still remain on how high medical rates will become and how quickly they’ll increase. Although federal subsidies will offset some of these costs (not all of them), it remains unclear who will ultimately pay for them.

Regardless of the future of the Protection And Affordable Care Act, Ohioquotes.com will continue to be the most respected reference for Ohio consumers. Ohioans like (and demand) to work with a local experienced firm that provides the lowest cost options and is available to explain in detail individual and family options. So…whether the Exchange gets off the ground or not, your best bet may be working directly with us, so we can guide you through the process. And as most of you know, we will continue to offer the lowest rates that are offered for private medical insurance here in Ohio.

Can I trust purchasing Ohio medical insurance online? Yes. When you buy Ohio health insurance through our website, any information you provide is kept private and the rates you are quoted are the best rates you can find from any broker, internet site or directly through an insurer.

Most applications are submitted online through a link you are provided on our website. You create your own log-in name and password that only you know. Any information you provide is electronically forwarded to the carrier. We do not view any of the details unless you allow it. Of course, we’ll help you throughout the entire process of applying for your health insurance plan.

You can also trust the other methods of purchasing coverage. Many customers here in Ohio prefer to fax or email the actual applications. We provide a secure email and fax system that ensures that only ONE person will receive your paperwork before the insurer receives the paperwork. Depending on the company, it’s possible you may not have to provide any type of billing information when you apply. Of course, we’re always happy to explain each company’s guidelines.

The plans you see on our website are the best policies offered by each Ohio health insurance company. There are more than 500 available plan combinations so we carefully choose the best 40-80 policies that provide the most benefits for the lowest price. We realize that’s still too many to consider, so upon request, we’ll look at your specific requirements, and pick out the best 4-8 policies. Just call or email us.

We understand that every individual or family has different needs. For some, low office visit copays and mid-range deductibles may be important. For others, high deductibles and cheap premiums may be what they are looking for. If you tell us what type of coverage you want, we’ll save you a lot of time and money by finding it for you.

Sometimes, Anthem Blue Cross is the best available choice. But many times Medical Mutual, UnitedHealthOne, or perhaps even a smaller company such as Celtic makes more sense. We’re here to advise you and make the decision-making process easy. We’re considered an extremely trustworthy resource for Ohio consumers that buy health insurance online. The combination of live assistance and modern technology is a potent combination!

So yes….it is indeed very safe to apply for medical coverage online in Ohio. We’ll help you qualify for the lowest possible rates and make sure you’re comparing the best health care policies.

Obamacare health insurance took a hit this week when the Ohio Supreme Court ruled that an amendment blocking the controversial health care overhaul can and will be on the ballot in November. Ohioans can now vote to exclude themselves from a federal law that would require the purchase of medical coverage plans.

ProgressOhio had claimed that many signatures on the original petition should not have counted. But the Ohio Court disagreed, after considering the allegations and reviewing more than 400,000 signatures.

Currently Ohio health insurance rates are among the lowest in the US. Inexpensive individual and family plans are available at rates that are generally 20%-50% less than many other states. Ohioquotes.com provides free comparison shopping to consumers, who can freely select the company and type of coverage they want. It’s likely that freedom will be ending if national health care reform, in its present format, is fully enacted in 2014.

Jo Jingles of Reuters wrote an excellent article providing additional information. Here it is.

http://www.ohioquotes.com

Your Health Insurance Quotes Are Free! I’m probably asked a few times per week how much we charge, what are our fees, and are the Ohio health insurance quotes free? I assure you that we never charge any fees or charge you for any advice or information you get from this website.

Ohioquotes.com is the recognized trusted authority for Ohio health insurance rates, information, applying for coverage and Exchange information. With 30 years of experience, you won’t find a more unbiased resource for individual and family medical plans. Whether it’s Anthem Blue Cross, Humana, UnitedHealthOne, Medical Mutual or any other carrier, the rates you receive are the lowest each company offers.

And not only are the quotes free, but when you apply for coverage through our website, we’ll help guide you through the application, keep you updated on the progress, and review the policy to make sure the rate and coverage is acceptable to you. Whether you keep your policy 10 days or 10 years, we will always be available to help you with any coverage, billing or claim issues.

When the Ohio Health Insurance Exchange goes into effect in 2014, consumers will have the option of purchasing coverage through this “Exchange,” a myriad of plans, rates and tax credit jargon that will likely be very confusing. Assuming Obamacare is not repealed or stricken down by the Supreme Court, we will continue to provide guidance and assistance when applying for health insurance coverage. We will also provide advice and support regarding any tax credit issues.

And if you want to call us…the phone call is also free! If after viewing your quotes you need our help, just call us at (888) 513 6446. If you get the dreaded voicemail, we’ll try to return the call as quickly as possible. If you would like to be contacted by email, we’re available until midnight most nights!