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Thanks to rising medical costs, health insurance rates are at an all-time high. But there are places where you can get cheap health insurance in Ohio. Health Insurance in Ohio The first thing you need to look at when considering health insurance in Ohio are the types of insurance that are available. There are four basic plans: 1. Health Maintenance Organizations (HMOs) - These plans set you up with a network of doctors and hospitals who provide your health care. You must choose a primary health care physician who oversees your care and refers you to specialists, and you are only allowed to see physicians within your network. HMOs are the cheapest of all the health care plans. They have low co-payments, usually $5 to $10 per doctor visit, and involve the least amount of paperwork. 2. Preferred Provider Organizations (PPOs) - Similar to HMOs, these plans set you up with a network of health care providers, but unlike HMOs you may see specialists within the network without getting permission from your primary care physician. If you see a non-network physician you may have to pay the bill yourself and submit it for reimbursement. PPOs cost slightly more than HMOs, and co-payments average $5 to $10 per doctor visit. 3. Point of Service Plans (POSs) - These plans also set you up with a network of health care providers, but, for an additional fee, you may see a physician who is not part of the network. POSs generally cost more than PPOs but are more flexible. Co-payments average $5 to $10 per visit. 4. Indemnity Plans - These plans let you choose your own doctor and hospital, and you can visit any specialist you choose. You pay a deductible, usually $500 to $1,000, before your insurance company will begin paying claims. After you pay your deductible, your company will pay most of your medical bill, usually 80%, and you pay the remaining 20%. Indemnity Plans are the most expensive health care plans and involve the most amount of paperwork. Cheap Health Insurance in Ohio In order to get the best rate on your health insurance policy you need to compare rates from different companies. The fastest way to do this is to visit an insurance comparison website where you'll not only get multiple rate quotes, you'll also be able to get advice from insurance experts who can help you find the best policy for your needs. It's quick, it's easy, and it's free. Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Ohio health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on health insurance in Ohio.
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