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In the state of Ohio affordable health insurance plans are offered for both individual coverage and families. Most people get their healthcare coverage through work but for people who don't have that option, coverage is still affordable thanks to companies like Medical Mutual of Ohio's health insurance plans. Just like your employer, Medical Mutual can offer individuals managed care plans that will make you part of a network of providers keeping your costs down as long as you stay within the network. Managed care plans are better known as HMO's (health maintenance organization) or PPO's (preferred provider organization). Premiums are kept down by negotiating prices with the providers in the network and by having subscribers make co-payments when they visit the doctor. There are a wide variety of Ohio health insurance plans offered by Medical Mutual. The SuperMed One Copay Plan carries a $25 copay for office visits and $50 copay for visits to an urgent care facility. It also carries a deductible of between $500 to $2500 for in network medical services and caps coverage at 80% of the cost of services like surgical services or diagnostic services. The SuperMedOne Value Plan is similar to the copay plan but only pays 70% of the cost of most services but offers a cheaper monthly premium. Medical Mutual has been doing business in Ohio for 75 years which you can trust to handle your health insurance needs. It also offers health savings plans and short term Ohio health insurance policies that can save you even more money. The health savings plan works well for people who are in good general health and do not anticipate having to see a doctor on a regular basis. A short term policy is excellent for someone who only needs coverage for a period of six months or less, a stop gap between jobs or other major life events. Office visits are covered with small copays and you are covered for any major health emergency that might come up.
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