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More than 15% of Ohioans do not have health insurance. If you're in this group you risk losing everything you own by being hit with a large medical bill. Here's how to get an affordable Ohio health insurance plan with a top insurance company. Types of Health Insurance Plans There are two categories of health insurance - indemnity plans (also known as fee-for-service plans), and managed health care plans (HMOs, PPOs, and POSs). Indemnity Plans These plans let you choose your own physicians, specialists, and hospitals. These are the most expensive health care plans. They have higher out-of-pocket costs, higher premiums, and involve more paperwork than other plans. Deductibles range from $500 to $1,500. You pay 20% of your medical expenses and your insurance company pays 80%. HMOs (Health Maintenance Organizations) These plans assign you a network of physicians and hospitals that you must use for your health care. These are the least expensive plans. They have minimal co-payments (usually $5 to $10 per visit), minimal paperwork, and some plans provide coverage for preventive-care. POSs (Point of Service Plans) These plans also assign you to a health care network, but you may see a physician outside the network for an additional fee. These plans cost a little more than HMO plans. They have minimal co-payments (usually $5 to $10 per visit), minimal paperwork, and usually provide more preventive-care coverage than HMOs. PPOs (Preferred Provider Organizations) Like HMOs and PPOs, these plans assign you to a health care network, but unlike HMOs and PPOs you can see non-network physicians. These are the most expensive managed health care plans. Most plans have a deductible (usually $500 to $2,000) and have higher premiums than HMOs or PPOs. Cheap Ohio Health Insurance Getting the best rate on Ohio health insurance is a matter of comparison shopping. There are now insurance comparison sites that provide you with quotes from multiple companies so you can compare those quotes and choose the cheapest one. The best comparison sites only work with A-rated companies so you know the company you choose will be reliable and will give you good service (see link below). Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Ohio health insurance plan quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on affordable Ohio health insurance plan quotes.
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