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An average stay in an Ohio hospital can cost up to $20,000 or more. Getting health care coverage helps you enhance your health as well as meet unexpected and costly medical expenses. Once you’ve decided to enroll in an Ohio health insurance plan, the next step is how to make a wise decision and buy the right plan. Many new factors have to be taken into account as the health insurance scene has changed a lot lately. Being aware can help you save on health care. This article offers some basic pointers to help you choose an Ohio individual health insurance plan that fits your budget and meets your needs. Enrolling in an Ohio Individual Health Insurance Plan – Points to Consider • Look out for increases in cost: Understand exactly how much you are paying towards insurance premiums, deductibles or copayments. As premiums have risen, make sure the plan you choose is one you can afford. Tracking your costs can help you control them. • Understand your options: Health reform has changed many things and individual health insurance Ohio plans now have new requirements and new restrictions. For instance, your policy cannot be cancelled when you get sick, your children under age 19 cannot be excluded from a policy because they have a pre-existing health condition, preventive care is free, and there are no lifetime limits on your benefits. These are just a few of the changes that health reform has brought about. So understand and review your options before you buy a plan.
• Opt for coverage that you need: If you are planning on having children, see if your Ohio health insurance plan offers maternity benefits. Some plans do not offer maternity coverage, but include programs to help you have a healthy pregnancy.
• Think of ways to lower your premium: You can keep your premiums low by buying a plan that offers only benefits you need. For instance a plan with comprehensive maternity benefits is not for a single male! Similarly, choosing an Ohio individual health insurance plan that pays for only generic drugs rather than brand-name drugs can lower your premium.
• Explore HSA options: An HSA combined with a High Deductible Health Plan is currently a very popular option. It helps you pay for unexpected health expenses with pre-tax dollars deposited in your health savings account. Unused contributions to this account can be rolled over from year to year until you retire. Get Professional Guidance Check out various Ohio individual health insurance plans before you make your decision. And the best way to do this is to get professional guidance from a licensed Ohio health insurance broker. Go to an agent website, request free quotes from various leading providers, and benefit from professional guidance to choose the right plan.
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