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LowerOhioRates.com will help you find affordable health and medical insurance. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Ohio health insurance companies.

Health insurance is designed to protect you and your family from large out-of-pocket medical expenses that can accumulate during an illness or hospital visit. Health insurance can be expensive. Many employers provide some basic medical insurance under a group policy availabe to company employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans. The major differences between the two categories are evident in how you choose your provider, how out of pocket costs are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the most affordable coverage you can get. If you have this option, get it. If you are eligible for your employer’s Consolidated Omnibus Budget Reconciliation Act (COBRA) plan, this is generally the second best option particularly if you have a pre-existing condition. If eligible, you generally have 60 days from loss of coverage to elect COBRA so you will need to act quickly. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. To seek coverage under HIPAA, you need to apply for either the basic or standard Ohio health plan within 63 days of losing your previous coverage. If you are not Federally Eligible than you can still get coverage, but insurers may impose a ninety day waiting period and twelve month exclusion for pre-existing conditions.

Under Ohio Medicaid, there are two programs for children, families and pregnant women with limited income to get basic health care coverage. The Healthy Family program is for low income families with income levels up to 90% of the federal poverty level. The Healthy Start program is for children under 19 and pregnent women with income levels up to 200% of the federal poverty level. Under both programs you must meet citizinship requirements, be an Ohio resident, meet income requirements and some other eligibilty requirements. Check with an agent or broker to see if you qualify.

Our customers come from Jacksonville, Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, OH and other great cities in the buckeye state to find low cost health insurance from top rated insurance companies. Ohio health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes. We make that process simple.