Ohio Health Insurance

Ohio health insurance is a type of coverage that is made available to individuals and families, rather than to employer groups or organizations. While most people obtain health insurance through an employer, either directly or as family members of an employed person, there are many who are not under a group plan. In that case, it is important to seek coverage. You may be pleasantly surprised with the variety and affordability of the Ohio family health insurance options available. With an experienced, licensed health insurance broker at One Source Benefits we can help you understand your options and find affordable coverage that is best suited for your unique needs.

What kinds of individual and family insurance policies are available?

Family and Individual health insurance policies are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid.

• Indemnity policies offer a broader selection of healthcare providers than managed care plans. Indemnity policies pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company).
• Managed-care health insurance plans include HMO, PPO, and POS plans. They work through healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan members at pre-negotiated rates and will usually submit the claim to the insurance company for them.

In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity policy.

How does a PPO plan work?

With a PPO (Preferred Provider Organization) plan, you'll be encouraged to use the insurance company's network of preferred doctors and hospitals. These healthcare providers are contracted to provide services to the health insurance plan's members at a discounted rate. You typically won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.

You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills. With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.

We would like to caution you against applying for a "mini-med" insurance plan. Though less expensive than a comprehensive major medical plan, these plans will not provide any of the benefits that you would expect from a regular health insurance plan. So when you buy a plan, make sure to ask your agent for the plan benefits and what they include and do not include. One Source Benefits is your complete guide to affordable Ohio health insurance plans. We use our knowledge of insurance to help you decide what type of coverage is best to protect you and your family. To discuss your options with our personal individual consultant, click the live chat link on this page. Call us toll free at 1- 877-549-1212 or write to tmcmanamon@onesourcebenefits.com.