More about affordable health insurance
One of the best places to look for affordable health insurance is online. If you use a reliable search engine, you will get a complete list of the different companies that offer affordable health insurance in Ohio. Some plans to try include Anthem Blue Cross, UnitedHealth One, Medical Mutual, Aetna, and Humana.
UnitedHealthOne Copay Saver offers two doctor visits per person per year, although there is a $35 copay per visit. Generic prescription drugs are covered, with a $15 copay. Preventive visits are also included in this package and are subject to a $35 copay fee. Tests such as mammograms, Pap tests, and PSAs are subject to the deductible. The reason this plan is considered one of the most affordable health insurance in Ohio is because of the wide range of deductibles.
Anthem Blue Access Value offers affordable health insurance in Ohio. Covers two doctor visits per year, but with a $30 copay. Generic and brand name drugs on the formulary are covered, with no copay involved. Unfortunately, medications that are not on the formulary are not covered. This is common practice with most low-cost plans. It also covers many of the preventive services, but they are subject to the higher medical deductible. Although this plan offers a maximum lifetime benefit of $5 million and is cheaper than many of the other insurances available, it lacks many of the benefits that other plans have.
To make affordable health insurance pay off, look at the benefits included. Anthem SmartSense Generic Rx offers three doctor visits with a $35 copay. Visits after that are subject to a deductible. Generic drugs and a limited number of brand name drugs are covered with a $15 copay. Also included in this policy is a limited amount of preventive coverage for children. There is also a lifetime maximum amount of $7 million.
Considered the best affordable health insurance in Ohio, Aetna Preventive and Hospital Care 3000 offers low premiums and great benefits. For example, you receive comprehensive preventive coverage, annual gynecological exams, pap smears, mammograms and doctor visits are covered, without having to meet the $3000 deductible; and the maximum annual lifetime amount is $1 million.
Of all the affordable health insurance plans, UnitedHealth One Copay Select is the most comprehensive of all the insurance plans above, covering unlimited doctor visits with a $35 copay. Most preventive benefits are included, but have a 90-day waiting period. Generic and non-generic medications are included, plus a dental/vision discount program is covered. However, to keep your premiums low, try choosing a $3,500 deductible.
The above are just a few examples of affordable health insurance in Ohio. The best thing to do is shop around, compare quotes on different websites. There is a policy for everyone.
