| Thanks to rising medical costs, health | | | | visit. |
| insurance rates are at an all-time high. But | | | | |
| there are places where you can get cheap | | | | 3. Point of Service Plans (POSs) - These |
| health insurance in Ohio. | | | | plans also set you up with a network of |
| | | | health care providers, but, for an additional |
| Health Insurance in Ohio | | | | fee, you may see a physician who is not part |
| | | | of the network. |
| The first thing you need to look at when | | | | |
| considering health insurance in Ohio are the | | | | POSs generally cost more than PPOs but are |
| types of insurance that are available. There | | | | more flexible. Co-payments average $5 to $10 |
| are four basic plans: | | | | per visit. |
| | | | |
| 1. Health Maintenance Organizations (HMOs) - | | | | 4. Indemnity Plans - These plans let you |
| These plans set you up with a network of | | | | choose your own doctor and hospital, and you |
| doctors and hospitals who provide your health | | | | can visit any specialist you choose. You pay |
| care. You must choose a primary health care | | | | a deductible, usually $500 to $1,000, before |
| physician who oversees your care and refers | | | | your insurance company will begin paying |
| you to specialists, and you are only allowed | | | | claims. After you pay your deductible, your |
| to see physicians within your network. | | | | company will pay most of your medical bill, |
| | | | usually 80%, and you pay the remaining 20%. |
| HMOs are the cheapest of all the health care | | | | |
| plans. They have low co-payments, usually $5 | | | | Indemnity Plans are the most expensive health |
| to $10 per doctor visit, and involve the | | | | care plans and involve the most amount of |
| least amount of paperwork. | | | | paperwork. |
| | | | |
| 2. Preferred Provider Organizations (PPOs) - | | | | Cheap Health Insurance in Ohio |
| Similar to HMOs, these plans set you up with | | | | |
| a network of health care providers, but | | | | In order to get the best rate on your health |
| unlike HMOs you may see specialists within | | | | insurance policy you need to compare rates |
| the network without getting permission from | | | | from different companies. The fastest way to |
| your primary care physician. If you see a | | | | do this is to visit an insurance comparison |
| non-network physician you may have to pay the | | | | website where you'll not only get multiple |
| bill yourself and submit it for | | | | rate quotes, you'll also be able to get |
| reimbursement. | | | | advice from insurance experts who can help |
| | | | you find the best policy for your needs. It's |
| PPOs cost slightly more than HMOs, and | | | | quick, it's easy, and it's free. |
| co-payments average $5 to $10 per doctor | | | | |