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