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