Ohio Health insurance does not have to be a budget buster.
Even with soaring medical costs, several companies in Ohio have found ways to hold down the price of insurance while still protecting you and your family from the bills that go with a catastrophic illness.
There are a number of options available for coverage and by shopping around you can find a plan that will match your needs.
The newest plan that is giving subscribers some control over their health care is Anthems Lumenos HSA.
HSA stands for Health Savings Account and the Anthem plan merges these accounts and their tax savings with a traditional policy that carries higher deductibles.
Under the Lumenos HSA, you will have to pay some of the cost of your care but because you also have an HSA the money will come out of that account.
There is tax savings associated with the HSA plus the money in the account will accrue interest and it can be carried over from year to year.
The deductibles on the Lumenos HSA will range from a low of $1500 for an individual all the way up to a high of $11,000 for families.
The higher the deductible, the lower your insurance premium is going to be.
Affordable health insurance can also be obtained through other plans offered by Anthem.
The Value plan basically covers hospital stays as well as a couple of doctor visits each year.
It allows for some coverage for medical tests like x-rays but the level is relatively low.
A third option from Anthem in Ohio is CoreShare.
This policy will cover a wide array of medical services but requires coinsurance payments of up to 50% until you meet the maximum out of pocket expenses for the year.
Medical Mutual of Ohio also offers a variety of affordable health plans.
SuperMed coverage offered by Medical Mutual comes with a wide variety of options aimed at keeping the cost of the premium down.
High deductibles are one way that they keep premiums in check and they also offer blended policies which can be combined with an HSA.
If you are only looking for coverage for a few months, Medical Mutual can assist you as well.
Short term policies can be cheaper than the government COBRA plan for workers who lose their jobs.