Ohio Family Health Insurance Plans

Ohio health insurance companies like HumanaOne, Medical Mutual and Anthem offer a wide range of comprehensive plans for individual and families. They have effected changes in their in their health insurance plans to accommodate the requirements of the recent health reforms.

Ohio Family Health Insurance Plans

Ohio family health insurance includes managed care and indemnity plans. Managed care health insurance plans available to Ohio residents include HMOs (Health Maintenance Organization), PPOs (Preferred Provider Organization), and POS (Point of Service).

• The comprehensive HMOs offer a wide network of doctors, hospitals, and other health care providers. The primary care doctor refers the patient to a specialist if necessary. These plans involve a flat monthly fee and usually no deductibles
• PPOs are another affordable option as they offer coverage with any doctor or specialist.
• POS plans have features of both HMOs and PPOs. As with an HMO, a primary care physician refers you to specialists when necessary. They offer the option to see physicians outside of the network, but the insurance company pays less for out-of-network services.

An affordable option is a HSA (Health Savings Account) which mean a high-deductible plan as well as a Health Savings Account. Catastrophic coverage, low monthly premiums and a tax-free savings account to save money for routine medical expenses are the advantages of having a HSA

Indemnity plans provide a greater choice of health care providers. The individual has to pay up front and the health insurance company will pays its share after it receives the bill.

Health Reform and Ohio Health Plans

Following the recent health reforms, some of the important requirements that Ohio health insurance plans meet include:

• Health coverage for children on their parent’s plan till the age of 26.
• Free coverage for preventive care including mammograms, colonoscopies and childhood immunizations
• Elimination of lifetime dollar caps on medical care.
• Coverage for children below the age of 19 for pre-existing conditions for children, even if they did not have health insurance coverage for these medical problems.

Buying Ohio Family Health Insurance

When you buy Ohio health insurance, first consider your budget. The look at the annual premiums on the various family health plans. Think about the coverage you need for your family. To understand all about this and get free quotes and expert advice on choosing the right plan, visit the websites of reliable Ohio insurance agents.