One Source Benefits can help you find Ohio family health insurance to protect yourself and your family. If you do not have employer sponsored health coverage, we can help you find an affordable plan that offers comprehensive benefits, taking into consideration the needs of each family member.
Many things have changed with health care reform. We can provide you with all the guidance you need to get free quotes for Ohio family health insurance policies, compare them, and balance the cost of coverage with the health care that your loved ones need.
There are Many Options for Family Health Insurance in Ohio
Leading health insurance carriers such as Humana, Anthem Blue Cross Blue Shield and Medical Mutual of Ohio offer different types of Ohio health insurance plans with varying benefits and coverage levels. You can easily add on your spouse or other eligible dependants to your health plan.
Ohio family health insurance policies available include indemnity (fee-for-service) health insurance plans and managed care plans that include health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, point-of-service (POS) plans, and health savings account (HSA) plans.
A managed care plan is an excellent option because all that is necessary in most cases is a co-pay. You out-of-pocket expenses would be limited, though you would have to pay more to use specialist services and non-generic drugs.
Ohio health savings accounts (HSA’s) are a great choice when it comes to affordable family health insurance. A HSA works in combination with a high deductible health plan and is exempt from taxes. Minor out-of-pocket health expenses, doctor visits, and hospitalizations are covered at a much lower premium than those of other types of family health insurance plans.
Things you should know about Ohio Family Health Insurance
Under the Affordable Care Act, most family plans will provide preventive benefits with no waiting period or deductible. Some of these benefits include mammograms, colonoscopies, immunizations, cancer screenings, well-baby and well-child visits until age 21, routine adult physicals, flu and pneumonia shots, and various routine vaccines.
In Ohio, children can stay on a parent’s health plan till age 26. The Affordable Care Act also prevents insurers from refusing coverage to children with pre-existing conditions. By 2014, no adult with pre-existing conditions can be denied coverage. Till then, qualified adults with pre-existing conditions can obtain coverage under guarantee issue policies offered by Ohio insurers.
Call Us Today
One Source Benefits is your one stop shop for affordable Ohio family health insurance. Call us toll free at 1-877-549-1212 or write to [email protected]. All your personal information will be kept absolutely safe.