Ohio Health Insurance
Welcome to those looking for individual, family or group health insurance quotes. We are an independent agency serving all of Ohio including Akron, Canton, Cleveland, Cincinnati, Columbus, Dayton, Lima, Mansfield, Toledo, and Zanesville. With our assistance, enrolling in an affordable health insurance plan is quick and easy.
Compare Multiple Plans
We have provided, at no additional cost, direct links for individuals and families to obtain a quote from our most popular carriers. Contact us and we will be happy to help you compare and contrast the various plans. We will also e-mail you descriptive brochures outlining the available plan benefits and coverage.
Provider Quotes
Individuals and families can quote or purchase coverage online by clicking on the company logos below.
Carriers Offering Coverage
There are several reasons you might be without health insurance coverage. Maybe you are self-employed, changing jobs, a college student, starting a small business or losing COBRA benefits. We work with the leading providers including Aetna, Anthem, American Community, Assurant, Golden Rule, United Health Care, Medical Mutual of Ohio and others.
Depending on your needs, health insurance carriers offer long term major medical coverage, short term temporary coverage, policies designed for college students and plans for small business owners and their employees. Most companies offer plans with several different deductibles and co-pay options from which to choose. Typically, consumers choose their own deductible with amounts ranging from $250 - $10,000. Insurance carriers also offer coinsurance options ranging from 20% - 100%. (In most plans, the consumer is responsible for the coinsurance amount up to $10,000.)
Health insurance providers offer a wide range of plans including many that offer maternity coverage. There are comprehensive policies with small deductibles and co-pay amounts. These more expensive policies can offer up to $8 million in lifetime benefits for those wanting maximum coverage. Conversely, polices with larger deductibles, higher co-pay amounts and $2 million in lifetime benefits are available to those wanting to stay within a desired budget.
Health Savings Accounts and Networks
Certain health insurance companies might only have one, very large “network” of medical practitioners to choose from, while other carriers have agreements with several networks. When applying for coverage, you can research and then select the network that includes your current physicians. If you have recently moved, an agent can recommend an extensive network for you and your family. (If you have not satisfied your deductible, the insurance company will negotiate a discount with “in network” providers resulting in savings to the insured for services rendered.)
Additionally, Congress recently passed legislation approving tax-favored savings accounts that can be attached to high deductible health insurance policies. These plans are referred to as Health Savings Accounts or HSA’s. HSA’s are gaining in popularity due to their tax advantages and flexibility in covering deductibles and other health related expenses. The money you deposit in your HSA grows tax-deferred and can be withdrawn tax-free for qualified medical expenses such as prescriptions, vision, or dental care. The money you do not use remains in the account year after year for future medical expenses. (Click here to learn more about HSA plans.)
Where We Offer Health Insurance
We serve all major cities including Akron, Canton, Cleveland, Cincinnati, Columbus, Dayton and Toledo. Please feel free to contact us today for an individual, family or group health insurance quote.
