Steubenville, Ohio (PressExposure) July 01, 2011 -- Obtaining health insurance for your family may be more affordable than you think. Prices are set by the state of Ohio and several companies offer policies that can be tailored to your budget. Whether you need short term gap coverage or a comprehensive policy it is worth pursuing.
It is very difficult to make sense of the different types of policies that are offered and many people have found it helpful to work with an independent insurance agency to obtain coverage. The agent will be working for you and will use his contacts to negotiate the best deal with the Ohio health insurance companies. Anthem, Aetna, Medical Mutual, UnitedChoiceOne and Humana all do business in the buckeye state.
Anthem offers several policies that are considered to be among the best in the state. The Smart Sense plan is a managed care policy which offers the best coverage to subscribers who go to physicians and hospitals that are within the network. $35 dollar co-pays are charged for doctors visits and some preventive care services are covered like pap smears and mammograms. Prescription coverage is also offered with the plan. Dental and term life insurance can also be added at an extra cost. Smart Sense provides one of the most comprehensive health plans available.
Medical Mutual of Ohio offers a similarly priced plan with a few variations. The SuperMed One value plan is also a managed care policy which requires the use of in network providers to achieve the best savings. It covers 70 percent of the cost of all medical care in network with maximum out of pocket expenses in a single year capped at $3500 per individual. The Medical Mutual value plan does include prescription coverage but only if you use generic drugs.
There are a number of other variations on these plans plus many others that may work better for you. Many people are choosing to set up Ohio health savings accounts instead of going with traditional coverage. Ask your independent agent what is in your best interest.