2008/11/24 Temporary Employees Rely on Ohio Individual Health Insurance Published Temporary Employees Rely on Ohio Individual Health Insurance
Laid-off workers who take temporary jobs to make ends meet, but sacrifice health insurance to save money are taking an unnecessary risk. Affordable Ohio individual health insurance policies are available from most major carriers and often at a lower cost than most people expect. Health insurance for part time and temporary workers and their families typically costs 30 to 50 % less than traditional group coverage offered by employers. How is this possible? The group health insurance market is far more expensive than Ohio individual health insurance plans because group plans tend to have a larger number of people with serious health issues. When the number and size of medical claims rise within a group plan, the insurance premiums rise for everyone in the group ı the healthy and unhealthy alike. If you and your family members are relatively healthy, you would be wise to take advantage of the affordable Ohio individual health insurance plans available.
Limit your risk of a catastrophic accident or illness crippling your family finances for years to come. The $60-300 per month you save by forgoing insurance will seem insignificant against the cost of a hospital stay or worse. Further, once you have your own Ohio individual health insurance, you decouple your health insurance from your employment and remove one job search stress.
Individuals and families can easily access hundreds of Ohio individual health insurance plans online to compare benefits and prices. Navigating through all the options available can be overwhelming, but fortunately agents are available by phone to help guide you through the maize of possibilities.
Here are two top Web sites for Ohio individual health insurance with agents available by phone to provide help and guidance:
http://www.MyHealthQuoter.com is a free shopping resource that allows visitors to shop the market and compare over 180 plans from 8 different health insurance companies.
http://www.betweenjobshealthinsurance.com is another free site that specializes in offering Ohio individual health insurance quotes from all the major carriers. This site caters to those who have been laid off, terminated, outsourced or downsized.
2008/11/24 Keep your Doctor with Ohio Individual Health Insurance Published Choose Trusted Medical Professionals with Ohio Individual Health
Choose the Best Doctors That Fits Your Health Care Needs
Are you one of the many who have had to drop a trusted doctor or other medical professional because your employer changed its group health care provider? Do you live in fear of a job change or insurance switch that will force you to give up a leading edge facility or specialist?
One way to avoid forced changes is to buy an Ohio individual health insurance plan that is tailored to your needs. Enjoy the piece of mind that comes from knowing your trusted relationships with medical professionals are not subject to corporate whims. Many plans have lists of participating providers that can you evaluate against your personal list of providers. There are other options in Ohio individual health insurance that give you greater freedom to choose providers such as the health savings account plans.
There are several ways you can shop the market to find an Ohio individual health insurance plan that is typically 30-50% cheaper than traditional group coverage. Check out these Web sites for free Ohio individual health plan quotes:
Direct Health Insurance Quotes
My Own Boss Health Insurance
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Why Shopping for ıCheaperı Ohio Individual Health Insurance Plan is Impossible
Buying Ohio individual health insurance is not like buying a car where dealers are free to strike a deal and you may pay less at one dealer than another. Prices for Ohio individual health insurance plans are regulated by the Ohio Department of Insurance which means that the price you pay is exactly the same whether you buy it directly from the insurance company, or from a broker, agent, or online services.
Regardless of who you use, the process will be essentially the same. Even free online quoting services assign a licensed broker to your account who should be available, at no charge, to answer your questions. Since the price of each plan is always the same, the real challenge is to find the plan that best fits your situation. Working with a good agent makes sense as a licensed agent can help you sort through the myriad of Ohio individual health insurance plans and pick the right plan for you.
If you have research the hundreds of possibilities, you may have been left with more questions than answers. Common questions include: Who has the best carrier network? What deductible should you choose? Is a Health Savings Account (HSA) right for you? These questions can seem daunting when you try to sift through 100+ plans by yourself on the Internet. Using a broker who specializes in Ohio individual health insurance products can help you find the best coverage for your needs; guide you through the application process and shepard your application through the carrierıs underwriting process.
Here are two reputable online services that provide comparison tools as well as telephone support by agents located in Ohio who know Ohio individual health insurance:
http://www.MyHealthQuoter.com
Direct Health Insurance Quotes
2008/11/24 Cover Your Family Dependents with Ohio Individual Health Insurance Plans Published Cover Your Family Dependents with Ohio Individual Health Insurance
Ohio Individual Health Insurance is for Individuals, Families and Dependents
You may be able to save on health care coverage by buying an Ohio individual health insurance plan for your dependents instead of coverage through your employerıs plan. Sound crazy? Health insurance for relative healthy adults and children typically costs 30 to 50 % less than traditional group coverage offered by employers.
Group health insurance is often far more expensive than Ohio individual health insurance because group plans tend to have a larger number of people with serious health issues. It is very common in employer health plans to have these two types of members who drive up costs:
older workers and their spouses with chronic illnesses such as diabetes and hypertension
workers who stay in their jobs because they fear losing their health insurance due to a serious illness such as cancer or multiple sclerosis.
If your family members are relatively healthy, you would be wise to take advantage of the affordable Ohio individual health insurance plans available that are priced based on your risk factors and not the risk factors of a larger population with chronic health issues.
To take advantage of these savings, following this plan:
Determine what you would save if your dependents were removed from your employerıs health plan.
Gather your employerıs health plan benefits including deductibles, co-payments, etc.
Go online to a Web site that specializes in cost-effective Ohio Individual health insurance plans such as http://www.myhealthquoter.com.
Use the comparison tool to identify plans that are similar to what your employer offers.
Contact an agent for a firm quote.
Submit an application either through the agent or online
Once you have been approved for an Ohio individual health plan, discontinue coverage for your dependents through your employer
Enjoy the monthly savings.
2008/11/24 How to Shop For Affordable Ohio Individual Health Insurance Published Shop Online For Affordable Ohio Individual Health Insurance
Do you find you donıt have time to shop for Ohio individual health insurance? Have you shopped online for Ohio individual health insurance and lost your mind trying to figure out the difference between 180 plans? Have you been confused by some of the industry terminology? Wondering if the health savings account is something you should consider?
Help is here. It is probably worthwhile to familiarize yourself with the Ohio individual health insurance plans available and give some thought to these questions:
How much are you willing to budget monthly for Ohio individual health insurance?
How much of a deductible are you willing to shoulder? Typically, like car insurance, the higher the deductible, the lower the monthly payment. Are you willing to shoulder $5000 of medical care? $1000?
Are you the type that visits the doctor annually even if you feel good or are you the type that waits until medical care is absolutely necessary?
With your answers in mind, you may be able to navigate through the hundreds of plans available and get a free quote online instantly at www.myhealthquoter.com. If you are wondering about the impact that the answers to the questions above might have on the cost of an Ohio individual health insurance, then call on of My Health Quoterıs professionals at 1-866-577-3620.
Remember to look for the right plan for your circumstances, and donıt let any agent tell you they can get you a better price. They canıt -- the Ohio Department of Insurance ensures that all sources provide the same price for the same plan.
2008/11/24 Ohio Individual Health Insurance May Pay You for Good Health Published Save Health Care Costs with Ohio Individual Health Insurance
Do you need to save money? Are you in good health? You may be able to put your good health to work to save you some money. You could be paying 30-50 percent more for health insurance than you need to ı particularly if you are in an employerıs group health plan.
Most people believe that employer group health care plans are better, less expensive plans than what any individual or family could buy on their own. Perhaps that was true once, but it is not necessarily true any more. An employerıs group health plan is prohibited from excluding any eligible employee or dependent from the plan due to a pre-existing condition. This is a huge advantage for those with chronic medical conditions; but it comes at a cost to the healthier members of the group. The cost of insuring each pool or group of individuals is determined by the groupıs overall health risk. The healthier the group, the lower the cost; and the more people with chronic conditions, the higher the cost.
By applying for Ohio individual health insurance, you are essentially creating your own pool or group of healthy individuals and the corresponding cost of insurance should reflect your good health. Imagine being able to save between 30-50% on your insurance.
Because so many people have never had to shop for a health insurance quote before, they are unsure of where to start. Hereıs what we suggest:
Determine what you are paying for coverage under your employerıs health plan.
Gather your employers health plan benefits including deductibles, co-payments, etc.
Go online to a Web site that specializes in cost-effective Ohio Individual health insurance plans such as http://www.myhealthquoter.com.
Use the comparison tool to identify plans that are similar to what your employer offers.
Contact an agent for a firm quote.
Submit an application either through the agent or online.
Once you have been approved for an Ohio individual health plan, discontinue coverage through your employer.
Enjoy the monthly savings.
2008/11/24 Ohio Individual Health Insurance for the Newly Self-Employed Published Ohio Individual Health Insurance Offers Portable, Flexible Health Care Options
Donıt Look for Groups to Join for Health Insurance
If you are one of the many pink-slipped employees that have decided to try your hand at consulting and think you need to find a group to join for group health insurance benefits, think again!
So many people have relied on employers for health insurance coverage that they are unaware of the market for individuals including Ohio individual health insurance plans. Further, many people are still under the misconception that only groups can access low rates. Most employees have left health care coverage decisions up to the employer and have had to accept plans that may or may not have fit their circumstances; and may or may not have included their current medical professionals
The good news is you can experience the freedom of Ohio individual health insurance:
The freedom to choose a deductible that suits your appetite for risk;
The freedom to choose from a list of providers that includes your existing medical professionals;
The freedom to choose a health savings account if it makes sense for you;
The freedom to choose the level of coverage
The freedom to get help of selecting the right plan for your circumstances
The freedom to shop online whenever you choose
Shopping online for Ohio individual health insurance is fast and easy if you know what you want. Choose from over 180 competitive plans with 8 major carriers at www.MyHealthQuoter.com. Or, if you are unsure, pick up the phone now and call one of My Health Quoterıs highly-qualified underwriters at 1-888-256-1288 and they will ask you a series of questions and narrow down your choices to the best, affordable plans for you.
When you purchase an Ohio individual health insurance plan, you get:
A 30 to 50 percent savings compared to expensive group insurance plans.
Portability ı you are no longer tied to an employerıs plan and can keep the plan even if you take on a full time job with health care benefits.
The choice of insurance plan, benefits and doctors ı no more dictated choices!
Peace of mind ı Nomore inadequate health care plans that donıt fit your needs
A free, quick quote over the phone
Assistance with the application process ı saves time and money
No mark- up ı lowest quotes available direct from insurance carriers
Ability to cover spouse and dependents
2008/11/24 Ohio Individual Health Insurance Gives Peace of Mind to Self-Employed Published Ohio Individual Health Insurance Gives Peace of Mind to Self-Employed
Self-Employed Business Owners Need Low-Cost Individual Health Insurance
Dispel the myth of Ohio individual health insurance as too expensive for self-employed business owners. Donıt fall into the trap that you canıt afford individual health insurance. Smart business owners recognize they put their personal and business assets at risk by not having proper health insurance coverage.
Donıt put health insurance on the bottom of your to-do list, especially if you are in good health. Unexpected illnesses and accidents happen everyday to someone and that someone could be you. Protect your health, your assets and your financial future by securing Ohio individual health insurance.
Have you had health insurance coverage in the past through an employer who paid a portion of the tab and are dreading having to pay the entire premium? You may be pleasantly surprised by how afford Ohio individual health insurance can be, particularly if you are in good health. Employersı group plans often cover high risk individuals ı individuals who have serious chronic conditions such as diabetes or high blood pressure. These individuals are more costly to cover so the employerıs group plan is charged a rate that matches the health risk of the group. If you are relatively healthy and do not have chronic health conditions, your risk is lower; therefore, your cost is lower.
Securing Ohio individual health insurance is an easy process if you engage the free services of an underwriter or agent that specializes in Ohio plans. Donıt spend time looking for companies that offer the lowest rates. The Ohio Department of Insurance regulates prices for individual health insurance so the price you pay is exactly the same whether you buy it directly from the insurance company, or from a broker, agent, or online services.
Find a knowledge broker or agent by beginning your search online. Youıll be able to review hundreds of available plans and use a comparison tool to evaluate them. Once you have your feet wet, give the online company agents a call and enlist their help in matching your needs and budget to the right plan for you. Choose from over 180 competitive plans with 8 major carriers at www.MyHealthQuoter.com. Or, if you are unsure, pick up the phone now and call one of My Health Quoterıs highly-qualified underwriters at 1-866-577-3620.
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2008/11/24 Cost-Effective Ohio Individual Health Insurance Replaces Expensive COBRA Coverage Published Cost-Effective Ohio Individual Health Insurance Instead of Expensive COBRA Coverage
Donıt Pay Outrageous COBRA Costs
Are you newly unemployed and wondering whether the option to buy insurance through your former employer under COBRA (Consolidated Omnibus Budget Reconciliation Act) is good deal? COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since the employer usually pays a portion of the premium for active employees while COBRA participants generally pay the entire premium.
Donıt feel pressured to pay expensive COBRA health coverage. COBRA health coverage may lock you into your employerıs expensive group plan. Consider an Ohio individual health insurance plan instead before you commit. You may be pleasantly surprised at the cost savings. Most people think that group plans provide some of the lowest cost options available. This may be true if an employer picks up a sizeable portion of the cost; but with COBRA, you will pay the entire cost that is indexed on a health risk pool. The risk factor that you pay for under your older employerıs plan may be far more expensive than you could get if you and your dependents are relatively healthy.
It doesnıt cost anything beyond your time to evaluate the Ohio individual health insurance plans available today. In fact there are so many carriers and plans to choose from you may want to enlist the help of a free-of-charge underwriter or agent. Premium rates and underwriting practices vary considerably from one insurer to another and the coverage provided is rarely identical. An underwriter or agent can quickly help you narrow your choices based on your specific needs. They can explain the application process and uncover any issues you may have that would cause you to be declined. Insurance companies may decline coverage if your health and medical history, age, or personal habits put you in a high risk category. Fortunately, there are carriers that will allow you to apply for coverage free of charge so you can evaluate Ohio individual health insurance risk-free and without obligation.
To help get you started, here are two knowledgeable online services that provide comparison tools as well as telephone support by agents located in Ohio who know Ohio individual health insurance:
http://www.MyHealthQuoter.com
Direct Health Insurance Quotes
New Article.
How to Navigate an Ohio Individual Health Insurance Plan Purchase
If you suddenly find yourself without health insurance and are unsure of the possibility or process of buying your own Ohio individual health insurance plan, hereıs a brief, helpful guide.
Commit to finding health insurance coverage to protect your assets and financial future.
Determine the monthly amount you can budget for health insurance.
Gather the list of current health care providers that you would like to continue using. You may want to target plans that include your providers or allow you to choice your provider.
Think about what type of deductible you would feel comfortable carrying. Since higher deductibles shift a higher percentage of any future claims to you, the monthly payment is usually lower.
Go online to a Web site that specializes in cost-effective Ohio Individual health insurance plans such as http://www.myhealthquoter.com.
Review these common health insurance terms:
A premium is the monthly cost of keeping your insurance policy in effect. Health insurance premiums are determined by a variety of factors, including your medical history, your lifestyle, and your current health status.
A deductible is an amount of medical expenses you are responsible for paying before your insurance starts covering you. A common deductible is $500, this means you would be responsible for paying the first $500 in medical bills before receiving coverage. Having a higher deductible usually means you enjoy lower monthly premiums.
A co-payment is a fixed-dollar amount that you are responsible for paying for a particular medical service. For example, many plans have $20 co-payments for doctor's visits. This means it only costs you $20 to see a doctor.
Coinsurance is an amount of the cost of a medical service that you are responsible for paying. Unlike a co-payment, which is a fixed-dollar amount, coinsurance is expressed as a percentage. For example, many insurance plans have 20% coinsurance for hospital costs, meaning you pay 20% of the total cost of a trip to the hospital.
An out-of-pocket expense is any cost you have to pay yourself when receiving medical care. This includes your deductible, co-payments, and coinsurance. Most health insurance policies have an annual maximum out-of-pocket expense. Once you've paid out enough money to meet that maximum, your insurance company will pay the rest of your medical costs.
Managed care is a form of health insurance that stresses preventive medicine and affordability. In a managed care plan, you typically choose a Primary Care Physician who is responsible for approving specialist and hospital care. Managed care was originally introduced as a way to control healthcare costs. It's now the most common form of health insurance in the United States. HMOs and PPOs are examples of managed care.
What is a Health Savings Account?
A health savings account (HSA), is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The money you deposit in an HSA is tax-free. You don't pay taxes on qualified withdrawals, either. In effect, it's like getting extra money from the government to pay for healthcare. To open an HSA, you first have to purchase a high deductible health plan.
Use the comparison tool to identify plans that are similar to what your employer offers.
Contact an agent for a firm quote.
Submit an application either through the agent or online.
After you have been approved for an Ohio individual health plan, enjoy the piece of mind that comes from knowing your health, assets and financial future are protected.
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