Ohio Health Insurance Companies

Ohio is a diverse state full of many different health insurance companies. Many people who have lived in Ohio their entire life have had multiple plan offering through their employer and many Ohioans have been switched every so many years from one carrier to the next. Here is a brief overview of Ohio companies offering individual and family coverage.

Ohio Health Insurance Companies offer great selection.

With Anthem BCBS, Aetna, Humana, and United Health One, there are plenty of "A" rated companies in Ohio that offer reasonable prices. The most important thing about buying Ohio health insurance is having a good solid company. With President Obama's introduction of healthcare reform, the industry is more cutthroat than ever before. Small insurance companies, such as Assurant, Celtic, and Medical Mutual of Ohio present greater risks than they did five years ago. Companies such as Anthem BCBS and United Health One have billions of dollars behind them, along with years of experience and millions of members, not only in Ohio, but across the United States.

Select a company and submit an Application for Health Insurance.

In Ohio, health companies are allowed to decline your insurance application based on your health status. It is estimated that about 10-20% of Ohio health insurance applications are declined for coverage. This does not include the number of people who know in advance that they will be declined, so they do not submit an application. Luckily, the Ohio Department of Insurance manages licensed health insurance agents to help people understand how health insurance works. Most agents are independent and work with all the health insurance companies. The agent is appointed and paid by the insurance carriar. It is no cost to use an agent and an agent will help you submit an application.

Call 877-991-4249 to speak with an Ohio health insurance agent.

Also, keep in mind some Ohio health insurance companies have a pre-existing condition exclusion period. This is of most concern if you do not have prior coverage (coverage in the last 63 days) If you have been treated for a medical condition in the last few years, AND you do not have prior coverage you may have a pre-existing condition exclusion period. This rule is a good rule as it helps to protect the Ohio health insurance companies from fraud and those who are irresponsible about obtaining health insurance, in January, 2014 it is mandatory that all Ohio residents have health insurance.

Ohio Health Insurance Company Requirements

Ohio Health insurance companies are required to include a guaranteed renewable provision in the policy. This enables Ohioans to keep their insurance policy year after year, until they turn 65 and are Medicare eligible. The only requirement is that no fraud has occurred and that the member is current on paying their health insurance premiums.

Ohio Health Insurance Plans

Ohio companies offer a wide range of health plans. Most companies design plans for specific needs. So large families may need different coverage than a single person who is self-employed.

Anthem Blue Cross Blue Shield of Ohio

Blue Cross Blue Shield of Ohio has long been one fo the most popular providers of insurance in Ohio. While they used to dominate the market, they have lost a great deal of market share due to increased difficulty in their underwriting department. However, healthy people are very welcome on Anthem policies and the approved applicants recieve excellent benefits at affordable rates. Some of the best selling policies by Anthem are the SmartSense, CoreShare, and Premier plan. The Lumenos HSA is also a popular offering.

Aetna, once a company on the the sideline, has moved to front and center in the Ohio market. Many companies in Ohio have made their underwriting more difficult but Aetna is well known for taking on more risk and approving more applicants than other companies. While Aetna's rates are not the best, Aetna does take on heavier people, and people with multiple health conditions. Aetna is an important player in Ohio health insurance.

UnitedHealthOne is the branding for United Healthcare's individual and family policies. A favor of all Ohioans for their excellent plan benefits, affordable rates, and unique offerings like decreasing deductibles, dental insurance, vision, accident coverage etc. The company has long held a great deal of group business in Ohio and is a national company, so students or retirees who travel the country have the benefit of a national company.

The companies listed above are by far the best providers in Ohio. Other companies such as Humana and Medical Mutual of Ohio occasionally have some good offerings, but are never consistant in their competitive plan offerings.

Ohio is one of the best states in the country for the number of health insurance companies. However, the number of Ohio residents that do not have health insurance has increased by a shocking amount in the past few years. Though Ohio is a healthy and affordable place to live, it is also a state where a tough economy has put securing health insurance on the back burner.

Begin your search for Ohio health insurance companies by calling an agent for help at 877-991-4249 or getting an online health insurance quote.

Health Insurance Companies