If you find yourself out of work without health insurance or self-employed and looking for affordable coverage there are a number of options in Ohio. Companies like Anthem and Medical Mutual have put together a large network of providers in Ohio to keep the costs down for their subscribers.
If you are looking for a plan similar to the one offered by most major employers, Anthem's Premier coverage is the closest. This plan is aimed at families and emphasizes preventive care for children and adults alike. The premiums are higher than the other plans that Anthem offers but because it pays for wellness visits it could end up being more affordable in the long run. Costs can also be controlled by taking higher deductibles and coinsurance rates.
If you are looking for individual coverage or don't have children, Anthems' Smart Sense may be better suited to your needs. This plan provides basic coverage at some of the companies' lowest rates. Smart Sense requires copayments for the first three doctor visits each year and covers all generic drugs as well as some brand name drugs. The premium you pay will be based on the size of the deductible you choose.
Medical Mutual of Ohio also offers a variety of coverage plans to fit your needs and budget. You can pick from high deductible plans and plans with a variety of copays. Medical Mutual through its SuperMed One plans also offer value plans which combine traditional health insurance with health savings accounts. The government allows considerable tax savings for people who set up health savings accounts to help pay medical expenses. The savings accounts can be combined with high deductible plans to make sure that your family isn't wiped out by a catastrophic illness.
Medical Mutual and Anthem both also offer short term insurance plans that are perfect for someone caught between jobs without health insurance. These coverage plans offer similar benefits to the other plans. It also might be worthwhile to check the alternatives the companies offer to COBRA because in many cases your premium will be less expensive.
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