Low cost Medical Mutual health insurance plans are available. Since 1934, Medical Mutual of Ohio has provided low cost health care to families and the self employed. Usually, rates are quite competitive compared to other major health care providers such as Anthem Blue Cross, Aetna, UnitedHealthOne and Humana.
Experienced brokers can sell Medical Mutual products. You can view specifics and apply online for quality coverage. When picking a health insurance plan, you want to work with a professional with 30 years of industry experience and not someone who was just hired. Although that eliminates most brokers, it ensures you’ll have a very know legible agent working for you.
Medical Mutual’s Wellness Health Savings Account (HSA) plans are some of the most popular and affordable plans in their portfolio. Preventive benefits are covered at 100% without having to meet a deductible, coinsurance or waiting period. Some of the provided preventive coverages include well child care and routine physical exams, routine mammograms and pap tests, routine PSA, cholesterol and colon cancer screening tests, and bone density tests. All other covered medical expenses will be covered at 100% after the deductible is met. Network discounts provide further savings.
An HSA is a low cost form of conventional health care coverage. Individuals or families with a “High Deductible Health Plan,” (HDHP) can take advantage of the tax savings offered by HSAs. With this type of coverage, contributions can be deducted from taxable income and any funds accumulate tax-free. Any unused funds remain available for future years. Also, you never pay a tax on qualified withdraws for medical, dental or vision expenses. And you can withdraw your money at any time.
The least expensive policy is the “short term” plan, which is most appropriate when the need for coverage is less than a year. Premiums are substantially lower than other types of policies and the approval process generally takes less than two days. Large expenses are covered and subject to deductibles ranging from $250 to $5,000. Although pre-existing conditions are not included in benefits, the plan is perfect for those that are between jobs, graduating college or high school, laid off or unemployed.
Comprehensive Ohio health insurance coverage is also offered by Medical Mutual. The “Elite” and “Premium” policies feature extensive office visit, prescription and preventive benefits. Deductible options range from $500 to $2,500 per person and there is no limit on the number of covered office visits. This policy is very popular for families with children.
Office visit copays are $30 for the “Elite”plan and $40 for the “Premier” plan. Specialist visits are covered although the copay is $10 higher. Urgent care visits are covered with a copay on both plans with complete coverage after the copay. Although basic prescription coverage is provided, a prescription drug rider will offer RX coverage with no deductible (just copays). Home delivery will substantially reduce your out of pocket cost. Medical Mutual of Ohio also offers a maternity rider, although it is very expensive.
When you purchase a policy, it is extremely important to buy coverage from an experienced Ohio-based broker that resides in the state. Generally, he/she will more familiar with plan benefits and exclusions and will use years of experience to answer your questions and recommend the most appropriate plan. Often, out-of-state websites will sell your information to brokers across the country, resulting in numerous unwanted emails and phone calls.
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Edward Harris is an expert at low cost temporary health insurance in Ohio. He also provides free Connecticut car insurance rates.Author: Ed Harris
