Medical Security with Ohio Individual Health Insurance Plan
Online, July 27, 2010 (Newswire.com) - You can look for affordable health insurance plans that are most suitable for you; this can be easily done with the support of an insurance agent, or the representative of an insurance company.
Individual Ohio health insurance plans require medical underwriting of the person to be insured; therefore, premium computations would partially depend on whether the proposed insured is relatively healthy or has a pre-existing medical condition before application. Even though a person is found to be suffering from a certain medical condition, he may still be granted an individual Ohio health insurance policy plan. There are even certain circumstances that would totally get rid of the factor on pre-existing medical conditions, that is, if the person to be insured has a previous record of credible group underwriting. Another good news is that, recent health reform programs now permit lower premiums for any of these individual Ohio health insurances, especially that of the 2004 legislation.
The three basic individual Ohio health insurances are, the "comprehensive plans," "catastrophic plans," and the "Health Savings Account plans" or the HSAs. In these plans, increasing your deductibles would greatly reduce the premium rates and vice versa. Absence of past medical conditions could also definitely lower the price. You can even change from one type of coverage to another.
Catastrophic individual Ohio health insurance plans or high-deductible health plans featuring lower rates would cover only certain medical expenses. In these kinds of policies, out-of-the-pocket expenses tend to be higher, with limitations imposed on office check-ups and medical prescription coverage. Compared to the catastrophic plans, comprehensive individual Ohio health insurance plans are much more expensive because these cover more office check-ups and medical prescription, but increasing the deductibles will always tend to decrease its premium rates. Health Savings Account plans are attractive in terms of lower premium and additional tax benefits. This type of plan also enables the insured to enjoy complete account access and management.
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