How To Buy Ohio Health Insurance For Your Family

The passing of the Patient Protection and Affordable Care Act in March 2010 has brought about many changes in Americas health insurance system

. These changes will come into effect over the next four years and beyond, and will affect the way individuals and businesses buy health insurance. New reform is expected to help more than 100,000 uninsured adults in Ohio get coverage. As the changes slowly come into place, it is important to know how to buy the right Ohio health insurance plan for your family.

Things You Need to Know Before You Buy Ohio Health Insurance

New reform makes it compulsory for all individuals to have health insurance coverage. Things you need to know before you buy an Ohio health plan:

People with pre-existing conditions who purchase individual health policies through open enrollment can get insurance coverage more easily. There are limits as to how much insurers can charge people with pre-existing or chronic conditions, diabetes and cancer

Unmarried children can stay on their parents plan up to age 28

Health insurance must provide free preventive care for blood pressure and cholesterol tests, cancer screenings, routine vaccinations, flu and pneumonia shots, well-baby and well-child visits, and specific types of counseling

Your Ohio health insurance policy cannot be cancelled when you get sick

Starting 2014, Health Insurance Exchanges will make it easier for individuals and small businesses to buy affordable health plans

More Ohio residents will become eligible for Medicaid

Subsidies will be provided to help people afford health insurance

There are no lifetime limits on your benefits or the amount your insurance company will pay. Annual limits will disappear completely starting 2014

You can choose the doctor or specialist you want to see from your plans network

There is no need for approval for emergency care at an out-of-network hospital

How to Buy the Right Individual Health Insurance Plan

The best way to buy an Ohio health insurance plan is to depend on a licensed health insurance broker. They represent leading health insurers and can help you find an affordable plan to meet your requirements. Their websites are where you can make comparisons between various plans. Brokers are paid by the insurance companies they represent and do not charge a fee for the services they provide. A reliable broker would offer you comprehensive guidance to choose a plan, and apply and enroll in it. They can help you understand the changes in the health insurance scene so that you can buy the right health insurance Ohio plan for your family.

by: Onesource Benefits

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