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Tag Archives: health reform

Will You Get a Health Insurance Subsidy? You Might Be Surprised.

subsidyOne of the ironic points about the Patient Protection and Affordable Care Act on the horizon (also known as “Obamacare”) is that insurance rates are going to rise. In fact, they already have since the plans offered today are required to provide immediate benefits up front: most notably preventive care (physicals, screenings and immunizations) offered at no out-of-pocket cost to the patient.  It’s a benefit and it costs money. Read More…

Apples and Oranges: Understanding the Four Levels of Health Care Coverage

apple-orangeOne of the most common—and justified—complaints heard from consumers when it comes to choosing heath insurance plans is the difficulty in comparing different plans, whether it is from the same carrier or across different carriers. It has likened to the challenge of comparing “apples to oranges,” as the old saying goes. That’s one of the reasons the Patient Protection and Affordable Care Act (PPACA) has established what it refers to as the Four Metal Levels of Health Care Coverage. Read More…

Why is the Cost of Healthcare So High?

Pill bottle with cash inside BEThere are a lot of factors that have led to the rising cost of healthcare.  Even with health reform, intended to reign that in, it will probably be decades in the making before we completely solve that equation. However, one of the key factors that drives the cost of health care—and health insurance—is consumption.

How you access care is a huge factor in determining how much that care costs.  For example, if you go to ER or wait for your chronic illness to become acute before you seek treatment or help, that is going to put a huge burden of cost on the system. Indeed, it will cost much more to treat that illness later in the game (often with less desirable results) than it would have been had the illness been diagnosed and treated earlier. It’s the classic “cost of prevention” scenario. That’s why, in the effort to reign in control of the cost of healthcare, there is such a focus on wellness and prevention. Read More…

Healthcare Reform is Coming…or Is it Already Here?

longterm-careDespite all the endless debate about the merits of President Obama’s Patient Protection and Affordable Care Act (PPACA or, “Obamacare”), I think we can all agree that the health insurance industry has been in disarray. Prices have been rising for decades while care levels have been falling. The point of debate has been about who is going to fix it, who is going to take credit for the fix and whether the fix will be something more government centric or more free market centric. Read More…

COBRA Subsidy Help

If you have recently lost your job, upon unemployment, some of you will qualify for a COBRA extension for your Ohio individual health insurance.

Instead of only paying the employee contribution of your health plan, you will have to pay your contribution, the business contribution, and an administration fee.

Health Insurance Reform

Health Insurance Reform

COBRA subsidies of up to 65% for 9 months are available for those who qualify;  to find out if you and your family qualify for government support, call 866-577-3619.

For those who qualify for the subsidy, the temporary savings is not always the best choice. While you may save a few dollars in the short run, if you encounter an illness during that time you may become uninsurable and may not qualify for Ohio individual health insurance in the future.  A better course of action would be to obtain affordable coverage now when you don’t have any major illnesses.

Why Ohio Individual Health Insurance?

1) Permanent  – as long as you pay your monthly premium, no one can take it away from you.

2) Portable – Ohio individual health insurance is NOT contingent on your employment, you own it and you can take it with you from job to job.

3) Affordable.  Individual & family insurance gives you full medical coverage, just like group health insurance, except at about 1/2 the cost.

When you shop online, make sure you deal with reputable agency not a lead generation company that will sell your information to up to 5 different brokers.

The following sites allow online quotes for Ohio individual health insurance that are fast and free with no obligation to buy.

Each site assigns you 1 and only 1benefit consultant to provide you the support you need;