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How A Health Insurance Agent Can Help You Find the Best Plan for You

Ohio residents pay an average of $471 a month for their health insurance if they’re 40 years old. When you go through the marketplace or exchange, you’re at the mercy of an algorithm that uses a few base questions to show you the options that you have available. A health insurance agent in Ohio can work with you on a deeper level to find the right plan for you.

How a Health Insurance Agent Can Help You Find the Best Plan for You

Help Navigate Marketplace Plans

Marketplace plans are available that may best suit your needs. An insurance agent can help you browse through these plans and explain the options that you have available to you. Since the agent’s services come at no cost to you, the information they provide can be invaluable.

Alert You to Non-marketplace Plans

The marketplace is just one avenue where you can search for plans. Sometimes, the best plans are not listed on the marketplace. The insurance agent will assist you in finding these plans so that you have a clear picture of the healthcare options that are available to you.

Assist You with Subsidy Plans

Subsidies may be available to you, and a health insurance agent will be able to:

• Recommend subsidies that may fit your needs

• Assist you in applying for these plans

• Lower your out-of-pocket expenses

Most states allow agents to access plans so that they can provide the best options to their customers.

The agent can help you both apply for these subsidies and may enroll you into these plans to save you significant time in the process.

Advocate on Your Behalf

When you sign up for a plan, you’re often left alone and have no one to help you the following year. However, an agent can work as your advocate year after year so that when open enrollment comes around or there’s a major life change that you go through, the agent can help you find the best plans available.

Additionally, they can:

• Ask questions about benefits

• Walk you through the claim process

Learn and Understand Your Needs

Your needs are unique, and when you go through the marketplace, your needs are often not considered in the same way that an insurance agent can offer. An insurance agent will work to understand your unique needs so that they can:

• Narrow down plan options

• Eliminate plans that won’t work for you

• Find only the best insurance options available for your needs

Often, the insurance agent will assist you in finding the plan that matches your needs and budget. However, when you sign up for the marketplace and don’t work with an agent, you’re missing out on potential plans that may offer you better coverage and benefits.

Ohio’s health insurance costs are expensive, but you need coverage to ensure that if a medical emergency does occur, you’ll receive the care you need most. Health insurance agents in Ohio can help you find a plan that best fits your unique needs and budget. They’ll even help you work through subsidies that can save you money.

 

 

How the ARP makes marketplace health plans more affordable for older buyers

Ohio Senior Health Insurance: What Is It And Do You Qualify?

Seniors spend an estimated $6,668 per year on health care, according to the Bureau of Labor Statistics. It’s the second-biggest expense for those aged 65 and older, and without adequate senior health insurance, medical costs can quickly become unaffordable.

For seniors in Ohio, it’s important to understand your health insurance options and whether you qualify for senior health insurance.

What is Ohio Senior Health Insurance?

In Ohio, qualifying seniors can apply for Medicare, a federal medical insurance program for those aged 65 and older. This insurance program helps cover the cost of medical care, including routine doctor visits.

With Medicare, you have two main options:

Original Medicare

Original Medicare includes:

• Part A: Hospital insurance that helps cover the cost of hospital care, hospice care, care in a skilled nursing facility and home health care.

• Part B: Medical insurance that helps cover the cost of doctor visits, outpatient care, medical equipment, preventive services and even home health care.

With Original Medicare, you can choose to join Part D, which is a drug plan that can help to cover the cost of prescriptions. You can also see any doctor or hospital that accepts Medicare anywhere in the country.

Medicare has out-of-pocket costs, like 20% coinsurance. To help with these costs, there is Medigap (Medicare Supplement Insurance) or coverage from a former union or employer.

Medicare Advantage

Medicare Advantage, or Medicare Part C, is a plan provided by a private third-party and serves as an alternative to Original Medicare. These are bundled plans that typically include:

• Part A coverage

• Part B coverage

• Part D coverage

Although these plans may have lower out-of-pocket costs compared to Original Medicare, you will likely need to use doctors and hospitals within the plan’s network. However, Medicare Advantage may also cover some things that Original Medicare does not cover, such as:

• Vision

• Hearing

• Dental services

The Ohio Senior Health Insurance Information Program (OSHIIP)

It can be challenging to choose the right senior health insurance option for you. The Ohio Senior Health Insurance Program, or OSHIIP, provides Medicare beneficiaries with unbiased and free:

• Health insurance information

• Education about long-term care insurance, Original Medicare, Medicare Advantage, part D and supplement insurance options.

• One-on-one counseling.

OSHIIP has helped more than 435,000 Ohioans and saved them more than $32 million in health insurance costs.

Do You Qualify for Senior Health Insurance?

Medicare is available to all seniors aged 65 or older. You can sign up for Medicare three months before your 65th birthday.

To qualify for senior health insurance, you must also be a U.S. citizen or have been a legal resident of the country for at least five years.

Individuals under the age of 65 may also qualify for Medicare in certain circumstances, such as receiving a disability pension from the Railroad Retirement Board, suffering from certain medical conditions or having permanent kidney failure.

Senior health insurance helps cover the cost of major medical expenses, routine doctor visits and, in some cases, long-term care. If you’re unsure whether you qualify for coverage or want to learn more about your options, OSHIIP can help.

 

Dental-Insurance

What Is Principal Dental Insurance?

Principal Dental insurance plans offer enrollees the opportunity to join an employer’s group dental coverage. In addition, employers can choose to customize their dental coverage to fit in their annual budgets.

What Is Principal Dental Insurance?

As a group dental insurance provider, Principal allows businesses to:

  • Pay for the entirety of their employees’ insurance
  • Cover just part of the insurance premiums
  • Cover none of the insurance premiums

Nationally, 50% of dentate individuals between 18 and 64 had some level of dental insurance in the past 12 months. As the job market remains highly competitive, employers that offer group dental insurance improve their odds of hiring top-tier talent.

Principal Dental offers:

  • Preferred Provider Organizations (PPO)
  • Dental Health Maintenance Organization (DHMO)

Depending on the state, various options may be available.

Customizable Options for Businesses

Group dental insurance plans have numerous customizable options that influence the business’ expenditures and bottom line. When determining the right choice for your business, you’ll need to customize:

  • Coinsurance
  • Deductibles
  • Options

Businesses can alter the deductible of the employee to match the financial constraints of the business. Higher deductibles for employees mean lower expenses for the company. Management must sit down and come up with a custom plan that maximizes the group dental benefits offered while also remaining within the business’ overall budget.

Principal Dental has an annual maximum refreshment as well as deductibles being waived under certain conditions. Employees also gain access to a mobile app that outlines their benefits and makes it easy to obtain ID cards.

How Group Dental Plans Work with Principal Dental Insurance

Principal Dental follows a standard, three-category system for dental services:

  1. Preventative. Routine exams and cleanings are part of the preventative care offered through Principal Dental and are 100% covered through insurance.
  2. Basic. Cavities that require fillings would fall under the basic care category, where 80% of the cost is covered by insurance and 20% by the employee or employer.
  3. Major. A major procedure, such as a dental bridge or root canal, will have some costs covered by insurance and the rest an out-of-pocket expense for the employee.

Employees will receive a comprehensive list of procedures that are covered through their insurance and which are not. Transparency allows employees to opt into group plans with confidence that the procedures they need the most will be covered as long as they’re listed.

When employers offer group dental insurance through Principal, they’re joining a massive network of nationwide dental providers that their employees can leverage to maintain optimal dental health.

In-network and non-network coverage options are offered, and out-of-network deductibles are combined to quickly help employees meet their deductible limit.

Principal empowers employees to recommend their own dentist for inclusion in the network. If an employee is happy with their own dentist, the ability to continue using the same dentist is crucial.

At ClaimLinx, our consultants can help business owners find group dental insurance that meets the needs of their organization.

Small and large businesses that offer group dental insurance can increase applicants for a position, improve employee satisfaction and boost employee retainment through insurance options.

What is Medicare Supplement Insurance? Supplement insurance, or Medigap insurance, is just like it sounds: insurance that fills in the gaps. For example, in the scenario above, this type of insurance would kick in and cover the $12,000 that original Medicare doesn't cover. Roughly 24% of all beneficiaries on Medicare purchase Medicare supplement Insurance What's Included in Medicare Part A and B? If you're on original Medicare, this means that you're on both Medicare Part A and Part B. Medicare Part B covers about 80% of the costs for approved: • Doctor services • Medical equipment • Outpatient therapy On top of the 20% of the costs, you'll be required to pay a deductible of just over $200 in 2021. While you may not pay for Medicare Part A, you will be responsible for paying for Part B if you want this additional coverage. Supplement insurance is sold through private insurance companies and will offer additional coverage, such as: • Costs of doctor visits • Services rendered outside of the US Insurance companies cannot disqualify you from these programs based on preexisting conditions either. Cost of Medicare Supplement Insurance Is this type of insurance worthwhile for you? It depends. You'll be required to pay additional money to these programs, and they can be very expensive. While the average person paid $152 per month for supplemental insurance in 2018, prices may be much higher for the individual. Depending on multiple factors, the cost of these plans can range from $50 to $650. Factors that contribute to the overall cost are: • Age • Location • Deductible However, some individuals may benefit from state programs that offer to pay for some or all of these costs. Often, low-income individuals will qualify for state assistance, so they'll benefit from low or no cost for their supplemental insurance. Additionally, there may be options to help cover the cost of prescription medications, too. When considering whether signing up for one of these programs is the right thing to do, it's important to note that Original Medicare does not have a limit on out-of-pocket expenses. So, you'll continue to pay 20% out-of-pocket whether the bill is $200 or $2 million. There are options outside of Medigap, such as Medicare Advantage plans that will roll Part A and B into one plan as well as offer prescriptions for free. Medicare supplement insurance is often a good choice if you don't have coverage through a union or employer and you're enrolled in Original Medicare.

Is Medicare Supplement Insurance Right For You?

Medicare is available for people who are 65 or older or individuals that suffer from disabilities. Original Medicare, which is more of a basic form of the program, provides just the most basic form of coverage.

While original Medicare covers most of your medical and hospital bills, you’ll still have to pay for 20% of approved doctor treatments.

If you’re in the hospital for even three days, the cost of the hospital stay can be as much as $60,000. Paying 20% of these costs still leaves you with a $12,000 bill that you need to pay.

Medicare supplement insurance can help.

What is Medicare Supplement Insurance?

Supplement insurance, or Medigap insurance, is just like it sounds: insurance that fills in the gaps. For example, in the scenario above, this type of insurance would kick in and cover the $12,000 that original Medicare doesn’t cover.

Roughly 24% of all beneficiaries on Medicare purchase Medicare supplement Insurance

What’s Included in Medicare Part A and B?

If you’re on original Medicare, this means that you’re on both Medicare Part A and Part B. Medicare Part B covers about 80% of the costs for approved:

  • Doctor services
  • Medical equipment
  • Outpatient therapy

On top of the 20% of the costs, you’ll be required to pay a deductible of just over $200 in 2021. While you may not pay for Medicare Part A, you will be responsible for paying for Part B if you want this additional coverage.

Supplement insurance is sold through private insurance companies and will offer additional coverage, such as:

  • Costs of doctor visits
  • Services rendered outside of the US

Insurance companies cannot disqualify you from these programs based on preexisting conditions either.

Cost of Medicare Supplement Insurance

Is this type of insurance worthwhile for you? It depends. You’ll be required to pay additional money to these programs, and they can be very expensive. While the average person paid $152 per month for supplemental insurance in 2018, prices may be much higher for the individual.

Depending on multiple factors, the cost of these plans can range from $50 to $650. Factors that contribute to the overall cost are:

  • Age
  • Location
  • Deductible

However, some individuals may benefit from state programs that offer to pay for some or all of these costs.

Often, low-income individuals will qualify for state assistance, so they’ll benefit from low or no cost for their supplemental insurance. Additionally, there may be options to help cover the cost of prescription medications, too.

When considering whether signing up for one of these programs is the right thing to do, it’s important to note that Original Medicare does not have a limit on out-of-pocket expenses. So, you’ll continue to pay 20% out-of-pocket whether the bill is $200 or $2 million.

There are options outside of Medigap, such as Medicare Advantage plans that will roll Part A and B into one plan as well as offer prescriptions for free.

Medicare supplement insurance is often a good choice if you don’t have coverage through a union or employer and you’re enrolled in Original Medicare.

Health Insurance Policy

5 Things You Should Understand About Your Health Insurance Policy

What is Health Insurance?

Health Insurance is the kind of insurance that mostly can pay for prescription medical, surgical, and even the dental charges incurred via way of means of the insured. It is frequently covered in business enterprise advantage programs as a manner of engaging great employees, with charges partially covered by the company. However, more commonly this amount is deducted from worker paychecks. The payment charges are certain to the customer, and therefore the rewards are assessment-free, with positive exceptions for S Corporation Hands.

CHIP (Children Health Insurance Program) and Medicare are public medical health insurance plans that concentrate on older people and children, respectively. Medicare additionally serves humans with disabilities. This is a kind of coverage insurance that will pay for clinical and surgical costs incurred with the aid of using the insured.

The process of selecting health insurance is very delicate because of its specific rules:

  • Coinsurance
  • Redundancy
  • Process of network services

 

Things You Should Know About Your Health Insurance Policy:

Uncertainties in life are common and medical needs are one of them. But we can plan a hassle-free healthy life by buying Health insurance for times that are uncertain. There are many options present but finding an insurance policy that is the perfect fit for your requirements is very difficult. Through this article, we aim to present a quick rundown of the 5 things that you have to review to buy the health insurance plan for your family and yourself.

Criteria Regarding Age:

Age is one of the key deciding factors when it involves insurance. While copping a medical policy do confine mind the age of the individual that you’re planning to insure. Like during a family floater policy, the value of premium would depend upon the age of the eldest loved one.

Also, it is recommended to thoroughly inspect the regulation criterion when buying an insurance cover. There are health plans that have the minimal entry regulation of 91 days and therefore the maximum entry regulation of up to 60 periods. And some plans have a minimal regulation of 25 periods up to a most of fifty periods.

Your Doctors Expenses May Not Be Covered:

If you’re planning on keeping your current doctor for future treatments, it is imperative that you check if they’re covered by your insurance. HMO Plans can be very restrictive, and you may only get access to doctors in the current network. There are PPO plans that let you visit other doctors that aren’t in the network for a higher premium. Good health plans protect the medical expenditures that are suffered during hospitalization. Hybrid plans such as POS plans allow going outside the network by paying extra.

Benefits of Free Hospitalization:

Hospitalization is care in a clinic that requires admission as an outpatient and normally requires a midnight stay. Midnight stays for observation could be inpatient care. The best health insurance plans typically cover all your medical expenditures. In case of free rehabilitation, the insurance company takes all the expenses of medical treatments and directly pays the bill to the hospital.

Health Insurance companies have a clear connection with network hospitals where the persons who take insurances from them, can take free care in case of any medical emergency. This process saves you from all the hurdles should bear to take an appointment or other processes.

So, if you buy any health insurance you do not need to arrange money for your checkup. Your checkup will be taken in the hospitals that are connected with insurance companies. Quality checkups and the best health care are provided to insurers in insured hospitals.

Cashless Health Insurance is a policy in which the sanitarium outgoes are settled directly between the hospital network and an insurance company. Policyholders have no restriction to pay.

Health Insurance policies should be bought because it provides a lot of facilities and advantages in life.

With the cost of healthcare being incredibly high, it is extremely difficult to come up with the cash required for good quality healthcare if you do not have insurance. The free medical policy offers the advantage of free checkups and virtual visits to doctors. A free medical policy is a health insurance plan which gives the advantage of free rehabilitation in the hospitals of their network. The payless medical insurance policies pay all the expenditures of its member. Once you buy the insurance you should not worry about anything but to enjoy life happily.

Free Health Checkup facility:

The check-up of the whole body is known as a medical check-up. The essential body checkup includes a checkup of heart, brain diseases, and blood pressure, etc.

The cost of protective health check-ups for MRIs, cardiovascular infirmities, and screening of cancer, etc. has gone up. You can save your money by buying health care insurance from reliable health care providers. When you go to buy an insurance policy you make sure by checking the index of health checkups.it would be better for you and you can save your money in this regard.

Importance of free check-ups:

  • Diagnose life-threatening diseases earlier
  • Increase treatment chance
  • Improve Health
  • Enhance Life span
  • Lessen the risk of complications

Coinsurance Section:

Many people get confused about the term co-insurance and at the time of purchase, they ignore it. It is mostly the amount you should pay at the claim time, and the other payment will be paid by insurers. So, before you ink your medical policy check if there’s any payment clause applicable that might impact your claim quantity. You should always aim to buy a plan that has no limits. Many insurance companies have a policy regarding age limit or the policy that you would not be able to get insurance if you have any pre-existing problems regarding your health. It is always recommended to get these facts straightened out beforehand to avoid any unforeseen complications later down the road.

Purpose:

Insurance companies use coinsurance to divide health care costs to help moral haz