Ohio Medicare Plans and Ohio Health Insurance Plans

Ohio Health Insurance Plans
There are numerous Ohio Medicare Plans for people aged 65 years and older, or for people having disabilities.  There is also a wide variety of Ohio Health Insurance Plans for people under age 65. The total populace of Ohio (OH) is 11.6 million people. For the years 2011/2012, health insurance coverage for Ohio residents contained:

  • 50% have employer insurance vs. 48% of people in the U.S.
  • 5% have Individual insurance vs. 5% of people in the U.S
  • 13% are uninsured vs. 15% of people in the U.S
  • 16% are on Medicare vs. 14% of people in the U.S
  • 16% are on Medicaid vs. 16% of people in the U.S

Ohio Medicare Plans: Ohio Medicare Advantage Plans
Ohio Medicare Plans: Ohio Medicare Prescription Drug Plans
Ohio Medicare Plans: Ohio Medicare Supplement Plans
Ohio Individual Comprehensive Major Medical Plans (Obamacare Plans)
Ohio Short Term Insurance
Ohio Dental Insurance Plans
Ohio Supplemental Insurance
Health Care Reform
Additional Resources

Ohio Medicare Plans

Ohio Medicare Plans: Ohio Medicare Advantage Plans

Rather than to stay with the Original Medicare, you may consider an option to enroll in one of Ohio’s Medicare Advantage Plans. These plans are offered by private insurance companies. By law, they cover all services as offered by the Original Medicare program. Plans normally include a Medicare Prescription Drug Plan and multiple extra services such as wellness programs, dental, hearing and vision services, and often gym membership.

There are several types of Medicare Advantage plans available. These include HMO, PPO, PFFS, MSA and SNP. All plan options are accessible in Ohio. Below is the list of Ohio Medicare Advantage providers represented by Liberty Medicare:

Ohio Medicare Plans: Ohio Medicare Prescription Drug Plans

If you are covered by the Original Medicare and didn’t enroll in Medicare Advantage Plan, you are advised to enroll in one of the stand-alone Ohio Medicare Prescription Drug Plans (PDPs). The enrollment is optional but highly recommended, because there is a consequence for delayed PDP enrollment. PDP’s are run by private enterprises and cover both generic and brand name drugs. Most of these companies are well-renowned and conduct business across most of the US states.

Below is the list of Medicare Prescription Drug providers in Ohio represented by Liberty Medicare:

State Pharmaceutical Assistance Programs (SPAPs)

Ohio does not have any SPAPs, but has Ohio Best Rx – a prescription drug discount card program.  It provides prescription drug discounts for all Ohio residents. State residents over the age of 60 are automatically enrolled regardless of income. In order to be eligible for the program state residents under the age of 60 should meet two requirements:

  • not have any insurance coverage
  • must meet the an income requirement:  to make equal to or less than 300% of federal poverty guidelines

Ohio Medicare Plans: Ohio Medicare Supplement Plans

Medicare Supplement Plans (Medigap Plans) provide protection against Original Medicare out-of-pocket costs. Included among the costs are deductibles, co-payments, coinsurances and excess charges. Without such plans your Medicare health costs may be staggering. Plans are sold by private insurance companies licensed in Ohio.

Ohio Medicare Supplement Plans describe Ohio specific Medigap regulations, and provide Liberty Medicare list of Ohio Medigap carriers.

Ohio Individual Comprehensive Major Medical Plans (Obamacare Plans)

Obamacare Plans refer to health plans that are compliant with Patient Protection and the Affordable Care Act (PPACA). These plans are known as Qualified Health Plans (QHPs). They must include Essential Health Benefits and provide all Obamacare Benefits and Protections. The plans may be sold through Health Insurance Marketplaces, also known as Exchanges, as well as directly through insurance vendors.

Ohio Health Insurance Marketplace describes the specifics of Ohio Exchange, and provide a Liberty Medicare list of insurance companies offering Ohio Obamacare plans.

Ohio Short Term Medical Insurance

Ohio Short Term Medical (STM) Insurance provides health insurance for individuals and families in times of transition. STM insurance covers the need for temporary medical coverage. It is an alternative to Obamacare plans whenever those plans are either unavailable (i.e. fall outside of Annual Enrollment Period) or unaffordable.

Below is the list of Ohio Short Term Medical Insurance providers represented by Liberty Medicare:

Ohio Dental Insurance Plans

Dental Insurance Plans in Ohio is available for all ages – for people under 65 as well as for people over 65. Three types of Dental Insurance are available:

  • Indemnity Dental Insurance. With this dental insurance you may choose your own dentist, as there are no network constraints.
  • PPO Dental Insurance. This dental plan operates through a network of preferred doctors whose services charges are discounted. Fees are higher for patients who are visiting doctors outside of the network.
  • Dental Discount Plans. These plans are not dental insurance. They are just discount plans; doctors participating in this program have to offer discount prices for the majority of dental work they perform.

All of the above dental insurance plans are available in Ohio.  See Liberty Medicare list of Dental & Vision Insurance Providers.

Ohio Supplemental Insurance

Ohio supplemental insurance plans, such as Hospital Indemnity plans, Recovery Care plans and Critical Illness plans, are Indemnity Health Plans. They allow you to visit any health provider without health network limitations. Such plans pay you the specified cash amount for each covered service, regardless of what the provider charges you.

A variety of Supplemental Plans are available in Ohio. See Liberty Medicare list of Individual Supplemental Insurance Providers.

Health Care Reform

How the Health Care Law is Making a Difference for the People of Ohio

Additional Resources

Ohio Department of Health
Ohio Consumer Guide to Health Insurance
Ohio Medicaid

Let Liberty Medicare Help you to Select one of the Ohio Medicare Plans / Ohio Health Insurance Plans

Liberty Medicare is dedicated to helping you through all steps of selecting and enrolling in the best, most appropriate Ohio Health Plan (Medicare Plan or Individual Health Insurance Plan) for you.

All of our many services are offered to you at no cost. We’ll help you to compare key attributes of Ohio Health Plans available in your location, such as:

  • Benefits
  • Cost
  • Doctor access and network limitations
  • Medical Underwriting (if applicable)
  • Plan quality

Liberty Medicare represents many well-known Medicare and Individual Health vendors in Ohio. Learn more about all benefits of working with Liberty Medicare.

If you are searching for Ohio Health insurance, let us help you. To view real estimates from insurance providers, please fill out the Medicare Quotes or Individual Health Quotes form. Alternatively, you may give us a call at 877-657-7477, and you will be connected to a licensed agent/broker.