Common Questions About Ohio Affordable Insurance

Many people are interested in Ohio affordable insurance. This can be a cost effective way to get the health insurance coverage you need.

At PMG Agency we can provide specialist health insurance advisors. They will be able to offer assistance for those people looking for affordable health plans. To help you find the right health insurance for your needs here are some answers to common questions.

1. Are any plans available that provide coverage for a few months?

Short-term health plans are available from the leading insurance providers. They offer a cost effective way to provide temporary coverage for individuals and families. Typically these plans offer lower premiums than long-term options but the coverage can be more limited.

2. Do I need catastrophic health coverage?

Catastrophic health insurance plans cover unexpected medical expenses. These can include emergency room charges, surgery and hospital stays. This is a useful form of coverage that offers a solid and affordable back up plan in case the worst should happen.

However this type of insurance does not cover routine medical treatment in most cases such as doctors office visits, specialist referrals and prescription drugs.

3. What is a PPO plan?

PPO stands for Preferred Provider Organization. This type of health plan offers a choice of treatment options for patients. A number of in-network providers will be available at reduced prices. This is a cost effective option for patients. You can also choose to use out of network providers if you prefer, but this could cost more money.

4. Can I still get health insurance if I have a pre-existing condition?

Currently there are exclusions in place for pre-existing conditions. Some conditions may not be covered at all by health plans. Other plans may require you to undergo a waiting period (no more than 12 months) before you can claim for a pre-existing condition on your health insurance.

The laws regarding coverage for pre-existing conditions are changing. The Patient Protection and Affordable Care Act (March 2010) aims to make health insurance more accessible to everyone. Under this act by 2014 all pre-existing condition exclusions will be eliminated. This means that insurance companies will no longer be able to refuse patients cover or charge them more based on a pre-existing condition.

5. Do I have to pay for health insurance quotes?