Costs for health insurance in Cleveland are rising every year. In two thousand and seven insurance costs rose 40%. And while premiums are rising, coverages are falling, with ya as the insured paying …
* Higher deductibles
* Higher co-payments for physician visits
* Higher co-payments for prescription drugs
Is there any way to still find affordable health insurance in Cleveland?
Lower-Cost Employer Health Insurance
To save costs, many employers are looking to consumer-directed health-care plans such as Health Savings Accounts and High-Deductible Health Plans. These plans offer insurance with low premiums and high deductibles coupled with tax-exempt health savings accounts.
Forty percent of Cleveland outfits offer these plans, including large employers such as American Greetings.
State-Sponsored Options
For the unemployed or lower-income Cleveland residents, the state of Ohio offers several programs to help pay for insurance or medical care. These programs include:
* Healthy Start/SCHIP for little tikes under age 19
* Healthy Families
* Ohio Senior Health Insurance Information Program
For more info about these programs visit the Ohio Department of Insurance web site at: ohioinsurance.gov
Private Insurance
Private insurance is an option for Cleveland consumers, but it tends to be more costly than employee or state-sponsored insurance. To help ya save on private insurance, be sure to shop rates at an insurance comparison web site. Insurance outfits have different prices for similar insurance policies, and ya can save hundreds of bucks a year on your health insurance by comparison shopping.
When ya go to an insurance comparison web site, ya’ll fill out a simple form with info about yourself and your health insurance needs. Soon after ya submit your info ya’ll receive quotes from multiple A-rated insurance outfits. You can look over the quotes and compare them for cost, benefits, and coverages, then choose the plan that fits your needs.
Post a Comment