Recently, I lost my job. But, I started a cleaning service business. Although, I’m a healthy 34-year old, I’m worried that a single hospitalization could wipe out my financial progress. I have three questions: 1) Should I obtain a small business, affordable, Ohio health insurance plan even though I don’t have any employees;? 2) Or, should I shop for an individual Ohio health plans? 3) I’ve received mixed reviews about Aetna. Do they offer have any Ohio health plans with comprehensive coverage?
L.C – Columbus, Ohio
——————————————————————————————
Congratulations on your new thriving business. You’re shrewd to plan for the worse case scenario. Unforeseen medical crises are the leading reason people become financially devastated. Although, you’ve started a new business, it is unnecessary to obtain small business insurance. You have two options. The first alternative is to obtain a medical quote around for a self-employed policy. These Ohio health plans are affordable because they are grouped together with other business owners. The caveat is that these policies offer limited benefits with average premiums.
Your best bet is to shop for an affordable, Ohio health insurance with a nominal premium and adequate medical coverage in case something should happen, requiring hospitalization. For example, Aetna Open Access HMO possesses the features you’re looking for in an Ohio health plan. Your monthly premiums would be roughly $90 a month (depending on your family health history). With Aetna’s Open Access HMO plan the following out of pocket expenses:
What makes the Aetna Open Access HMO such an affordable Ohio health insurance are the medical care costs. A primary care office visit has a co-pay of $20 and $30 for any annual gynecological check ups. If you are hospitalized, Aetna’s Open Access HMO – Ohio health plan pays 90 percent of the medical expenses. Emergency room co-payments are $100 and urgent care has a $50 co-pay fee. Also, a $10 and $20 co-pay are the norm for any generic or brand name prescriptions, respectively.
While Aetna’s Open Access HMO – Ohio health plan is comprised of several redeeming features, always obtain a medical quote, by dialing 1-866-522-5953 to compare other policies. Please note that the above affordable Ohio health insurance quote information varies and depends on each consumer’s unique medical circumstances.