Just as Ohio Department of Insurance Director, Mary Jo Hudson encourages residents to shop around for a viable  insurance program, the President of Ohio Life and Health.com Michael Novelli resonates her recommendations, with the following warning:

In order to obtain an affordable Ohio medical insurance plan, consumers should obtain two to three medical insurance quotes.”

While Ms. Hudson advises residents to take advantage of the resources provided by the Ohio Department of Insurance, most consumers  require an unbiased representative to ensure that they are obtaining a fair and comprehensive Ohio medical insurance plan.

Ohio medical insurance agents, representing various major providers are more apt to obtain an unbiased  roster of medical quotes.

Ohioans no longer have to worry about being rejected due to a pre-existing health condition. Particularly, Ohioans who were dropped from medical coverage due to a preexisting medical diagnosis have approximately 60 days to reap the immediate benefits of the Open Enrollment Health Insurance Program.

Given President Barack Obama’s recent passage of the national health care reform, consumers should take the time to familiarize themselves with  how the various types of Ohio medical insurance differ.

For instance, preferred provider organizations (PPOs) and health maintenance organizations (HMOs) offer affordable coverage, requiring certain medical care services to be pre-authorized. Indemnity health plans offer the most flexibility, costing more in the way of premiums and out-of-pocket assistance.

Nevertheless, a licensed agent representing several major medical plans can educate and provide consumers with several medical quotes. For almost a decade, Mr. Novelli has been matchmaking consumers with a wealth of Ohio medical insurance quotes and options, based on their discerning needs. Obtain a complimentary (no-hassle) assistance today when you contact Ohio Life and Health at 866-522-5953.

There’s no more price gouging. Ohio health insurance companies used to charge four times the base rate. Insurance companies can no longer charge Ohioans more than double the lowest rate the providers charge an individual of the same age and gender. Moreover, the cap is supposed to dwindle to one and half times the lowest rate by 2013. The proposed price cap is being phased into account for those, who suffer from preexisting conditions. The idea is to offset rate spikes for the other consumers, who will ultimately eat higher premiums.

In the interim, Ohio health insurance should be more affordable for some 52,000 residents. On the Ohio state insurance Web site; consumers will find 29 insurance providers. The problem is that the agencies are being inundated with medical quotes and the agencies have a murky market requirement (4 percent of their market).

Given the short time to enroll, consumers are unable to obtain numerous health insurance quotes to compare premiums, deductibles, out-of-pocket expenses and overall medical benefits. Settling for the first medical approval can be a risky prospect without adequate due diligence.

Mike Novelli, President and principal insurance agent of Ohio Life and Health.com says, “During open enrollment, consumers tend to panic, settling for the wrong policy. I see it happen all too often. Since, the underwriting may seem like an enduring process, shoppers feel nervous and obligated to sign up because they did not obtain medical quotes from other sources.”
The best way to assure adequate coverage for the right price is to compare several quotes, simultaneously. Obtain medical quotes from two to three different Ohio health insurance providers – while supplies last.