Affordable Health Insurance Plans in Cleveland, OH
Are you looking for health insurance plans that will fit your needs and budget? HealthQuoteInfo can certainly help if you’re a resident of Cleveland, Ohio, where both the private insurance market and the state offer health insurance packages that you may afford. We can help you find the right health insurance for individuals, families, and groups.
In the state of Ohio, the private health insurance packages that may be available for you may depend on your particular location. So to find out which private insurers will have a plan for you, you only need to use our search bar by entering your zip code into it. You will then get a list of plans that can come from such insurers as Humana, Golden Rule, Aetna, Coventry, Anthem, and Assurant. You can then find out more details about these plans so that you can determine which one of them suits your circumstances best.
But you’re not limited to just the private health insurance market either. If you’re considered by these insurers as uninsurable or if you can’t afford their plans, you may qualify for more affordable programs offered by the state of Ohio.
There’s, of course, the Ohio Medicaid program, which is designed to service the health insurance needs of special groups such as senior citizens older than 65, families with children under 19 years of age, and children under 19 years old. Other groups that may qualify include pregnant women, people with disabilities, and women who are screened for breast and cervical cancer. The program offers a wide range of services, including physician services and inpatient hospital care. Additional services include family planning services and supplies along with home health services.
For those whose earnings don’t even reach the federal poverty level, there’s a special Medicaid program called Healthy Families. This is reserved for families with children (younger than 19 years old) whose annual income is just 90% of the FPL.
Another similar program is Healthy Start, which is for pregnant women and families with children under 19 years of age whose yearly income is 200% of the federal poverty level. The coverage includes inpatient hospital services, laboratory services, and pharmacy supplies, with additional services such as vision, hearing, and dental services Preventive care services are also part of the package.
It’s a well-known fact that medical services are more affordable, and overall patient health is better off when medical conditions are discovered as early as possible. This is why Ohio offers its Early and Periodic Screening, Diagnosis, and Treatment program. Also known as Healthchek, this program allows for 8 checkups to be done for the first 2 years of a child’s life, to be followed by an annual checkup thereafter. Any medical treatment that will be required for a discovered condition during these checkups will also be covered by Healthchek.
Small business groups may also avail of the state’s small group plan. Requirements include having at least 2 workers who work a minimum of 25 hours a week each. The premium rates will depend on the health history of each enrolled employee, although no medical condition can prevent any worker from being covered by this plan.