Individual Health Insurance HMO? Where can I find a plan?

Question

I need to find health insurance that is a HMO in the state of Ohio. I want an HMO because I do NOT want a deductible. I just don't make enough money to pay for insurance and then pay for my health care...that's why I need insurance in the first place. I don't care if I have a co-pay though.

Answer 1

Probably best to have a rest.looks like you can get some ideas here.

http://insurance.online-assistant.info

Answer 2

Go to a local agent, and ask them for quotes.  For a no deductible HMO, if you're 20 and healthy, it's going to cost you about $200 a month.   $300 a month if you're 30 and healthy.   Plus that $25 per visit copay.

Dental is a seperate policy.

Answer 3

Don't be afraid of a deductible. Most individual policies will allow you the doctor visit and prescription co-pays without having to meet the deductible first. The deductible with a comprehensive individual major medical plan normally only comes into play if you have to go into the hospital. If the premium for a $500 deductible is $75 per month less than a $0 deductible you could be admitted to the hospital once every 7 months and still come out ahead on costs.

The deductible usually has nothing to do with the plan being and HMO. In my state I have HMOs and PPOs both with and without a deductible.

A visit to a local independent agent will allow you to compare plans and find the most cost effective plan in your area. You don't pay any extra using an agent.

Answer 4

My agent is nationwide and they give you comparison quotes with 25+ companies to find you the best rate and plan that fits your needs.  You can find them at http://www.lvhealthins.com  They are really great to work with.