Ohio family health insurance plans typically feature comprehensive preventive benefits that are not subject to a deductible, unlimited covered office visits and rich prescription coverage.
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The most popular form of family coverage is a Preferred Provider Organization (PPO). A PPO plan is one of the most flexible health care plans and available through all major insurers. Your out-of-pocket cost is reduced when you use a Network physician, specialist, facility or hospital. Often, the discount is as much as 30%. Lab fees and X-rays are often discounted as much as 70%. You may also choose to be treated by a physician or other provider that is not a member of your Network, although your cost will be higher.
Ohio family Health Savings Accounts (HSAs) have also become very popular, especially with premiums rising at an average of 15% in the last five years. An HSA allows you to pay for your health care benefits with pre-tax dollars. A “High Deductible Health Plan” (HDHP) must be set up to accompany your HSA, but the potential savings could be substantial. Preventive benefits are generally not subject to a deductible and out-of-pocket costs on major claims tend to be less than conventional plans. Also, a “Network negotiated repricing discount” will lower the amount you pay on covered expenses that are subject to the deductible.
Most Ohio Family health insurance plans allow you to change your major medical deductible, which can substantially lower your rate. For example, by raising the deductible from $500 to $2,500, you may save between $1,000 and $3,000 per year. And most family plans do not require you to meet the deductible to utilize covered office visit and prescription benefits. Also, preventive benefits, including routine physicals, mammograms, pap smears and child immunizations are typically not subject to a deductible. While individual medical plans have just one deductible to meet, most family plans will have an additional deductible.
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