Health Insurance For Columbus, Ohio Residents
Most Ohio health insurance companies base their rates on many factors. Of course, the applicant’s health is the most important factor. But in addition, to health and age, the zip code can weigh heavily in ultimately determining the rate.
Most of Columbus is located in Franklin County, which is generally one of the lowest-cost counties in Ohio for health insurance. Even the surrounding counties, such as Delaware, Union, Madison and Licking, all have very favorable rates. Reasons for these low rates generally include lower hospital charges, lower doctor’s visit charges, and in some cases, lower malpractice premiums for medical professionals.
As an example, comparing rates for a typical comprehensive health insurance plan for a 45-year old husband and wife, we find the following monthly rates:
Franklin County
$263-UnitedHealthCare
$293-Aetna
$328-Medical Mutual
$363-Anthem
Warren County
$293-Aetna
$295-UnitedHealthCare
$346-Medical Mutual
$364-Anthem
Hamilton County
$293-Aetna
$328-UnitedHealthCare
$346-Medical Mutual
$364-Anthem
Cuyahoga County
$328-UnitedHealthCare
$353-Aetna
$378-Medical Mutual
$423-Anthem
The four plans considered in this comparison were UnitedHealthCare’s “Copay Select”, Aetna’s “PPO 2500”, Medical Mutual’s “Super MedOne Standard” and Anthem’s “Blue Access Plan 2.” Coverages vary between policies and Network negotiated pricing and doctor/hospital networks are different. Also…Anthem’s individual health insurance policy has higher prescription coverage than the other three mentioned carriers.
on October 26, 2008 on 7:32 pm
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on October 26, 2008 on 10:06 pm
[...] Health Insurance For Columbus, Ohio Residents Most of Columbus is located in Franklin County, which is generally one of the lowest-cost counties in Ohio for health insurance. Even the surrounding counties, such as Delaware, Union, Madison and Licking, all have very favorable rates. … [...]