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Health Insurance in Ohio
Why You Need Health Insurance
Health insurance is mandatory, following the passage of the Affordable Care Act (ACA). Besides being mandatory, there are many other benefits of having health insurance. Since health insurance is mandatory, with it, you won’t have to pay the penalty those without coverage have to pay. Health insurance will cover many essential health benefits that are important for maintaining your health, as well as treating any illness and accidents that can occur.
With insurance, you can be saved from unexpected and high medical costs. With certain plans, you will pay less for covered health care, even before you meet the deductible. Insurance will also cover preventative care, such as screenings and vaccines, and possibly even some checks ups whether you have reached your deductible already or not.
What to Know about Health Insurance in Ohio
After the passage of the ACA, the state has a federal marketplace that enables you to enroll in a healthcare plan. The state doesn’t allow you to renew short-term health plans, and with the passage of the law, the uninsured rate in Ohio has dropped by 45%.
Different Plans Available
There are various health plans available in Plain City, OH and around the state and an agent at Smucker Insurance Agency, Inc. can help find the right plan for your needs. There are four categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These plans are about costs and don’t have anything to do with the care offered. There are also different plans that may limit the doctors you can see. An HMO plan will allow you to see any doctor that is covered by the network and often requires you to get a referral for specialists. Doctors outside the network aren’t usually covered unless it’s an emergency. A PPO plan also requires you to see doctors in a network but often doesn’t need referrals. You can use doctors outside the network for an additional cost.
Contact Smucker insurance Agency, Inc., serving Plain City, OH, to get a quote on health insurance.