Call 513-662-7000 as we offer excellent rates on health insurance in Ohio, Kentucky, and Indiana. Health insurance quotes are also available in all 50 states by clicking here.

There Are Three Types of Health Insurance Policies

Group Health Insurance – This is typically provided by your employer. Click here to learn more information about Group Health Insurance in Cincinnati. We offer group health insurance in Cincinnati From every major carrier available.

Short Term Health Insurance– Short term health insurance policies are purchased individually and as the name implies they are meant to cover only a short interim period of time, typically from 1 to 12 months. Pre-existing conditions are not covered by a short-term health insurance policy. Call 513-662-7000 to receive a short-term health insurance quote in Cincinnati.

Individual Health Insurance– Individual health insurance policies can be purchased as individuals to cover a lack of employer provided group health insurance, or perhaps you own a small business and do not offer group insurance for your employees.

Can I Be Turned down for Individual Health Insurance Because Of Pre-Existing Medical Conditions?

Due to changes in the new health care law insurance companies are no longer able to decline someone due to a pre-existing health condition on individual health insurance policies.

Is an Individual Health Insurance Policy the Same As a Group Health Insurance Policy?

Individual health insurance policies with some companies may mimic features and benefits of group health insurance policies.

Other individual health insurance policies such as the HSA health insurance plan, offer the lowest prices on health insurance in Cincinnati but they come with high deductibles, no prescription card and doctor co-pay office visit coverage is not available.

If You Need Health Insurance in Cincinnati Contact Pathway Insurance at 513-662-7000.

Call 513-662-7000 for the best rates being offered on group health insurance in Cincinnati.

We represent all of the major health insurance companies in Cincinnati including one health insurance carrier that is not available for sale through any of the major health insurance brokers in Cincinnati.

Who Are Eligible for Group Health Insurance?

Group health insurance policies are purchased by employers for the benefit of their employees.

If you are looking to start a new business and you would like group health insurance there are some underlying requirements that you must meet as the employer to qualify for group health insurance.

If you do not own the business you are not eligible for group health insurance in Ohio unless you are an employee of a business that offers group health Insurance.

Can I Be Turned Down for Group Health Insurance for Medical Reasons?

Federal law requires that regardless of pre-existing medical conditions, small group members cannot be declined or rejected by an insurance provider for group insurance.

So in other words if an employee has a very serious medical condition, the group, or that individual can’t be turned down for coverage. However the insurance company can charge extra premiums for the entire group based on the general health condition of that employer group.

Essentially what that means is that group health insurance policies in Cincinnati will be medically underwritten by the insurance company to determine what their base premium will be.

Do You Need Group Health Insurance in Ohio?

For great group health insurance rates in Ohio Contact Pathway Insurance at 513-662-7000.

(If you are looking for Progressive Insurance in Cincinnati call 513-662-7000, or click here to receive car insurance quotes from Progressive Insurance in Cincinnati.)

Is this Truth, Fiction or Somewhere in Between?

It is true, but there’s something that they are not telling you in these catchy advertisements.

The spokeswoman named Flo states confidently that we are the only company who lets you name your own price. 

What she doesn’t tell you in the television advertisement is that you could name your own price with any insurance company!

How could you name your own price with any insurance company selling car insurance in Cincinnati?  Simply tell the company or agent how much you want to spend!  It’s as simple as that! 

When you obtain Progressive car insurance quotes in Cincinnati using Progressives website, you can use a slide bar that you move to the left to reduce your price.  At the same time your coverage is reduced and your deductibles are increased.

Do you recall the Allstate Insurance Mayhem commercials we discussed in our last article?  Allstate Insurance in Cincinnati is running a very clever advertisement campaign that directly slams on Progressives name your own price marketing gimmick.

Dean Winters is the random windstorm and after he plummets to the ground smashing a car flat he states: 

“If you named your own price on car insurance you could be picking up this tab yourself!” 

In our next article will discuss an example of how you could get burned financially when you name your own price on insurance in Cincinnati.

Insurance without the Disclaimers, Fine Print or Catches™

Contact our Independent Insurance Agency in Cincinnati

513-662-7000 or write Jack@pathwayinsurance.net

Click here for online insurance quotes in all 50 states.

We directly offer the following insurance policies from Pathway Insurance

Auto insurance in Cincinnati, Homeowners insurance in Cincinnati, Business insurance in Cincinnati, Health insurance in Cincinnati, Commercial auto insurance in Cincinnati, Life insurance in Cincinnati.

Copyright 2010 Jack F Thomas & Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Jack F Thomas or Pathway Insurance Services, Inc. is unlawful.