There's still time to switch if you made a mistake! Many individuals and families without guidance are running into problems, mostly with networks, the first month owning the policy.
*Multiple Family Members on one policy, be sure to look at your deductible options AGGREGATE vs. EMBEDDED. Depending on your healthcare needs one is better than the other.
*Check your networks. They may be limited
State of Ohio Individual Policy Review -
Molina - STAY AWAY
CareSource - RUN!
Aetna - Competitive premiums, strong benefits, but be weary of the limited network. If you're okay with Mt. Carmel, you might be okay with an Aetna Policy. State Network.
Assurant - Premiums are expensive (1st or 2nd on the list) but mostly due to their offering of a National Network. This is tough to find these days and may be best fit for your child attending an out of state university.
Anthem - Similar to Aetna, their Pathway network is limited ("skinny"). The major difference, their premiums are expensive for the benefits offered. I would shy away from Anthem for 2015. State Network
Humana - Not very big in Columbus, you wont find many doctors who accept them. National network available, also resulting in higher premiums. Once they become more popular in the big Ohio cities I would consider them. For 2015, not your best option.
InHealth Mutual - One of my Favorite Insurance carriers. They are in it for the right reasons. A Non Profit Co-op, they put profits into beefing up benefits and reducing premiums. They offer a broad network, pick your choice of hospital if you need specialized care or surgery. Competitive premiums with great plan options. Very easy to work with. EMBEDDED Family Deductible on PPO's. State Network
Medical Mutual - They dropped their Gold and Platinum Plans for 2015 making the Silver Classic their strongest plan which includes limited Doctor copay visits to 3 per member. Their network is strong, but their family deductibles are all AGGREGATE. Competitively priced and great track history with their service. State Network
United Healthcare - Their navigate plus network works like your traditional HMO plan. Select a Doctor and get referrals for specialists. Might not be your preference. In addition they are extremely high with their premiums. Their hearts stand in the Employee Benefits world targeting small businesses with 2-99 employees. Until they shift their focus, I would pass on UHC.
Questions regarding your current plan / need help understanding your policy? Call us 614.431.4302 or email info@mosaicemployeebenefits.com
