Medicaid is paid for by federal and state taxes. If you get Medicaid, your friends, neighbors, and fellow citizens are paying for your health care with their tax dollars. Although Medicaid is government health insurance, the vast majority of care provided to Medicaid recipients is provided by private businesses and health care providers. If you get Medicaid, you’ll likely be cared for at the same hospitals and by the same physicians as your neighbors with private health insurance are.
The Affordable Care Act (ACA) has made it easier for more people to get health insurance. If you don’t have health coverage through your employer, there are several ways to shop for health insurance. Health coverage can be purchased from an agent, an insurance company or the Health Insurance Marketplace. You may also qualify for Medicaid or Medicare.
You'll have plenty of options when choosing a group dental plan for your small business. Most group dental plans include free cleanings and regular checkups. As always, there is no extra cost for buying group dental insurance through eHealth instead of directly through the insurer. You'll have the flexibility to compare a wide selection of dental plans from various insurers.
The federal government's HealthCare.gov website has links to state health insurance marketplaces. If your income qualifies you for premium discounts or lower out-of-pocket costs, the only way to get them is by purchasing a health plan through the marketplace. Fill out the application to see if you're eligible for financial assistance and to compare health plans from private insurance companies in your area.
Regular eye exams are important to you and your family's health, and they can help detect health problems and other conditions, like diabetes and glaucoma. Our affordable vision plan provides coverage for exams and eyewear or contact lenses. Like our dental plans, you can buy a stand-alone vision plan, or you can add vision coverage to a Medical Mutual individual health insurance plan.
If you're looking for a middle ground—health insurance with both affordable premiums and out of pocket expenses—we typically recommend looking at Silver plans. Silver health insurance plans have lower out-of-pocket costs than Bronze plans, but cheaper monthly premiums than the Gold or Platinum policies. In addition, if you have a lower income household, Silver plans are eligible for cost-sharing reduction subsidies (CSR), meaning you may qualify for an even more affordable rate.
Since 1934, Ohioans have trusted Medical Mutual to help provide peace of mind. We’re one of the state’s largest health insurance companies offering an array of excellent health insurance plans that can meet your needs and your budget. You may even qualify for a subsidy from the federal government to help you pay for your plan. Use our subsidy calculator to help you determine if you do.
You can apply for coverage during the open enrollment period that runs from Nov. 1 through Dec. 15 in most states, including those using healthcare.gov. Coverage through a marketplace plan takes effect on Jan. 1, 2019. After Dec. 15, you may only sign up for a plan under special circumstances. Open enrollment in states that run their own marketplaces depends on the state. Seven states—California, Colorado, DC, Massachusetts, Minnesota, New York, and Rhode Island—have extended open enrollment beyond Dec. 15, 2018. Check with your state marketplace for details.
Our short-term health insurance plans can help you bridge the gap in your healthcare coverage for up to three months when you're going through a transition. Short-term plans can save you money, but they aren't compliant with the Affordable Care Act and they don't have coverage requirements. Pre-existing conditions aren't covered and you will be subject to medical questions and Underwriting approval.
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.