Springboro, OH, November 07, 2008 --(PR.com
)-- Ed Harris, founder of OhioQuotes.com, has used his 28 years of experience in the business to provide a list of valuable tips when shopping for Ohio health insurance plans.
For Ohio residents, there are hundreds of websites that will provide a health insurance quote. And most will include the major companies in their searches, such as Anthem, UnitedHealthCare, Humana and Aetna. Additional company quotes, such as Assurant, American Community Mutual and Celtic are also sometimes featured.
But in many cases, the quote may not be accurate, especially if the site is using a “quote engine.” Traditionally, these “quote engines” are programmed to show the lowest available rate despite the fact that the applicant will not qualify for these rates. Thus, someone with a combination of cancer, diabetes and heart disease will be quoted a rate equal to that of someone in perfect health.
Also...some companies have very high "complaint ratios" (as calculated by The Ohio Dept. of Insurance). Another legitimate concern are the ratings of each company, as provided by A.M. Best Company. OhioQuotes takes these factors into consideration when making a reccomendation.
Ohioquotes.com provides these tips:
Always deal with a local Ohio broker - out-of-state agents may not know the details of Ohio plans and could very well recommend the wrong plan. Also, they may not be aware of recent changes in Ohio rates or underwriting.
Do not give anyone billing information over the phone until you have had a chance to review the plan on your own. If the plan is not in writing, then stay away from the offer.
Do not feel pressured. If any agent is making a client uncomfortable or asks for personal information...that should be the end of the relationship.
Ask how many years the Ohio broker has in been in the business. If the number is less than 10, move on.
Don’t buy directly from the company. The exact same rate is available from a broker, but without the bias.
For a free Ohio health insurance quote, visit http://www.ohioquotes.com