health insurance

Ohio residents are afforded certain protection when buying health insurance from a state licensed insurer as a result of standards put in place by the Ohio Department of Insurance. Below are some of the standards you should be aware of when buying insurance:

Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatient or outpatient

Mental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment. This ap...

Ohio residents are afforded certain protection when buying health insurance from a state licensed insurer as a result of standards put in place by the Ohio Department of Insurance. Below are some of the standards you should be aware of when buying insurance:


Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatient or outpatient




Mental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment. This applies only if the policy covers in hospital treatment of mental illness.


Kidney dialysis : If an insurer provides coverage for dialysis in a hospital, it must also provide the same coverage for dialysis on an outpatient basis.




Specific practitioners : Health policies in Ohio cannot discriminate against particular health professionals. It must pay any licensed professional who legally performs a service. This includes Chiropractor, dentist, nurse-midwives, Mechanotherapists, osteopaths, Optometrists, Podiatrists, Psychologists




Generic drug use : If a policy covers prescription drugs, it must pay for any legally approved drug prescribed by your doctor even if it has not been approved by the government for treating your particular medical problem or disease.




Pregnancy and Maternity : Insurance companies do not have to offer maternity benefits, However, when it is provided, it may never be considered a pre-existing condition. Although, under certain conditions, an insurer may impose a 270-day waiting period before providing maternity benefits.




Mammograms: Every major medical policy group and individual must cover mammograms for breast cancer screening in adult women.




The frequency varies depending on age:




Age: 35-39 One only




Age: 4-49: One every two years unless your doctor has reason to believe you are a high risk for breast cancer




Age 50-64: one a year.




This is subject to a maximum of $85 per covered mammogram.




Please view our recommended insurance quote companies below. They are also great sources for information about rates and coverages for most of the lower 48 states.

One-Year Annual Point-to-Point car insurance

The monthly point-to-point index change is determined by subtracting the prior month’s index value from current month’s index value and dividing it by the prior month’s index value. If this results in a positive monthly point-to-point index change and is not more than the declared cap, then it is used as the capped index change for that month. If it is more than the declared cap, then we use the declared cap as the capped index change for that month.



The monthly point-to-point index change is determined by subtracting the prior month’s index value from current month’s index value and dividing it by the prior month’sindex value. If this results in a positive monthly point-to-point index change and is not more than the declared cap, then it is


used as the capped index change for that month. If it is more than the declared cap, then we use the declared cap as the capped index change for that month.




A negative monthly point-to-point index change is not subject to a cap.




A “capped index change” for each month is captured over a 12-month period. The sum of the 12 monthly “capped index changes” will be the index credit rate on the index crediting date. The index credit rate is multiplied by the option’s account value to determine the index credit.




One-Year Annual Point-to-Point




The annual point-to-point index change is determined by subtracting the prior year’s index value from the current year’s index value and dividing it by the prior year’s index value. If this results in a positive annual point-to-point index change and is not more than the declared cap, then it is used as the index change for that year. If it is more than the declared cap, then we use the declared cap as the index change for that year.




A negative annual point-to-point index change is not subject to a cap. The index change will be the index credit rate on the index crediting date. The index credit rate is multiplied by the option’s account value to determine the index credit.




Participation Rate




The participation rate may very greatly from one annuity to another and from time to time within a particular annuity. Therefore, it is important for you to know how your annuity’s participation rate works with the indexing method. A high participation rate may be offset by other features, such as simple interest, averaging, or a point-to-point indexing method. On the other hand, an insurance company may offset a lower participation rate by also offering a


feature such as an annual reset indexing method.




Annual Point-to-Point




The index-linked interest, if any, is based on the difference between the index value at the end of the one year term and the index value at the start of the one year term. Interest is added to your annuity at the end of the one year annual reset term.




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How Can I Compare Life Insurance Quotes?

To get the best life insurance rates you need to get a few quotes and then compare the life insurance quotes that you have. But it’s not just about price. There’s more to compare than just price.


The online life insurance companies offer a free service where you can request a free quote for your life insurance needs. This enables you to compare life insurance quotes to see where you can save money with one over the other. To compare life insurance quotes, all you have to do is request a quote from as many companies as you wish and them compare the terms, the premiums, death benefit and clauses contained in each one.




There are also internet sites where you can compare life insurance quotes from up to five different companies at one time. This saves you the time of having to wait for each quote to come in and then print each one off to compare the best rates. The reason for comparing the quotes on life insurance is to make sure you do get the best rates on life insurance. This lets you get the best possible death benefits at the lowest possible premiums.




There is no problem with entering your information on the online life insurance company websites. These companies are looking for your business and are therefore secure sites. Your personal information will not become part of the public domain when you want to compare life insurance quotes. The company does have your best interests at heart and does want to have you as a customer.




To get the best rates on life insurance you need to look at the companies themselves. Choose life insurance companies with a proven track record. This way you know that when you compare the life insurance quote, an agent has checked it and that you won’t run the danger of the company going out of business. Just remember that you do have to look at the length of the term to get an overall picture of the best rates on life insurance. A longer term with low monthly premiums means you won’t have to start your search for the best rates again in the near future.




The best rates are ones that you can afford. You should start out with an amount that you can afford each month and then compare life insurance quotes that come close to that amount. You may have to revise the amount of the life insurance and the length of the term to get the best rates that fit your budget. You can always upgrade to a longer term, a higher payout or even whole life insurance when you can afford it.




To get the best life insurance rates you need to get a few quotes and then compare the life insurance quotes that you have. But it’s not just about price. There’s more to compare than just price.