| Costs for health insurance in Cleveland are | | | | |
| rising every year. In 2007 insurance costs | | | | * Healthy Families |
| rose 40%. And while premiums are rising, | | | | |
| coverages are falling, with you as the | | | | * Ohio Senior Health Insurance Information |
| insured paying ... | | | | Program |
| | | | |
| * Higher deductibles | | | | For more information about these programs |
| | | | visit the Ohio Department of Insurance |
| * Higher co-payments for doctor visits | | | | website at: ohioinsurance.gov |
| | | | |
| * Higher co-payments for prescription drugs | | | | Private Insurance |
| | | | |
| Is there any way to still find affordable | | | | Private insurance is an option for Cleveland |
| health insurance in Cleveland? | | | | consumers, but it tends to be more expensive |
| | | | than employee or state-sponsored insurance. |
| Lower-Cost Employer Health Insurance | | | | To help you save on private insurance, be |
| | | | sure to shop rates at an insurance comparison |
| To save costs, many employers are looking to | | | | website. Insurance companies have different |
| consumer-directed health care plans such as | | | | prices for similar insurance policies, and |
| Health Savings Accounts and High-Deductible | | | | you can save hundreds of dollars a year on |
| Health Plans. These plans offer insurance | | | | your health insurance by comparison shopping. |
| with low premiums and high deductibles | | | | |
| coupled with tax-exempt health savings | | | | When you go to an insurance comparison |
| accounts. | | | | website, you'll fill out a simple form with |
| | | | information about yourself and your health |
| Forty percent of Cleveland companies offer | | | | insurance needs. Soon after you submit your |
| these plans, including large employers such | | | | information you'll receive quotes from |
| as American Greetings. | | | | multiple A-rated insurance companies. You can |
| | | | look over the quotes and compare them for |
| State-Sponsored Options | | | | cost, benefits, and coverages, then choose |
| | | | the plan that fits your needs. |
| For the unemployed or lower-income Cleveland | | | | |
| residents, the state of Ohio offers several | | | | If you have any questions about your health |
| programs to help pay for insurance or medical | | | | insurance options, the best insurance |
| care. These programs include: | | | | comparison websites offer a chat feature. |
| | | | With this feature you can talk online with |
| * Healthy Start/SCHIP for children under age | | | | insurance professionals and get fast, |
| 19 | | | | accurate answers to your questions. |