News
News Home
Quick Bites
Exploradio
News Archive
News Channel
Special Features
NPR
nowplaying
On AirNewsClassical
Loading...
  
School Closings
WKSU Support
Funding for WKSU is made possible in part through support from the following businesses and organizations.

Cedar Point

Wayside Furniture


For more information on how your company or organization can support WKSU, download the WKSU Media Kit.

(WKSU Media Kit PDF icon )


Donate Your Vehicle to WKSU

Programs Schedule Make A Pledge Member BenefitsFAQ/HelpContact Us
Health and Medicine


Ohioans have a lot to consider when looking for health insurance
Lee Nathans, vice president of the Ohio Association of Health Underwriters, explains the aspects of health insurance Ohioans should look in to
by WKSU's STATEHOUSE CORRESPONDENT JO INGLES


Reporter
Jo Ingles
 
Vice president of the Ohio Association of Health Underwriters Lee Nathans says the type of pharmacy network is among the things that should be considered when choosing a health care plan.
Courtesy of Columbus Association of Health Underwriters
Download (WKSU Only)
In The Region:

Ohioans are starting to check out health care insurance options on the federal exchange. In an interview with Ohio Public Radio’s Jo Ingles, the vice-president of the Ohio Association of Health Underwriters Lee Nathans explains what Ohioans should consider when choosing an insurance policy.

LISTEN: Jo Ingles reports on the various health insurance options

Other options:
Windows Media / MP3 Download (2:08)


Nathans: "The Affordable Care Act provides that there will be no medical underwriting for plans that take effect after January 1, 2014 so no one should be precluded from getting health care coverage as of that date. Additionally and looking at the appropriateness of a plan, one should consider not only the networks but also drug plans that would be available on each individual plan offering. Prescription drug benefits are required as an essential health benefit as part of the affordable care act so all plans that will be offered on the exchanges and off the exchanges will be required to offer prescription drug benefits. In considering the appropriateness of a prescription drug plan, one should consider the specific name of the medication that they are taking, the dosage of the medication they are taking and the term that the prescription is written for. Some prescriptions may be written for 30 days at which time they would be filled by a neighborhood pharmacy. Others may be for a 90 day term at which point they would be required to be filled by mail order."

Q: "And that could make a difference to someone as far as which plan is right for them?"

A: "Absolutely. And someone should also consider what type of pharmacy network would be considered in the individual health plan and make certain that their pharmacy is going to be included within that network."

Q: "Now we know there are different plans ranging from the bottom with the bronze plan and the top with the platinum plan. If you go with one of the higher level plans, are you pretty much assured of getting a lot of flexibility and a lot of coverage?"

A: "Well that’s an interesting point because even though the gold and platinum plans would seem to have less out of pocket exposure for any individual, it may be appropriate for them to also consider a silver plan, depending on what their income is. Because the silver plans, depending on what the income level would be, offer co-insurance and deductible assistance for those individuals who are at 250 percent or lower of federal poverty level. They are going to be a bit more expensive than the bronze plans which are the lowest cost plans but in effect, even paying a bit more on premium for a silver plan may work to any individual’s advantage if they are getting cost sharing assistance for their deductibles and their co-payments."

Nathans also says Ohioans can consult an independent insurance broker for help in comparing plans. And he says there are plans available that are not on the federal exchange that might be better options for some Ohioans.
Add Your Comment
Name:

Location:

E-mail: (not published, only used to contact you about your comment)


Comments:




 
Page Options

Print this page

E-Mail this page / Send mp3

Share on Facebook




Stories with Recent Comments

FitzGerald isn't giving up, but many Stark voters are worried, wary and weary
SB5 stands for "Snow Ball 5" because voters have about a snow ball's chance of remembering what it was.

Columbus groups are trying to pass a Bill of Rights to combat fracking
Its about time we make a stand against the criminal actions of an entire Indsutry.

Crystal Ball says Ohio governor's race is done
How much is the Kasich campaign paying you to keep repeating the phrase "woman who is not his wife"? Fitzgerald was in the car with a friend who happens to be f...

Plane that crashed killing Case students is a popular training aircraft
The following is incorrect. The last few words should read "UNDER maximum gross take-off weight." “They have a normal take-off speed and all those take-off...

Exploradio: The never-ending war against superbugs
Super Federico ,we are so proud of you ,and very lucky to be among your friends . Keep it up human kind needs people like you to survive .Thanks for being so d...

Ohio's Lyme disease-carrying tick population is exploding
Interesting report. The last sentence needs some editing. It isn't a good idea to "save garments carrying ticks for analysis." The garments carrying t...

Teach for America enters third year in Ohio
For more background on TFA, check out http://reconsideringtfa.wordpress.com/

Faith leaders hold week-long prayer vigil at Ohio Statehouse
I think this is the wrong link to the audio. Its Andy Chow about cigarette taxes.

A $30 million plan to turn Cleveland's Public Square from gray to green
The current plan is for the Land Bank, RTA, and Mr. Jeremy Paris to run a bus line through the new Public Square and cutting the park in half. Save Public Squar...

Medina County residents question safety of proposed natural gas pipeline
I'm very concerned about this nexus project. I've received mail requesting my permission to allow the company to survey my property. I don't understand how thi...

Copyright © 2014 WKSU Public Radio, All Rights Reserved.

 
In Partnership With:

NPR PRI Kent State University

listen in windows media format listen in realplayer format Car Talk Hosts: Tom & Ray Magliozzi Fresh Air Host: Terry Gross A Service of Kent State University 89.7 WKSU | NPR.Classical.Other smart stuff. NPR Senior Correspondent: Noah Adams Living on Earth Host: Steve Curwood 89.7 WKSU | NPR.Classical.Other smart stuff. A Service of Kent State University