How to Not Get Scammed Buying Health Insurance

Oct 28, 2016 3:28:19 PM

If you’re not completely sure what you bought, there’s a good chance it isn’t real health insurance.

I’ve been selling health insurance for seven years, which has covered pre and post Obamacare policies.

The one thing that has remained constant is the fly by night indemnity plans that prey on your confusion and desperation.

I’ve lost count over the years the number of people who I’ve had to break the news to that they didn’t actually buy a full on health insurance policy.

This, as you would imagine comes with a decent amount of shock and surprise that something like that could happen.

As an attempt to help you avoid the mistakes of those people and me not wanting to tell you your health insurance is fake, here’s everything you need to look out for.

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The Best Health Insurance Companies in Ohio for 2016

Apr 6, 2016 10:09:03 AM



You’re trying to make sense of all the different health insurance companies that are available to you when buying health insurance in Ohio.

But trying to figure out the difference is trickier than watching a magic trick without your glasses on.

Don’t worry, since Obamacare went into effect back in 2014 I’ve helped hundreds of people every year make sense of which health insurance companies are worth paying attention to each year.

The sad part about finding the “best” health insurance company is that there aren’t that many.

Note: I just want to be clear that this list is for companies providing health insurance to individuals and family and NOT to businesses.
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Medical Mutual's Market 1750 (Silver) Health Insurance Plan Explained

Dec 10, 2015 11:11:31 AM

You’re probably getting close to picking a health insurance plan, but you just want to make sure you know everything you can about it first.

That’s smart.

Being an independent insurance agent, clients ask me all the time to tell them what plan is the best for them.

Unless you know all the details, it’s hard to get a good answer. Lucky for you we’re going to go over all those details right now.

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Medical Mutual's Market 4000 HSA (Silver) Explained

Nov 30, 2015 3:40:59 PM

Making that final choice between health insurance plans is never easy. There’s always that thought in the back of your head that’s telling you, “maybe I’m missing something?” or “What don’t I know about this plan?”

Don’t worry, it’s normal.

That’s why I wanted help you sleep better tonight and go over line by line Medical Mutual’s 4000 HSA (Silver) plan.

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Medical Mutual Vs. Anthem Blue Cross Blue Shield Vs. CareSource: Networks

Nov 17, 2015 6:08:09 PM

You’re trying to decide what health insurance company is right for you. In doing that you’ve discovered that means you have to know which doctor and hospital network is right for you.

Since the start of open enrollment for 2016 on November 1, I’ve been asked the same questions over and over again about these three companies and their network of doctors and hospitals, or lack thereof.

So today I’m going to do what I do best and provide this answer for you in as much detail as possible. This three way comparison should leave little doubt which company will be right to handle your health insurance in 2016.

We’re going to work our way up and save the best for last.

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The Best Health Insurance Plans in Ohio for 2016

Oct 25, 2015 9:29:35 AM

When you're buying something important you want to make sure you’re getting the best that you can afford. Right now you might be having a hard time finding someone who can tell you what the best is for your health insurance.

Don’t worry, your search can finally come to an end.

My job here at Giangola Insurance is to help identify the “best” plan for you. It’s a question I helped hundreds of people answer every year.

Since Obamacare officially kicked in two years ago, this list has been pretty short. So short that it only featured plans from one health insurance company.

This year I’m relieved to finally be able to put another name on the board.

Let’s get into the list.

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PPO Vs. HMO: What's the Difference and Which is Better?

Oct 13, 2015 11:55:07 AM

You might be starting to go a little cross-eyed after looking at so many different health insurance plans. During your extensive search you might have noticed these three letters that keep showing up next to “Plan Type.” PPO and HMO

This is a question I’ve probably been asked over 1,000 times by people. Here at Giangola Insurance every year during open enrollment I help hundreds of clients make decisions just like this one.

If you want to know the answer to the question is a PPO or HMO better? All you have to do is ask yourself the question do you want the option to see more or less doctors?

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Medical Mutual of Ohio Vs. Anthem Blue Cross Blue Shield: Who is Better?

Nov 14, 2014 5:00:00 AM

This is the first in a series of posts that will compare all of Ohio’s top insurance companies side-by-side to take a look at the strengths and weakness of each company and how they compare to one another.

There’s no better place to start than with the top two insurance companies (in my opinion) Ohio has to offer.

There’s a very good chance as you start, continue or finish your search for the right health insurance company, you will almost certainly be considering one of these two.

But what do you need to know about each of them to make the most informed health insurance decision you can?

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Is the Price of Health Insurance in Ohio the Same Wherever You Buy It?

Oct 6, 2014 6:39:00 AM

Today I show up in front of you with my hat in hand, I have to go back on something I’ve been telling you for as long as I’ve been in the business.

You see, I’ve always told you that it doesn’t matter who, where or when you buy your health insurance from.

You’re ALWAYS going to pay the same price for the same plan, no matter what.

It was one of the things I took the most pride in telling you.

That statement stopped being true several months ago and without me even knowing it.

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Will You Lose Your Obamacare Subsidy for Your Ohio Health Insurance?

Jul 24, 2014 10:27:00 AM

Before we go anywhere, the first thing I need to say is, I don’t know.

It’s impossible to predict what the courts will do with the latest legal/political squabble over the Affordable Care Act (Obamacare).

What I can say is that you are not losing your subsidy right now and it should stay in place while this debate works its way up the courtroom ladder.

That’s the good news.

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