Health Insurance

Leland Smith Insurance Agencies issue policies for the health insurance companies listed on this page. Contact us so that we may help pick the company and policy that is best for you!

All three are medical charges you must pay out of your own pocket, even if you have insurance. Your deductible is the initial amount you must pay each year for covered health services before your insurer will start to chip in. Plans may have separate individual and family deductibles and/or deductibles for separate services such as hospitalization.

A copayment is a fixed amount you pay toward each medical service, such as $25 for a checkup.

Coinsurance is a fixed percentage, rather than a flat amount, that you pay toward each service.

The Patient Protection and Affordable Care Act, commonly known as Obamacare, was signed into law by President Barack Obama on March 23, 2010. It includes a broad range of reforms designed to make health insurance better and more affordable, rein in health costs and expand coverage among America's nearly 50 million uninsured. The act requires most Americans to have health insurance or face a penalty. It also makes it illegal for insurers to set dollar limits on coverage, drop you if you get sick or charge more or deny coverage because of a pre-existing condition.

The Affordable Care Act's "individual mandate" requires all Americans, with a few exceptions, to have health insurance that typically offers "minimum essential coverage." Going without insurance could bring a tax penalty. For 2014, that penalty is 1 percent of your annual income or $95, whichever is higher, and $47.50 for each uninsured child, to a family cap of $285. The penalty increases to the greater of 2.5 percent of income or $695 per person by 2016. The penalty will show up as an additional tax or a reduction in your federal tax refund.

Apply Online

Both Ohio and Indiana residents can apply for coverage online through Anthem or Medical Mutual.

Ohio Medical Mutual Applicants
(Not available for Indiana applicants)

As always, please don't hesitate to give us a call or stop by if you have questions.


Individual Health Insurance products available include:

  • Individual Health
  • Medicare Supplements
  • Long Term Care
  • Short Term Health
  • Disability
  • Dental
  • Vision

Group Health Insurance products available include:

  • Health
  • Dental
  • Vision
  • Disability
  • Self Funded
Anthem Guardian
Medical Mutual