Ohio Individual Health InsuranceOhio Individual Health Insurance According to the Center for Disease Control, between 2001 and 2003, an average of 11.7% of Ohio residents went uninsured for health insurance each year. For many of these people living in Ohio, low cost health insurance, health insurance for the self employed Ohio, or health insurance meeting their particular situation may have been difficult to find. There are resources for individual health insurance in Ohio; start the process for your free quote below. Ohio Health Insurance RegulationsAccording to the Ohio health insurance laws, individuals covered under an employer’s health insurance cannot be denied or limited coverage under that policy. Individuals seeking individual Ohio medical insurance plans, however, can be denied and limited access based on health and other factors. Ohio health insurance companies are required to have an open enrollment period during the year in which any individual is guaranteed the right to purchase health insurance regardless of health or other risk-factors. During this time Ohio health insurers must offer each individual either a basic or a standard plan, but there are limits to how many individuals can gain access to guaranteed issue policies. Pre-Existing ConditionsInsurance companies offering health insurance in Ohio can impose limitations on coverage through pre-existing condition policies as well as elimination riders. Any condition for which an individual received or should have received advice, treatment, or diagnosis in the six months prior to the beginning of coverage is considered a pre-existing condition. Ohio health insurance companies can deny coverage for these conditions for up to the first 12 months of the policy. Elimination riders permanently exclude coverage for certain conditions or body parts. Continuous coverage under Ohio health insurance can be credited towards future pre-existing condition exclusion periods. HMOs and HICs are not allowed to have pre-existing exclusion periods for basic health care services. PregnancyPregnancy can be considered a pre-existing condition and can exclude coverage for maternity. Guaranteed issue policies do not exclude coverage but other policies can exclude maternity coverage for the first 270 days of the policy even if the individual is not yet pregnant at the time of application. Newborns and adopted children are automatically covered under a parent’s health insurance policy for the first 31 days after birth or adoption assuming the parent’s health insurance policy covers dependents. Disabled children may be eligible to remain under a parent’s plan past the age at which most dependents are no longer covered. Insurance Policy RenewalsEach policyholder is guaranteed the right to renew existing Ohio individual health insurance policies provided they have not provided any false information and have paid all premiums on time. Ohio health insurance rates can vary for most plans based on health, age and other factors, but the guaranteed issue plan rates are regulated. Temporary Health InsuranceTemporary health insurance is also available through some Ohio health insurance companies to help cover periods of time between policies or plans. Some health insurance policies credit continuous coverage towards new pre-existing condition exclusion periods. Alternative Ohio Health Insurance OptionsFor people who have not found low cost individual Ohio health insurance that meets their budgets or specific needs, there are some state programs that can help:
Information on Ohio Health Insurance
Ohio Department of InsuranceOhio Department of Insurance: www.ohioinsurance.gov
The Ohio Department of Insurance
Consumer Hotline: 1-800-686-1526
Ohio Health Insurance OrganizationsAccording to the Ohio Department of Insurance, the following is a link to the list of Ohio health insurance companies and requirement for open enrollment periods during the year: www.ohioinsurance.gov According to the Ohio Department of Insurance, the following is a list of Ohio health insurance companies authorized to sell medical insurance in the state of Ohio:
AETNA HEALTH INC
AMERIGROUP OHIO INC
ANTHEM BLUE CROSS BLUE SHIELD PARTNERSHIP PLAN, INC.
BUCKEYE COMMUNITY HEALTH PLAN INC
CARELINK HEALTH PLANS, INC
CARESOURCE
CIGNA DENTAL HEALTH OF OHIO INC
CIGNA HEALTHCARE OF OHIO INC
DELTA DENTAL PLAN OF OHIO INC
DENTAL BENEFIT PROVIDERS OF MARYLAND INC
DENTAL CARE PLUS INC
FAMILY HEALTH PLAN INC
GATEWAY HEALTH PLAN OF OHIO, INC
GREAT-WEST HEALTHCARE OF OHIO INC
HEALTH PLAN OF UPPER OH VALLEY INC
HEALTHAMERICA PENNSYLVANIA INC
HOMETOWN HEALTH PLAN
HUMANA HEALTH PLAN OF OHIO INC
KAISER FOUNDATION HEALTH PLAN OF OHIO
MEDICAL HEALTH INSURING CORPORATION OF OHIO
MOLINA HEALTHCARE OF OHIO, INC
MOUNT CARMEL BEHAVIORAL HEALTHCARE COMPANY
MOUNT CARMEL HEALTH PLAN INC
PARAMOUNT ADVANTAGE
PARAMOUNT CARE INC
QUALCHOICE SELECT INC
SUMMACARE INC
SUPERIOR DENTAL CARE INC
UDC OHIO INC
UNISON HEALTH PLAN OF OHIO, INC
UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST INC
UNITED HEALTHCARE OF OHIO INC
VISION SERVICE PLAN
Whether you are looking for self employed health insurance in Ohio, low cost health insurance, or another particular type of Ohio individual health insurance, you are in the right place to get fast, free quotes on individual health insurance in Ohio. |