Ohio Individual Health Insurance
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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.
Free Quotes for Individual Health Insurance in Ohio
To receive your free quote on individual health insurance in Ohio, enter your zip code into the form below and click "Get My Quotes."
Ohio Health Insurance Regulations
According 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 Conditions
Insurance 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.
Pregnancy
Pregnancy 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 Renewals
Each 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 Insurance
Temporary 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 Options
For 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:
- Ohio Medicaid and Healthy Families are programs available to anyone, children, parents or individuals, who meets the eligibility requirements and qualifying criteria.
- Ohio’s Best Rx Program is designed to assist Ohio residents over age 60 who meet income requirements. This program assists in prescription drug coverage.
- Healthy Start is Ohio’s Children’s Health Insurance Program that is designed to provide health insurance coverage to children under 19 and some pregnant women whose families may not qualify for Medicaid and may not be able to afford Ohio medical insurance.
Information on Ohio Health Insurance
Ohio Department of Insurance
Ohio Department of Insurance: www.ohioinsurance.gov
The Ohio Department of Insurance
2100 Stella Court
Columbus, Ohio 43215-1067
(614) 644-2658
(614) 644-3743 (Fax)
Consumer Hotline: 1-800-686-1526
Fraud Hotline: 1-800-686-1527
OSHIIP Hotline: 1-800-686-1578
Ohio Health Insurance Organizations
According 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
980 Jolly Road, U11S,
P.O. Box 1109
Blue Bell PA 19422
330-659-8000 800-247-5472
AMERIGROUP OHIO INC
4425 Corporation Lane
Virginia Beach VA 23462
757-962-6452
ANTHEM BLUE CROSS BLUE SHIELD PARTNERSHIP PLAN, INC.
5151 -A CAMINO RUIZ
CAMARILLO CA 93012
805-647-5864
BUCKEYE COMMUNITY HEALTH PLAN INC
7711 Carondelet Ave Ste 800
Saint Louis MO 63105-3389
314-725-4477
CARELINK HEALTH PLANS, INC
500 VIRGINIA STREET EAST SUITE 400
CHARLESTON WV 25301
888-388-1744
CARESOURCE
ONE SOUTH MAIN STREET
DAYTON OH 45402
937-224-3300
CIGNA DENTAL HEALTH OF OHIO INC
P.O. BOX 189060
PLANTATION FL 33318-9060
954-423-5800
CIGNA HEALTHCARE OF OHIO INC
900 COTTAGE GROVE ROAD B-228
HARTFORD CT 06152
216-642-8969
DELTA DENTAL PLAN OF OHIO INC
P.O. Box 30416
Lansing MI 48909-7916
614-890-1117
DENTAL BENEFIT PROVIDERS OF MARYLAND INC
800 King Farm Blvd Ste 600
Rockville MD 20850
DENTAL CARE PLUS INC
100 Crowne Point Place
Cincinnati OH 45241
513-554-1100
FAMILY HEALTH PLAN INC
2200 JEFFERSON AVE. 6TH FLOOR
TOLEDO OH 43624
419-241-6501
GATEWAY HEALTH PLAN OF OHIO, INC
US STEEL TOWER- FLOOR 41
600 GRANT STREET
PITTSBURGH PA
GREAT-WEST HEALTHCARE OF OHIO INC
8505 East Orchard Road
Greenwood Village CO 80111
314-543-8388
HEALTH PLAN OF UPPER OH VALLEY INC
52160 National Road
St. Clairsville OH 43950
740-695-3585
HEALTHAMERICA PENNSYLVANIA INC
3721 TecPort Drive,
PO Box 67103
Harrisburg PA 17106-7103
800-788-6445 PA
HOMETOWN HEALTH PLAN
100 Lillian Gish Blvd.,
P.O. Box 4816
Massillon OH 44648
877-236-2289
HUMANA HEALTH PLAN OF OHIO INC
P.O. Box 740036
Louisville KY 40201-7436
513-784-5320
KAISER FOUNDATION HEALTH PLAN OF OHIO
1001 Lakeside Ave. Suite 1200
Cleveland OH 44114
216-621-5600
MEDICAL HEALTH INSURING CORPORATION OF OHIO
2060 East Ninth Street
Cleveland OH 44115-1355
216-687-7000
MOLINA HEALTHCARE OF OHIO, INC
ONE GOLDEN SHORE DRIVE
LONG BEACH CA 90802
614-781-4301
MOUNT CARMEL BEHAVIORAL HEALTHCARE COMPANY
211 West Johnstown Road
Gahanna OH 43230
614-337-7001
MOUNT CARMEL HEALTH PLAN INC
495 Cooper Road Suite 200
Westerville OH 43081
614-898-8750
PARAMOUNT ADVANTAGE
1901 INDIAN WOODS CIRCLE
MAUMEE OH 43537
419-887-2803
PARAMOUNT CARE INC
1901 Indian Wood Circle
Maumee OH 43537
419-887-2500
QUALCHOICE SELECT INC
6000 PARKLAND BLVD
CLEVELAND OH 44124
440-460-4045
SUMMACARE INC
P.O. Box 3620
Akron OH 44309-3620
330-996-8410
SUPERIOR DENTAL CARE INC
6683 CENTERVILLE-BUSINESS PARKWAY
DAYTON OH 45459
937-438-0283
UDC OHIO INC
P.O. Box 419052
Kansas City MO 64141-6052
651-361-4076
UNISON HEALTH PLAN OF OHIO, INC
300 OXFORD DRIVE
MONROEVILLE PA 15146
614-890-6850
UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST INC
4401 Deer Path Road
Harrisburg PA 17110
800-972-4191
UNITED HEALTHCARE OF OHIO INC
9200 Worthington Road
Westerville OH 43082-8823
614-410-7000
VISION SERVICE PLAN
3333 Quality Drive
Rancho Cordova CA 95670
916-851-5000
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.
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