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Ohio Health Insurance

Health insurance these days are mainly classified into two broad categories: individual and group. Those who prefer to opt for individual insurance are mainly self-employed, or are employed by a company that does not have provision of a health plan, or who have a family and who want individual insurance for their family members. When you buy an individual insurance policy, you are required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you settle for a group policy instead, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurance company begins paying for your valid medical bills.

In Ohio, health problems can deny you individual health coverage, except during open enrollment periods when insurers must offer either standard or basic plans. HIPAA eligible people are guaranteed the right to a standard or basic plan at any time. In case you have a pre-existing condition, insurers have the right to impose an elimination rider to the policy. They can also seek an exclusion period of not more than one year at the beginning of new coverage. If you have had continuous coverage of 30 days without any lapses, you are entitled to creditable coverage. Pregnancy can be considered a pre-existing condition, but not genetic information.

In Ohio, if you are qualified, insurers cannot deny you group health insurance or slap additional charges if you have a health problem. There are additional regulations in Ohio for newborn, adopted, and disabled children. A new employer is allowed to seek a waiting period for offering group coverage. An HMO may also impose an affiliation period before coverage begins. Insurers are allowed a look back period for reviewing your medical history of six months prior to insurance coverage. If you are found to have a pre-existing condition, they may impose an exclusion period of not over 12 months before coverage begins. If you have had continuous coverage with no lapses for 63 days, qualify for creditable coverage.

In Ohio, an employer employing two to 50 employees cannot be denied small group health insurance, nor can the insurance be cancelled due to sickness within the group. In the northeast region of Ohio, a business with two to 250 employees can join a purchasing pool for group health insurance. You should contact the Ohio Department of Insurance for regulations that govern such alliances and associations. Ohio does not allow self-employed people to purchase group coverage.

In Ohio, there are several programs in operation, such as Medicaid, Best Rx Program, and Breast and Cervical Cancer Prevention Project.

Selection of the right quotes is never easy, so you should do some homework before making a final decision. In any case, it is always better to appoint professional health
insurance agents and brokers in this regard.

Among the prominent health insurance providers in Ohio are Aetna, American Medical Security, Anthem Blue Cross and Blue Shield of Ohio, Assurant Health (formerly Fortis),
Celtic, Fairmont Specialty Group, Guardian, Humana, Midwest Security, Security Life, UnitedHealthcare and UNICARE.

 

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Ohio Health Insurance information on Official State Government Sites

State of Ohio Department of Insurance Homepage – The State of Ohio's department of insurance provides official information all types of insurance.

Ohio Shopper's Guide to Health Insurance & HMOs in PDF format -- This guide describes the difference between individual and group coverage, examines Ohio's minimum coverage requirements and explains managed care plans. You will also find information on what to do if you change jobs or have a baby. We have information regarding your rights as a consumer and the responsibilities of insurance carriers conducting business in Ohio.

Ohio Shopper's Guide to Medicare Supplement Insurance and Medicare Options –Explains how health insurance coverage under Medicare works in conjunction with supplemental insurance policies and Medicare Advantage plans. Describes how and when to apply for Medicare as well as for other insurance that works with Medicare. Informs about the scope of coverage under Medicare and related health plan coverage. Answers common questions and gives shopping tips. Offers sample company premiums for supplemental policies based on your current age. Shows sample coverage, premiums, and service areas for Medicare Advantage plans.

Consumer complaint ratio on different health insurance plans -- A PDF document from the State of Ohio showing the ratio of consumer complaints on various health insurance plans, and more. Biggest complaints seem to be for Vantage and Physicians Mutual, neither of which are offered on this site.

Ohio Department of Health main page. Deals with many issues affecting health care delivery in Ohio.

Ohio HIPAA information – Describes what the State of Ohio is doing to comply with requirements of the federal Health Insurance Portability and Accountability Act.

Ohio Department of Mental Health -- Each year, Ohio’s community mental health systems provide services to more than 260,000 people, including 75,000 adults who are disabled by severe mental illness and 70,000 children with emotional disorders. More information at the department's Web site.

Specific Ohio health insurance information on Federal government sites

National Mental Health Information Centers listing of Ohio Mental Health Resources published by the United States Department of Health and Human Services

Ohio population statistics from the US Census Bureau, 2000 Census.


For more information on medically uninsurable, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526 or (614) 644-2658, or the Department’s website at www.ohioinsurance.gov.

 

 

 

Cities in Ohio where Insurance can be purchased: Akron, Alliance, Amherst, Ashland, Ashtabula, Athens, Aurora, Avon, Avon Lake, Barberton, Batavia, Bay Village, Beachwood, Beavercreek, Bedford, Bedford Heights, Bellbrook, Bellefontaine, Bellevue, Belpre, Berea, Bexley, Blue Ash, Bolivar, Bowling Green, Brecksville, Broadview Heights, Brooklyn, Brook Park, Brookville, Brunswick, Bryan, Bucyrus, Cadiz, Caldwell, Cambridge, Campbell, Canal Fulton, Canfield, Canton, Carlisle, Carrollton, Celina, Centerville, Chardon, Cheviot, Chillicothe, Cincinnati, Circleville, Clayton, Cleveland, Cleveland Heights, Clyde, Columbiana, Columbus, Conneaut, Cortland, Coshocton, Crestline, Cuyahoga Falls, Dayton, Deer Park, Defiance, Delaware, Delphos, Dover, Dublin, East Cleveland, Eastlake, East Liverpool, East Palestine, Eaton, Elyria, Englewood, Euclid, Fairborn, Fairfield, Fairlawn, Fairview Park, Findlay, Forest Park, Fostoria, Franklin, Fremont, Gahanna, Galion, Gallipolis, Garfield Heights, Geneva, Georgetown, Girard, Grandview Heights, Green, Greenfield, Greenville, Grove City, Hamilton, Harrison, Heath, Highland Heights, Hilliard, Hillsboro, Hubbard, Huber Heights, Hudson, Huron, Independence, Indian Hill, Ironton, Jackson, Jefferson, Kent, Kenton, Kettering, Kirtland, Lakewood, Lancaster, Lebanon, Lima, Lisbon, Logan, London, Lorain, Louisville, Loveland, Lyndhurst, Macedonia, Madeira, Malta, Mansfield, Maple Heights, Marietta, Marion, Martins Ferry, Marysville, Mason, Massillon, Maumee, Mayfield Heights, McArthur, McConnelsville, Medina, Mentor, Mentor-on-the-Lake, Miamisburg, Middleburg Heights, Middletown, Milford, Millersburg, Monroe, Montgomery, Moraine, Mount Gilead, Mount Healthy, Mount Vernon, Munroe Falls, Napoleon, Nelsonville, Newark, New Albany, New California, New Carlisle, New Lexington, New Philadelphia, Newton Falls, Niles, North Canton, North College Hill, North Olmsted, North Ridgeville, North Royalton, Northwood, Norton, Norwalk, Norwood, Oakwood, Oberlin, Olmsted Falls, Ontario, Oregon, Orrville, Ottawa, Oxford, Painesville, Parma, Parma Heights, Pataskala, Paulding, Pepper Pike, Perrysburg, Pickerington, Piqua, Pomeroy, Port Clinton, Portsmouth, Powell, Ravenna, Reading, Reynoldsburg, Richmond Heights, Rittman, Riverside, Rocky River, Rossford, St. Bernard, St. Clairsville, St. Marys, Salem, Sandusky, Seven Hills, Shaker Heights, Sharonville, Sheffield Lake, Shelby, Sidney, Silverton, Solon, South Euclid, Springboro, Springdale, Springfield, St. Clairsville, Steubenville, Stow, Streetsboro, Strongsville, Struthers, Sylvania, Tallmadge, Tiffin, Tipp City, Toledo, Toronto, Trenton, Trotwood, Troy, Twinsburg, Uhrichsville, Union, University Heights, Upper Arlington, Upper Sandusky, Urbana, Vandalia, Van Wert, Vermilion, Wadsworth, Wapakoneta, Warren, Warrensville Heights, Washington Court House, Waterville, Wauseon, Waverly, Wellston, West Carrollton, Westerville, Westlake, West Union, Whitehall, Wickliffe, Willard, Willoughby, Willoughby Hills, Willowick, Wilmington, Woodsfield, Wooster, Worthington, Wyoming, Xenia, Youngstown and Zanesvilles.


Countries in Ohio where health insurance can be purchased: Adams County, Allen County, Ashland County, Ashtabula County, Athens County, Auglaize County, Belmont County, Brown County, Butler County, Carroll County, Champaign County, Clark County, Clermont County, Clinton County, Columbiana County, Coshocton County, Crawford County, Cuyahoga County, Darke County, Defiance County, Delaware County, Erie County, Fairfield County, Fayette County, Franklin County, Fulton County, Gallia County, Geauga County , Greene County , Guernsey County , Hamilton County , Hancock County , Hardin County , Harrison County , Henry County , Highland County , Hocking County , Holmes County , Huron County , Jackson County , Jefferson County , Knox County ( ), Lake County , Lawrence County , Licking County , Logan County , Lorain County , Lucas County , Madison County , Mahoning County , Marion County , Medina County , Meigs County , Mercer County , Miami County , Monroe County , Montgomery County , Morgan County , Morrow County , Muskingum County , Noble County , Ottawa County, Paulding County , Perry County , Pickaway County , Pike County , Portage County , Preble County , Putnam County , Richland County , Ross County , Sandusky County , Scioto County , Seneca County , Shelby County , Stark County , Summit County , Trumbull County , Tuscarawas County , Union County , Van Wert County , Vinton County , Warren County , Washington County , Wayne County , Williams County , Wood County , Wyandot County.

 

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