Ohio Health Insurance Quotes

In Ohio, medical underwriting is allowed. There is a 6 month look back and 12 month exclusionary period for preexisting conditions except for HMO basic health service plans.

 

Ohio does not have a high risk pool. In Ohio, HMOs and insurers must hold annual open enrollment periods during which they must offer two specified products to all individuals until they meet enrollment caps.

 

 

For small groups in 2006, Ohio was one of the lower-premium states. According to America's Health Insurance Plans, the average monthly premium for a single in a small group was $296, while for a family it was only $776. In 2005, Ohio ranked 5^th in the percent of employers offering health insurance. In the same year, 97% of large groups offered health insurance to their employees, while only 55% of small groups offered coverage.

Ohio offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce. 

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Children

Children (ages 1-5)-200% of the Federal Poverty Level
Children (Ages 6-19)-200% of the Federal Poverty Level

 

Pregnant Women and Infants

Pregnant Women-150% of the Federal Poverty Level
Infants (ages 0-1)-20% of the Federal Poverty Level

 

Parents

Non-Working Parents-100% of the Federal Poverty Level
Working Parents-100% of the Federal Poverty Level

 

Other populations

Supplemental Security Income Recipients- 64% of the Federal

Poverty Level

 

Covered Services
Ambulance services, chiropractic services, community alcohol and drug addiction services, community mental health services, dental services, durable medical equipment, family planning, home health services, hospice, inpatient hospital services, laboratory and x-ray, nursing home care, nurse midwife, outpatient services, rural health clinics, federally qualified health centers, physical, occupational, and speech therapy, physician services, podiatry, prescription drugs, transportation, and vision care.

 

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

 

You may learn more about Ohio Medicaid at http://jfs.ohio.gov/Ohp/.

 

Ohio offers Ohio Healthy Start/Ohio Health Families to children whose family income is up to 200% of the Federal Poverty Level, parents whose family income is up to 100% of the Federal Poverty Level, and pregnant women whose income is up to 150% of the Federal Poverty Level. Applicants must be residents of Ohio and have a Social Security number. Please visit the Healthy Families website for more detailed information at http://jfs.ohio.gov/ohp/consumers/HealthyFamily.stm.