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.
According to www.statehealthfacts.org, only 4% of Ohioans had individual insurance in 2004. Nevertheless, the rising costs of health insurance have forced more Ohioans to look for individual health insurance. If you are uninsured or underinsured Ohioan, Health Plan One can help you find affordable health insurance today!
Uninsured Ohioans
Over 11% of Ohioans lacked health insurance coverage in 2004 according to www.statehealthfacts.org. Because of the increase in premiums, less employers can afford to offer health insurance to their employees. Only 73% of small businesses in Ohio offer health insurance coverage while 95% of large businesses offer coverage. About 40% of uninsured Ohioans work for small businesses (www.healthpolicyohio.org). The uninsured rate is especially high amongst young Ohioans. In 2004, 17.2% of workers under 35 years of age were uninsured.
|
In Ohio, medical underwriting is allowed with plus or minus 35% of the indexed rate based on the health status of the group. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior healthcare.
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 5th 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.
Income 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
Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.
|
Health Insurance From 100 Companies
