Health Insurance Carriers in Ohio (OH)
The health insurance regulations in Ohio are different
from the laws in other states, and the carriers that offer health
care coverage in Ohio have different plans and options. We hope
you will find the resources listed on this page informative and
useful. First, review the list of carriers that are recommended
in Ohio. Second, we review basic information about Ohio Health
Insurance options at the bottom of this page. Once you have completed your research, please request a personalized health insurance quote.
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Health Insurance Providers in Ohio
Aetna
American
Medical Security
Anthem Blue Cross and Blue Shield
of Ohio
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group /
TIG
Golden Rule
Guardian
Kaiser Permanente of Ohio
Medical Mutual of Ohio
Midwest Security
Security Life
UnitedHealthcare
UNICARE
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Group Health Insurance in Ohio
- Eligible individuals may not be denied or
charged extra for medical coverage due to medical problems.
- Life changes dealing with family problems or job loss
entitle the policy holder to special opportunities for group health
coverage.
- Newborn, adopted, and disabled kids have additional coverage
options.
- HMOs may require an affiliation period before offering
coverage.
- Employer may require a wait period before offering group
coverage.
- Insurance providers may review medical history for the
six months prior to insurance coverage.
- If a pre-existing condition is found, an exclusion period
of up to 12 months may apply.
- If coverage has been maintained with no lapse longer than
63 days, the policy holder is entitled to creditable coverage.
- Consult with your employer for more details.
Small Business Health Insurance in Ohio
- An employer with fewer than 50 employees
may not be denied small group health insurance or be cancelled
because of illness within the employee group.
- Limits apply to the cost of a small group policy, cost
may increase due to a serious illness of an employee.
- In northeast Ohio, a business with fewer than 250 employees
may join an alliance which acts as a purchasing pool for group
health coverage.
- Consult the Ohio Department of Insurance for regulations
governing these alliances and associations.
Ohio Department of Insurance
2100 Stella Court
Columbus, OH 43215
(614) 644-2658
www.ohioinsurance.gov
Self-Employed Health Insurance in Ohio
The self-employed may not purchase group
coverage.
Individual Health Insurance in Ohio
- Individual health coverage may be denied
due to sickness, except during open enrollment periods when providers
must offer standard or basic plans.
- HIPAA eligible individuals are guaranteed the right to
a standard or basic plan any time.
- Ohio regulations stipulate what must be included in a
standard or basic plan.
- In the case of a pre-existing condition, providers can
attach an elimination rider to the policy.
- Providers may impose an exclusion period for up to 12
months when coverage begins.
- If continuous coverage is maintained with no breaks over
30 days, policy holders are entitled to creditable coverage.
- Pregnancy may be classified as a pre-existing condition
but not genetic information.
- Providers may not require exclusion periods for basic
services.
- No limits apply to the cost of most individual plans.
- Limits may apply to standard and basic plans.
- Coverage may not be cancelled due to sickness.
Ohio Health Care Programs
Medicaid, Best Rx Program, and Breast and
Cervical Cancer Prevention Project offer assistance to low income
individuals.
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