Ohio Health Insurance (OH)

Choose from the list below to learn more about specific health insurance providers in Ohio. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

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Health Insurance Providers in Ohio (OH)

Aetna
American Medical Security
Anthem Blue Cross and Blue Shield of Ohio
Assurant Health (formerly Fortis)
Celtic
Fairmont Specialty Group
Golden Rule
Guardian
Kaiser Permanente of Ohio
Medical Mutual of Ohio
Midwest Security
Security Life
SummaCare
UnitedHealthcare
UNICARE

Individual Health Insurance in Ohio (OH)

Individual health coverage can be denied because of health problems, except during open enrollment periods when insurers must offer either standard or basic plans. HIPAA eligible individuals are assured the right to a standard or basic plan at any time. There are state regulations which govern what must be covered in a standard or basic plan. If you have a pre-existing condition, insurers can impose an elimination rider to the policy. Also, they can require an exclusion period for no more than 12 months at the beginning of new coverage. If you have had continuous coverage, with no lapses over 30 days, you are entitled to credit on the exclusion period. Pregnancy can be considered a pre-existing condition, but genetic information cannot. Managed care providers are not allowed exclusion periods for basic services. There are no limits on the cost of most individual policies. There are limits, however, on the standard and basic plans. If you get sick, your insurance cannot be cancelled.

Group Health Insurance in Ohio (OH)

Group health insurance in Ohio is required to accept you for coverage, even with a medical problem, as long as you are qualified. Also, you cannot be charged more for the policy. In the event of life changes dealing with children, marriage, family problems, or job loss, you may be entitled to special opportunities for group health insurance. Newborn, adopted, and disabled children have additional regulations in Ohio. An HMO may impose an affiliation period before coverage begins. Also, a new employer is allowed to wait to offer group coverage. Insurance companies have a look back period for reviewing your medical history of six months prior to insurance coverage. If a pre-existing condition is found, they may place an exclusion period of no more than 12 months before coverage begins. Also, if you have had continuous coverage with no lapses longer than 63 days, you are entitled to creditable coverage. There are many government employers in Ohio that have limited the protections on their group coverage; it is recommended you check with your employer to see if you are included.

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Small Business Health Insurance in Ohio (OH)

An employer with two to 50 employees who applies for small group health insurance cannot be turned down for coverage, nor can the insurance be cancelled due to sickness within the employee group. There are limits on the cost of a small group policy, although it can be expensive due to serious illness of an employee. In the northeast region of Ohio, a business with two to 250 employees is allowed to join an alliance which acts as a purchasing pool for group health insurance. For all others, please consult the Ohio Department of Insurance for regulations that govern such 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 (OH)

Self-employed individuals are not allowed to buy group coverage.

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Ohio Health Programs (OH)

There are several programs that provide assistance in Ohio, such as Medicaid, Best Rx Program, and Breast and Cervical Cancer Prevention Project.

Health Insurance in Ohio Cities (OH)

Learn more about health insurance (including medical facility details) in Akron, Canton, Cincinnati, Cleveland, Columbus, Dayton, Lima, Newark, and Toledo.

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