About Health Insurance in Ohio
East Coast Health Insurance is your source for finding the best medical care plan for your needs in Ohio. There are many great companies available for health insurance, such as Aetna, Anthem Blue Cross Blue Shield of Ohio and Humana.
- Total Population: 11,392,400
- Total Uninsured Population: 1,565,900 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $2,138
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Ohio
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our licensed Ohio agents at 888-803-5917.
Ohio Health Insurance Market & Laws
Ohio’s health insurance laws include several policies that work in favor of the patient and also the insurance companies. Guaranteed renewability works in the favor of the policy-holder, who can renew their same policy with the same insurer after their plan has ended. They also cannot have their benefits terminated if they become ill during the time they are insured, as a result of this provision.
Pre-existing conditions in Ohio are considered any diagnosis or condition for which you received medical care in six months before enrolling in health insurance. The insurer also has the option of applying an exclusion period, where they do not cover the medical expenses associated with the condition, for up to 12 months.
If you change health insurance carriers, you are allowed to use your previous coverage as a credit to pay for medical expenses for the pre-existing condition during the exclusion period. This is applicable as long as you have not had any breaks in coverage, violations of your policy, and have paid your premiums.
Insurance companies in Ohio are restricted by federal law in several areas, and it provides fair treatment to individuals that need insurance. One of the most effective guidelines is that Ohio health insurance companies have an open enrollment period for 30 days each year, where anyone, regardless of health or age will, be considered for health insurance.
In the state of Ohio, all health insurance policies are required by law to cover the following services:
- Breast and cervical cancer screenings
- Immunizations for children
- Mental health care with the same coverage as any other medical condition
For further information on health insurance laws in Ohio, visit the Ohio Department of Insurance site.
1. Kaiser Family Foundation, “Ohio – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Ohio Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Ohio.html