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Sunday, September 21, 2014  
 
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Individual Health Insurance in Ohio (OH)

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The Buckeye State is home to 11.3 million Americans and each year this number grows by almost 150,000 thanks to all the newborns that make their way into the world. Eleven percent of Ohioans, however, don't have the health insurance they need to protect themselves and their families.

Ohio Health Facts

More than 12 percent of new mothers-to-be in Ohio are not receiving the prenatal care they need to maintain a healthy pregnancy. As a result, 12,600 babies are born every year with a low birth weight, 8.5 percent of all newborns. Another 12.5 percent are born premature and only 82 percent get the immunizations they need before the age of 3. Fourteen percent of kids between the ages of 10 and 17 in Ohio are overweight and 39 percent missed out on visiting both a dentist and a doctor last year. The simplest of health insurance policies can cover these costs and more.

Health Insurance Needs in Ohio

Most, if not all, Ohio adults would benefit from the checkups and preventative measures that are covered by a good health insurance plan. Seven percent of adults in the state have diabetes, 11 percent have asthma, 60 percent are overweight or obese and 22 percent smoke. For every 100,00 people, 453 are diagnosed with invasive cancer and 208 will die from the disease. Also for every 100,000, 23 will pass on due to Alzheimer's disease, 29 from diabetes, 248 from heart disease and 55 to stroke.

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Ohio Health Insurance Laws

Ohio law allows insurance companies to deny coverage if you have a health problem, except during enrollment periods, during which time insurers must guarantee either standard or basic plans. If you are HIPPA eligible, you are guaranteed a standard or basic plan at any time. Check with your state insurance department for eligibility requirements. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 12 months, or permanently excluded with the use of an elimination rider. Pregnancy qualifies as a pre-existing condition, but genetic information does not. Basic services can not be excluded. Standard and basic plans are regulated. There are no regulations limiting premium prices, except on standard and basic plans. State law prohibits cancellation of your policy if you become sick.

Individual Health Insurance Companies in Ohio

Aetna
American Family Insurance

Anthem Blue Cross and Blue Shield
Assurant Health
Celtic
Fairmont Specialty Group
Golden Rule
Guardian
Kaiser Permanente
Medical Mutual of Ohio
Midwest Security
QualChoice
Security Life
UnitedHealthcare
UNICARE

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Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

 
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KEY FACTS...

Did you know that common childhood sicknesses such as asthma and ear infections can affect mental and language development when left untreated? Don't let this happen to your child- apply for a health insurance plan for your family today! 1
Looking for individual health insurance? You're not alone. By 2015, healthcare costs are expected to reach $4 trillion. Safeguard your health and your wallet by investing in a health plan that's unique as you are. 2
Thinking about obtaining health insurance? The number of uninsured individuals increased from 44.8 million to an estimated 52 million in 2010. Don't be a part of this alarming statistic; get quoted on a health insurance policy today. 3

 

 

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