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Archive for July, 2010

Preventive Service Changes For Ohio Health Insurance Plans

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If you purchase an Ohio health insurance plan on after September 22nd (2010), many preventive services will have to be covered by Ohio health insurers without being subject to a copay or deductible (when these services are completed by a network provider. This change is part of the new health care reform. Of course, rates are expected to modestly increase.

The list of services is listed below. Please contact us if you have any questions or would like any additional information. Ohioquotes.com is the state’s “top dog” for affordable health care. Instantly, you can view, compare or apply online for Oh coverage. Simply click on the “Get Instant Quote” button to view current rates.

Covered Preventive Services for Adults

  • Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
  • Alcohol Misuse screening and counseling
  • Aspirin use for men and women of certain ages
  • Blood Pressure screening for all adults
  • Cholesterol screening for adults of certain ages or at higher risk
  • Colorectal Cancer screening for adults over 50
  • Depression screening for adults
  • Type 2 Diabetes screening for adults with high blood pressure
  • Diet counseling for adults at higher risk for chronic disease
  • HIV screening for all adults at higher risk
  • Immunizationvaccines for adults–doses, recommended ages, and recommended populations vary:
    • Hepatitis A
    • Hepatitis B
    • Herpes Zoster
    • Human Papillomavirus
    • Influenza
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Tetanus, Diphtheria, Pertussis
    • Varicella
  • Obesity screening and counseling for all adults
  • Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
  • Tobacco Use screening for all adults and cessation interventions for tobacco users
  • Syphilis screening for all adults at higher risk

Covered Preventive Services for Women, Including Pregnant Women

  • Anemia screening on a routine basis for pregnant women
  • Bacteria urinary tract or other infection screening for pregnant women
  • BRCA counseling about genetic testing for women at higher risk
  • Breast Cancer Mammography screenings every 1 to 2 years for women over 40
  • Breast Cancer Chemo-prevention counseling for women at higher risk
  • Breast Feeding interventions to support and promote breast feeding
  • Cervical Cancer screening for sexually active women
  • Chlamydia Infection screening for younger women and other women at higher risk
  • Folic Acid supplements for women who may become pregnant
  • Gonorrhea screening for all women at higher risk
  • Hepatitis B screening for pregnant women at their first prenatal visit
  • Osteoporosis screening for women over age 60 depending on risk factors
  • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
  • Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
  • Syphilis screening for all pregnant women or other women at increased risk

Covered Preventive Services for Children

  • Alcohol and Drug Use assessments for adolescents
  • Autism screening for children at 18 and 24 months
  • Behavioral assessments for children of all ages
  • Cervical Dysplasia screening for sexually active females
  • Congenital Hypothyroidism screening for newborns
  • Developmental screening for children under age 3, and surveillance throughout childhood
  • Dyslipidemia screening for children at higher risk of lipid disorders
  • Fluoride Chemoprevention supplements for children without fluoride in their water source
  • Gonorrhea preventive medication for the eyes of all newborns
  • Hearing screening for all newborns
  • Height, Weight and Body Mass Index measurements for children
  • Hematocrit or Hemoglobin screening for children
  • Hemoglobinopathies or sickle cell screening for newborns
  • HIV screening for adolescents at higher risk
  • Immunizationvaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
    • Diphtheria, Tetanus, Pertussis
    • Haemophilus influenzae type b
    • Hepatitis A
    • Hepatitis B
    • Human Papillomavirus
    • Inactivated Poliovirus
    • Influenza
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Rotavirus
    • Varicella
  • Iron supplements for children ages 6 to 12 months at risk for anemia
  • Lead screening for children at risk of exposure
  • Medical History for all children throughout development
  • Obesity screening and counseling
  • Oral Health risk assessment for young children
  • Phenylketonuria (PKU) screening for this genetic disorder in newborns
  • Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
  • Tuberculin testing for children at higher risk of tuberculosis
  • Vision screening for all children

Ohio Pre-Existing Condition Health Insurance Plan

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The Ohio Pre-existing condition health insurance plan is available. This temporary health insurance program (“high risk pool”) is designed to offer somewhat affordable Ohio health insurance  until 2014 when the Exchange may be available. If you have been declined or turned down, it is a great option to consider. Applications will be accepted and Medical Mutual will operate the plan through the  Department of Insurance. You actually visit their website to apply for coverage.

Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. There are two plan choices. One has a $1,500 deductible and the other less expensive option has a $2,500 deductible. Pre-existing conditions will be covered without a waiting period. However, there are some catches that you should be aware of.

To qualify for coverage, you must have a “qualifying pre-existing condition,” as evidenced by a denial of coverage by two health insurers. Documentation from a health professional will also suffice. Any person who applies for the  pre-existing condition insurance plan also must be a citizen or lawfully present in the United States. Also, no prior medical coverage can be in effect for the last six months and proof of Ohio residency will be required.

The  program will be available until 2014 when national health reform takes effect. Many experts feel  insurance rates could substantially increase at that time since any person could obtain coverage regardless of their medical condition. And of course, they will be able to cancel their policy after treatment and purchase health care when it is needed again. A small penalty would be imposed if coverage is not in effect, although this will increase every year.

If you DO NOT have any major pre-existing conditions, you SHOULD NOT apply for this coverage. You may be eligible for standard coverage at much lower rates from some of the major  companies such as Aetna, Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Humana or Assurant. You can view these rates by clicking on the “Get Instant Quote” button at the top of the page.

We provide affordable Ohio health insurance plans and offer the lowest premiums charged by each company. You can also call and speak to a live person at (888) 513 6446. If/when an Exchange is offered here in our state, this website will still guide you through the application process.