Ohio High Risk Pool Plans – Affordable Health Care Coverage For The Uninsured
Medical Mutual Of Ohio has been selected by the Ohio Department Of Insurance to administer and manage the “High Risk Pool.” They will manage claims, handle the application process and provide customer service support. The Federal government provided $152 million to subsidize costs that exceed premium payments collected by new enrollees. It is possible that there will be a waiting list if enrollment limits are met.
You should NOT apply for High Risk Pool coverage unless you have major health conditions
The Ohio Risk Pool and Medical Mutual of Ohio, provide affordable health insurance to Ohio residents that have major pre-existing conditions and that have previously been denied coverage. The two available plans have no annual or lifetime limits and no exclusions for pre-existing conditions. Also, out-of-pocket costs will be limited to comply with recent national health care reform.
To qualify for the Ohio High Risk Pool, some of the eligibility requirements include:
- Ohio resident at the time you apply for coverage
- Be without coverage for six months
- Have a qualifying pre-existing condition
- Not be eligible for coverage for Medicare, the Ohio Medical Assistance program, Ohio CHIP program or individual/group coverage.
- Be a citizen of the US and also reside in the United States.
Two plans are available with either a $1,500 deductible or a $2,500 deductible. Each plan includes prescription drug benefits, health and wellness coverage, office visit and prescription benefits, maternity services and emergency service protection. Network coverage is provided by Medical Mutual’s SuperMed Network, one of the largest groups of providers in the state.
Many preventive benefits are covered at 100%. Some of these coverages include routine medical exams, well child care exams, routine mammograms and pap tests and standard immunizations. Additional benefits include mental health and substance abuse coverage, home health care and maternity services. However, many non-preventive items are subject to a deductible.
Once a policy is approved, coverage will begin on the first of one of the following two months. The effective date depends upon when the application was received. Billing can be monthly, and at any time, a policyholder can cancel coverage. When applying for coverage, a check or money order must be submitted for the first monthly premium, along with the completed application.
Helpful links:
Plan Information: http://www.ohiohighriskpool.com/compare-plans.aspx
Provider Directory: http://www.ohiohighriskpool.com/provider-directory.aspx
Apply For Risk Pool Coverage: http://www.ohiohighriskpool.com/get-a-quote.aspx
If you do not have major health conditions, then you should NOT attempt to apply for this type of coverage. Instead, you should visit Ohioquotes.com and click on the “Get Instant Quote” button at the top of the page to review your options. Your personal information will not be shared with any other person or company. You may also click on the “Get Instant Quote” button at the top of this page.

