Ohio child-only health insurance plans are not easy to find. Most of the health care providers do not offer this type of coverage due to some of the changes implemented with Obamacare. However, there is one option worth considering if you need to insure one or more children under the age of 19.

The Assurant “Short-Term” policy will approve a “child-only” policy (assuming the application is accepted and underwriting guidelines are met). Since it is a temporary policy, typically you can keep coverage for up to a year. However, during that time, we’ll help you find other affordable options that may offer the long-term protection you may need.

Deductible options range from $250 to $5,000. Subsequent coinsurance options are also offered at either 0%, 20% or 50%. Generally, we recommend the 0% or 20% options. A generous lifetime maximum of $2 million insures that major illness and disease will be covered. The unlimited lifetime benefit mandated by health care reform, does not apply to these Ohio child-only policies.

Office visits, prescriptions, emergency room charges, X-rays, lab tests and hospital expenses are all covered but subject to a deductible of your choice. Although the policy allows you to utilize your own doctors and facilities, we highly recommend you use providers in the Assurant network. Your out of pocket costs will substantially reduce and there are thousands of providers throughout Ohio.

There are exclusions to the policy including pre-existing conditions, self-inflicted injuries, dental and vision expenses, mental illness. A complete list of exclusions can be found in the brochure.

Certainly, we realize that if you need coverage on your child (without insuring an adult), the Assurant short-term plan is not the ideal policy. However, it will provide a temporary solution and most importantly, provide much-needed major medical benefits in the event of a hospital claim. And, as previously mentioned, even office visit and RX coverage is provided once the deductible has been met.

Another low cost option (actually, lower cost than Assurant) is Celtic Insurance Company, based in Chicago. They offer many deductible options ($500 to $5,000) and when you view your quotes, please take note of Celtic’s rates.

Please feel free to call (888) 513 6446) or contact us (contact form at top of page) if you would like to review your options. You can also view rates right now by clicking on the “Get Instant Quote” button at the top of the page. For “children only” policies, the Assurant short-term policy will be the only plan that is shown.

You can also review a brochure below:

Assurant Short Term Health Insurance

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