Ohio Pre-Existing Condition Health Insurance Plan
The Ohio Pre-existing condition health insurance plan will be available in August. This temporary health insurance program (“high risk pool”) is designed to offer somewhat affordable Ohio health insurance effective September 1. Applications will be accepted on August 1. Medical Mutual will operate the plan through the Ohio Department of Insurance. Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. Pre-existing conditions will be covered without a waiting period. However, there are some catches.
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 Ohio 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 Ohio Pre-Existing Condition plan will be available until 2014 when national health reform takes effect. Many experts feel health insurance rates could substantially increase at that time since any person could obtain coverage regardless of their health 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.
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 Ohio health insurance 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.
Ohioquotes.com is the premier resource for affordable Ohio health insurance plans and guarantees that the rates you view are the lowest allowable by the state. You can also call and speak to a live person at (888) 513 6446.
Helpful links:
Ohio Department Of Insurance
Healthcare.Gov website only to be used if you are uninsurable
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