Who needs Ohio short term health insurance? Do you? Well…if you are a recent high school or college graduate that is no longer covered under a parent”s policy, then this type of policy may be your best option. Also, if you are employed part-time or temporarily, between jobs, laid off, on strike, or waiting for your permanent insurance to begin, your need is probably short term.

Ohio Short Term Policy Features

* Coverage is designed to be effective for a short period of time…usually between 1 and 12 months. Once  the policy ends, you may be forced to “re-qualify” for additional coverage.

* Rates are very low. In most cases, monthly rates will be 25%-65% less than a conventional plan.

* Major medical claims, unexpected illnesses and accidents are generally covered. With some companies, a rider can be added to include office visits and prescriptions.

* The underwriting process is quick…In most cases, a policy is issued within 24 hours. Sometimes, a policy is approved within an hour.

* Billing options are flexible…ranging from monthly to annual payments.

UnitedHealthcare, Humana and Celtic offer the most competitive short-term Ohio health insurance plans. Medical Mutual and Anthem also offer this type of coverage although throughout most parts of the state, their rates are higher for temporary plans.

We realize that many plans appear similar and coverages can be very confusing. Please don”t hesitate to call us for help at (888) 513 6446. You can also apply for coverage directly online by clicking on the “Get Instant Quote” button at the top of the page. Even after you apply online, we”re still available to assist you.

Body Mass Index (BMI) is a number calculated from a person’s weight and height. BMI is a reliable indicator of body fatness for people. BMI does not measure body fat directly, but research has shown that it correlates to direct measures of body fat. BMI can also be considered an alternative for direct measures of body fat. Additionally, BMI is an inexpensive and easy-to-perform method of screening for weight categories that could possibly lead to health problems.

Of course, the BMI can be very subjective, and in fact, each health insurance company interprets the figures in a different way. Some Ohio health insurance carriers tend to be a bit more “forgiving” than others. And of course, a few companies hvae very strict guidelines, especially if you are taking multiple medications.

For example, a 5-9 male weighing 201 pounds is considered a “preferred” risk with Anthem. Yet, according to the BMI Index, this same person is just two pounds away from being considered “obese.” Yet, UnitedHealthcare will assign a “standard” risk classification to the same person. Most Ohio health insurance companies have multiple levels of establishing the rate, and of course, weight is not the only criteria used.

As an Ohio broker, part of my job is to take into consideration the BMI of the applicant (along with other factors), and determine which carrier can offer the best coverage at the most competitive price. Whether it””s catastrophic, comprehensive or HSA coverage, each situation is different, and I try to take ample time to research which plan(s) are the best choice.

To determine BMI, there are many online sites that will allow you to perform the simple calculation.

One such site is http://www.nhlbisupport.com/bmi/

For additional information on Ohio health insurance plans or obtaining an Ohio health insurance quote, please click on the “Get Instant Quote” button at the top of the page. Or…feel free to speak to a live person by calling (888) 513 6446. We won”t bite and we also never share your information with any other person or company.