Anthem Blue Cross Ohio short term health insurance is a great low cost option if you only need medical coverage for less than six months. If you need benefits for as long as 12 months (and possibly more), this Anthem plan still may be able to help you. Not only is the policy issued by one of the top insurers, but rates and benefits are always very comparable to other companies.
Our website provides the lowest available costs for many Ohio short term health insurance policies from Anthem Blue Cross, UnitedHealthOne, Medical Mutual, Humana, Celtic and Assurant. We make it easy to compare affordable policies, apply for coverage and save money! You can let us help you or handle the process yourself. There are never any fees and your private information is never shared.
The Anthem short term policy is the least expensive medical plan they offer. The coverage is designed to provide benefits for anyone needing medical coverage for a month, a few months, or up to a year. One policy renewal is allowed. The contract is most commonly used with persons that are working and don’t have health insurance, early retirees, the self-employed, anyone trying to avoid a lapse in coverage or workers between jobs.
Most health care items are covered that you would expect, such as hospital expenses, office visit (including Urgent Care) and prescription benefits, emergency room bills and lab/X-ray expenses. However, to utilize any of the specified benefits, you must meet your deductible. Then, 80% of the qualified expensed are covered, which becomes 100% after the coinsurance requirement has been satisfied. But the main purpose of the policy is to protect you against larger claims.
Also, the lifetime cap for covered medical expense sis not unlimited like most other forms of coverage. The cap is $1 million, which should be sufficient since this temporary Anthem plan is only going to be in force for 1-12 months. Although, not impossible, it is unlikely that you will incur more than a million dollars of covered medical expenses. Also, staying within the Anthem Network will help you get more benefits for the premium you are spending.
Admittedly, there are other short term health insurance plans in Ohio with lower rates. Typically, UnitedHealthcare costs less, and sometimes Humana, Medical Mutual and Celtic are “in the ballpark.” But Anthem is a household name and also offers deductible options from $250 to $2,500. Once the deductible has been satisfied, office visits and prescriptions will be covered, subject to policy contract limitations. Benefits you receive on temporary plans in Ohio are usually less than benefits offered on catastrophic or comprehensive plans.
You can initially apply for 1-6 months of coverage. If you pay the premium in full, your rate will be less than the monthly rate options. When your policy expires, you can re-apply again for one more term. However, after a maximum of 12 months of coverage, we will have to use another company if you still prefer a short-term plan. UnitedHealthcare would be a good choice. And after 12 months of coverage with UHC, it's possible to re-apply with Blue Cross again!
Applying for an Anthem short term plan is quick, painless and easy. Since there are very few medical questions (perhaps five), it typically takes less than 20 minutes. Policies are often approved in a day if there are no “yes” answers and you never are asked to take a physical. We can also help you complete the paperwork.
What about the rates? We highly recommend a higher deductible to keep your premiums low. For example, a 40-year old male in Kettering (Dayton area) would pay $84 per month for a $5,000 deductible and $110 per month for a $2,500 deductible. Rates, of course, will be different in other areas of the state.
Anthem short term health insurance coverage may be the perfect fit for your temporary health care needs. You can easily view free quotes on our website or you can contact us. We will happily explain plan details and the easy application process.
Anthem Ohio Short Term Health Insurance Application & Information
