Health insurance for children in Ohio is available for every budget and easy to purchase. Preventive benefits and well-child visits are covered at 100% or with little or no copay. The cost of coverage is very cheap compared to other types of plans. You can compare the top-selling plans in the state when view your free quotes.
Most large Ohio companies such as Medical Mutual, Anthem Blue Cross, HealthSpan, Aetna, Coventry, and Humana feature low cost plans for young persons. CHIP and Medicaid also offer very inexpensive coverage, depending on your total household income."Healthy Start" and federal subsidies will save you money.
In certain financial circumstances, as discussed later, you may not be able to afford a policy. If eligible, CHIP and Medicaid are two established programs that will provide coverage for a limited premium or simply no cost at all. The typical policy includes preventive, prescription and hospital benefits along with dental. It is possible that the provider network for these programs will not be as robust as other private individual policies.
Ohio individual health insurance rates for children are extremely cheap compared to other states. For example, shown below are the monthly prices to provide comprehensive coverage on a five-year old in the seven largest cities in Ohio.
$65 Dayton Area
$65 Cincinnati Area
$70 Columbus Area
$69 Youngstown Area
$76 Cleveland Area
$76 Akron Area
$70 Toledo Area
These monthly rates are based on the following assumptions:
Both parents are covered under a separate private or employer-sponsored plan.
The approximate household income is $27,000 and the applicable federal subsidy of $76 has been applied. Higher (or lower) incomes will impact the subsidy, and perhaps the most ideal plan to choose.
The policy selected is from the "Silver" metal tier, which provides cost-sharing reductions that potentially lower the deductible and copay.
The actual policies utilized (depending on the county) included: $10 Copay PPO (Coventry), DirectAccess (Anthem BC), Connect 4600 (Humana), Just4me (CareSource), and 3000 HSA (HealthSpan).
It is possible to obtain "free" medical coverage if your subsidy exceeds the cost of the policy. Depending on the number of dependents you list on your tax return and your modified adjusted gross income, you could easily pay between $0 and $50 per month for your policy.
Typically, Medical Mutual, Humana, UnitedHealthcare and Anthem Blue Cross offer the most competitive health insurance rates for children. However, each section of the state often has one or two plans that are uniquely price-competitive in that county. For example, HealthSpan offers very competitive prices in Hamilton County. However, in many other areas, they do not have a strong provider network and plans are not available.
Low-Income Family Options
For low-income families, Ohio Medicaid offers two options for children to obtain health care. Healthy Families is available to families with income up to 90% of the federal poverty level. "Healthy Start" (also known as CHIP) is available to families with income up to 200% of the federal poverty level. MAGI (Modified Adjusted Gross Income) is now used as the income criteria. This started in 2014.
CHIP is ideal if your income is too high for Medicaid eligibility, but you also can not afford to purchase private coverage. If you apply for CHIP, proof of income and citizenship will be required. You can submit paperwork online, in person or through the mail.
Once approved, personal ID cards are usually mailed quickly, and your benefits will be active. You can cancel your coverage at any time and if you move to another state, it's very likely you can keep coverage. However, a new primary-care-physician will have to be chosen since your provider network will change.
Once a child becomes eligible for Medicaid, they will be entitled to Healthcheck services. Healthcheck covers 10 medical exams during the first two years of life and annual wellness exams thereafter. This government plan can also be transferred across state lines if you move residences.
As of September 23 (2010), many Ohio health insurance companies will NOT offer health care coverage to children under 19 that are not covered on their parent's policy. President Obama's health care reform initiatives have forced this change by the carriers that is making it much more difficult to obtain children's coverage. Please call or email us for additional information.
As of September 2011, all companies have eliminated plans that insure children only (under age 19). However, short-term plans are available. Rates are very low although all claims are subject to the deductible. It's the best option at this time.
May 24 2012: Assurant still offers a "short-term" plan that will cover children under age 19. Rates are very inexpensive but a deductible applies to all claims. With a favorable Supreme Court ruling next month, there is a slim chance that most insurers will begin to offer "child only" plans again.
January 28 2013: The Supreme Court did rule favorably to impose a tax on consumers that do not purchase coverage in 2014 (and beyond). Butyou will have to wait until that time for a plan that covers a single person (only) under age 19.
Also, this month, the Centers For Medicaid and Medicaid Services offered more than $30 million of aid (in the form of grants) to reach out and make programs like CHIP and Medicaid more visible to parents of Ohio children that maybe able to qualify. Proposals to distribute funds must be received by February 1st and the awarded money will be distributed around June 1. Outreach and enrollment is the goal.
August 1 2014: During this year's Open Enrollment, it's estimated that about 300,000 persons in the state added medical coverage, with many obtaining CHIP or Medicaid benefits. Most hospitals are also reporting that a lower percentage of patients did not have existing coverage. This trend is expected to continue over the next few years.
Open Enrollment begins in 3 1/2 months and the application process will be more streamlined than last year. Through a combination of software enhancements from the Department of Health and Human Services, and increased functionality of the subsidy calculation software, we'll have you covered quicker than ever before.