Health insurance for children in Ohio is available and very affordable. Most large Ohio companies such as Medical Mutual, Anthem Blue Cross, Aetna and Humana feature low cost health insurance plans for children. However, a few insurers, such as UnitedHealthCare, will no longer issue “child only” policies, a direct result of President Barack Obama’s health care reform.
We are Ohio’s premier trusted resource for affordable children’s health care, and guarantee the quotes you view on this website are the lowest rates allowable by the state. We feel it is important to take the time to research all of the available plans and find the policies that fit within your budget and offer the coverages you need.
Ohio individual health insurance rates for children are extremely inexpensive compared to other states. For example, shown below are the monthly rates to provide comprehensive coverage on a healthy five-year old male in the seven largest cities in Ohio.
$70 Dayton Area
$73 Cincinnati Area
$73 Columbus Area
$73 Youngstown Area
$74 Cleveland Area
$76 Akron Area
$76 Toledo Area
These monthly rates are based on Medical Mutual’s “SuperMed One Elite” plan with office visit and prescription coverages included. Most office visits and prescriptions are not subject to a deductible. The major medical deductible is $2,500 and most child preventive benefits are not subject to a deductible. Copays on office visits are only $30. ($40 for specialists)
Typically, Medical Mutual and Anthem Blue Cross offer the most competitive health insurance rates for children in Ohio.
Lower cost plans are also available that feature limitations on office visit and prescription benefits and higher out-of-pocket costs for inpatient and outpatient major medical claims. Monthly rates reduce to approximately $42-$56 per month if there are no existing health conditions. Anthem’s “SmartSense” plan is the most popular option for this type of coverage. However, only three office visits per person per year are allowed without meeting the deductible.
.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" is available to families with income up to 200% of the federal poverty level. 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.
The quote button at the top of the page will illustrate current rates. Or, you can talk to a live person at (888) 513 6446.
UPDATE: 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.
UPDATE: 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.
