Ohio child health insurance was available from most Ohio health insurance companies until the Fall of 2010. At that time, most carriers stopped offering policies that did not include at least one adult. Recent national health care reform made it difficult for carriers to offer all children immediate coverage without revised underwriting criteria.
There are many reasons why an Ohio child health insurance policy is needed. Often, an employer-sponsored health insurance plan will cover the employee at little or no cost. But sometimes, dependent coverage is quite expensive, and a child only health insurance policy will be a better option. Also, with many group employer-sponsored plans, the child of the employee may no longer be covered if he/she is not a full-time student.
In most of the state, an Ohio child health insurance policy will cost between $40 and $100 per month. With some plans, there is a slight discount when more than one child is insured. Coverages vary with each plan, so it is important to advise us the features that are important to you, so we can select the perfect fit. Also, the rate for uninsured children is generally not higher than those that have prior coverage. Again, please remember that a child must be insured with at least one adult.
It is imperative that the policy include a copay for office visits and prescriptions, without having to meet a deductible. Preventive and well child coverage should also be included at little or no deductible. Immunization and vaccine coverage is generally provided on most policies. Although most child prescriptions are generic, and cost less than $10, non-generic prescription coverage should be included on your child's policy. The annual prescription limit should be at least $3,000. and there should be little or no waiting period for the preventive coverage to be effective.
We’ll be happy to research all of your options, and present you with the most affordable comprehensive Ohio child health insurance plan at the guaranteed lowest allowable rate. For an instant quote, please click on the "Get Instant Quote" button at the top of the page. You will be able to easily view, compare or apply for Ohio's best health care coverage. Your personal information is never shared with any other person or company.
Helpful Links:
Healthy Start is Ohio's federally-mandated SCHIP program. Healthy Start is part of Medicaid and is available to children under 19 whose families meet Federal poverty level guidelines.
Healthchek is Ohio's early and periodic screening, diagnosis and treatment (EPSDT) program. It provides many health services to children and teens.
Child & Family Health Services The Child & Family Health Services program is a community effort to improve birth outcomes, eliminate health disparities and improve the health status of infants, children and women in Ohio.
