Ohio short term health insurance is the least expensive type of health care coverage. If you are a recent high school or college graduate that is no longer covered under a parent’s policy, unemployed, between jobs, a seasonal employee or just waiting for other coverage to begin, then an affordable Ohio short term health insurance policy might be your best option. We guarantee that the rates you view on our website are the lowest available rates allowed by each carrier.
Also, if you are employed part-time or temporarily, laid off, on strike, on Cobra or waiting for your permanent insurance to begin, you may need Ohio short term coverage. Temporary health insurance is extremely affordable and is available from the top Ohio insurers such as Anthem Blue Cross, UnitedHealthOne (formerly UnitedHealthCare), Medical Mutual, Celtic and Humana. These companies feature rates that are often just a fraction of the cost of a conventional policy. For example, a family of three (Ages 40, 38 and 7) in the Columbus area will pay approximately $70-$100 per month for coverage. A wide range of deductibles is available, and naturally, lower deductibles will increase the premium.
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. If you have paid for coverage that you have not used, a refund will be processed on the unused portion. You are not obligated to keep a temporary policy any length of time.
* Pre-existing conditions are generally not covered. Also, coverage is usually “catastrophic” instead of “comprehensive.” However, some plans, such as the Medical Mutual short term policy, will provide some office visit coverage. Prescription benefits are often included, subject to policy limitations. If you are willing to accept higher out-of-pocket expenses, the rate will reduce.
*Rates are typically low…as much as 30%-60% less than a conventional policy. And because of its low cost, preventative coverage is usually not included.A wide variety of deductibles is usually available, ranging from $250-$5,000.
*Most Ohio short term insurance plans allow you to pay monthly, or pay all of your premiums in advance. When paying in advance, most companies discount the rate. A typical Ohio short term health insurance plan is usually approved within 24-48 hours. The standard short-term application is brief and typically takes less than 20 minutes to complete.
Applying For Coverage
Ohio short term coverage is not the right solution for everyone. But if you’re not presently insured, it is often an attractive low-cost option worth considering. Please don't hesitate to call us at (888) 513 6446 for additional information. We'll be happy to review the top plans and discuss which short-term policy is best for your specific situation.
Currently, UnitedHealthcare, Celtic and Humana offer the lowest rates for this type of coverage. All three companies allow online applications that expedite the time needed to get approved. We'll be happy to discuss with you which company is best for you and what method of applying is the best.
To view Ohio short term rates, simply click on the “Get Instant Quote” link at the top of this page. Instantly, you can compare and apply for the top Ohio short-term health plans. Your personal information is never shared with any other person or company.
