Ohio Health Insurance Plans
Residents of Cleveland, Akron, and other communities in Northeast Ohio often have concerns not addressed on our Ohio Health Insurance 101 page. Here are a few of the questions we have been asked with our answers. You are welcome to submit more questions that could serve as a guide to other visitors seeking information on our site.
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Many young people are tempted to save money by going without any Ohio health insurance plans. This is a risk not worth taking. While it is true that younger adults are healthier than older ones, they also have more active lifestyles and higher rates of accidents that require medical attention. The smart move is to get an insurance plan with a high deductible. Since the insurer is not paying for minor health expenses, it can charge a smaller premium, making health insurance affordable even on a tight budget. Most importantly, the insurer will cover the expenses for major injuries, surgeries, or illnesses that could otherwise destroy your financial wellbeing.
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The best way to avoid “death by a thousand co-pays” is to enroll in a managed care plan such as a PPO or HMO that will cover physicals, exams, and well child visits.
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Many people stick with Ohio health insurance plans they don’t like because they don’t have time to shop for a better one or they are afraid a change will cost a lot of money. However, this could not be further from the truth. The truth is, if you have not shopped your health insurance in over a year, you are probably paying too much. Switching health insurance companies will likely reduce your premium. The solution is to let GetOhioHealthInsurance.com do the shopping for you. We know where to go and who to talk to for the best pricing and best benefits.
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When your health insurance ends because you lose your job, change employers, or relocate, you have a 63-day window in which to enroll in new Ohio health insurance plans to maintain “continuous” coverage. If you wait more than 63 days, you lose your continuous coverage, and your next insurer can delay or deny coverage for a pre-existing condition. The 63-day rule does not apply to insurance waiting periods. Should you find a new employer within 63 days, you will maintain your continuous coverage even if the new employer requires a waiting period before allowing you to join its insurance plan.
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HIPPA is the acronym for the Health insurance Portability and Accountability Act (HIPAA). Signed into law in 1996, HIPPA ensures that a person will continue to have access to affordable Ohio health insurance even when insurance is lost through unemployment, relocation, divorce, or any other life change. HIPPA specifies that a person whose group health insurance expires must be able to enroll in a new plan within a certain period.
