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Ohio Health Insurance

Health insurance these days are mainly classified into two broad categories: individual and group. Those who prefer to opt for individual insurance are mainly self-employed, or are employed by a company that does not have provision of a health plan, or who have a family and who want individual insurance for their family members. When you buy an individual insurance policy, you are required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you settle for a group policy instead, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurance company begins paying for your valid medical bills.

In Ohio, health problems can deny you individual health coverage, except during open enrollment periods when insurers must offer either standard or basic plans. HIPAA eligible people are guaranteed the right to a standard or basic plan at any time. In case you have a pre-existing condition, insurers have the right to impose an elimination rider to the policy. They can also seek an exclusion period of not more than one year at the beginning of new coverage. If you have had continuous coverage of 30 days without any lapses, you are entitled to creditable coverage. Pregnancy can be considered a pre-existing condition, but not genetic information.

In Ohio, if you are qualified, insurers cannot deny you group health insurance or slap additional charges if you have a health problem. There are additional regulations in Ohio for newborn, adopted, and disabled children. A new employer is allowed to seek a waiting period for offering group coverage. An HMO may also impose an affiliation period before coverage begins. Insurers are allowed a look back period for reviewing your medical history of six months prior to insurance coverage. If you are found to have a pre-existing condition, they may impose an exclusion period of not over 12 months before coverage begins. If you have had continuous coverage with no lapses for 63 days, qualify for creditable coverage.

In Ohio, an employer employing two to 50 employees cannot be denied small group health insurance, nor can the insurance be cancelled due to sickness within the group. In the northeast region of Ohio, a business with two to 250 employees can join a purchasing pool for group health insurance. You should contact the Ohio Department of Insurance for regulations that govern such alliances and associations. Ohio does not allow self-employed people to purchase group coverage.

In Ohio, there are several programs in operation, such as Medicaid, Best Rx Program, and Breast and Cervical Cancer Prevention Project.

Selection of the right quotes is never easy, so you should do some homework before making a final decision. In any case, it is always better to appoint professional health
insurance agents and brokers in this regard.

Among the prominent health insurance providers in Ohio are Aetna, American Medical Security, Anthem Blue Cross and Blue Shield of Ohio, Assurant Health (formerly Fortis),
Celtic, Fairmont Specialty Group, Guardian, Humana, Midwest Security, Security Life, UnitedHealthcare and UNICARE.


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Cities in Ohio where Insurance can be purchased: Akron, Alliance, Amherst, Ashland, Ashtabula, Athens, Aurora, Avon, Avon Lake, Barberton, Batavia, Bay Village, Beachwood, Beavercreek, Bedford, Bedford Heights, Bellbrook, Bellefontaine, Bellevue, Belpre, Berea, Bexley, Blue Ash, Bolivar, Bowling Green, Brecksville, Broadview Heights, Brooklyn, Brook Park, Brookville, Brunswick, Bryan, Bucyrus, Cadiz, Caldwell, Cambridge, Campbell, Canal Fulton, Canfield, Canton, Carlisle, Carrollton, Celina, Centerville, Chardon, Cheviot, Chillicothe, Cincinnati, Circleville, Clayton, Cleveland, Cleveland Heights, Clyde, Columbiana, Columbus, Conneaut, Cortland, Coshocton, Crestline, Cuyahoga Falls, Dayton, Deer Park, Defiance, Delaware, Delphos, Dover, Dublin, East Cleveland, Eastlake, East Liverpool, East Palestine, Eaton, Elyria, Englewood, Euclid, Fairborn, Fairfield, Fairlawn, Fairview Park, Findlay, Forest Park, Fostoria, Franklin, Fremont, Gahanna, Galion, Gallipolis, Garfield Heights, Geneva, Georgetown, Girard, Grandview Heights, Green, Greenfield, Greenville, Grove City, Hamilton, Harrison, Heath, Highland Heights, Hilliard, Hillsboro, Hubbard, Huber Heights, Hudson, Huron, Independence, Indian Hill, Ironton, Jackson, Jefferson, Kent, Kenton, Kettering, Kirtland, Lakewood, Lancaster, Lebanon, Lima, Lisbon, Logan, London, Lorain, Louisville, Loveland, Lyndhurst, Macedonia, Madeira, Malta, Mansfield, Maple Heights, Marietta, Marion, Martins Ferry, Marysville, Mason, Massillon, Maumee, Mayfield Heights, McArthur, McConnelsville, Medina, Mentor, Mentor-on-the-Lake, Miamisburg, Middleburg Heights, Middletown, Milford, Millersburg, Monroe, Montgomery, Moraine, Mount Gilead, Mount Healthy, Mount Vernon, Munroe Falls, Napoleon, Nelsonville, Newark, New Albany, New California, New Carlisle, New Lexington, New Philadelphia, Newton Falls, Niles, North Canton, North College Hill, North Olmsted, North Ridgeville, North Royalton, Northwood, Norton, Norwalk, Norwood, Oakwood, Oberlin, Olmsted Falls, Ontario, Oregon, Orrville, Ottawa, Oxford, Painesville, Parma, Parma Heights, Pataskala, Paulding, Pepper Pike, Perrysburg, Pickerington, Piqua, Pomeroy, Port Clinton, Portsmouth, Powell, Ravenna, Reading, Reynoldsburg, Richmond Heights, Rittman, Riverside, Rocky River, Rossford, St. Bernard, St. Clairsville, St. Marys, Salem, Sandusky, Seven Hills, Shaker Heights, Sharonville, Sheffield Lake, Shelby, Sidney, Silverton, Solon, South Euclid, Springboro, Springdale, Springfield, St. Clairsville, Steubenville, Stow, Streetsboro, Strongsville, Struthers, Sylvania, Tallmadge, Tiffin, Tipp City, Toledo, Toronto, Trenton, Trotwood, Troy, Twinsburg, Uhrichsville, Union, University Heights, Upper Arlington, Upper Sandusky, Urbana, Vandalia, Van Wert, Vermilion, Wadsworth, Wapakoneta, Warren, Warrensville Heights, Washington Court House, Waterville, Wauseon, Waverly, Wellston, West Carrollton, Westerville, Westlake, West Union, Whitehall, Wickliffe, Willard, Willoughby, Willoughby Hills, Willowick, Wilmington, Woodsfield, Wooster, Worthington, Wyoming, Xenia, Youngstown and Zanesvilles.

Countries in Ohio where health insurance can be purchased: Adams County, Allen County, Ashland County, Ashtabula County, Athens County, Auglaize County, Belmont County, Brown County, Butler County, Carroll County, Champaign County, Clark County, Clermont County, Clinton County, Columbiana County, Coshocton County, Crawford County, Cuyahoga County, Darke County, Defiance County, Delaware County, Erie County, Fairfield County, Fayette County, Franklin County, Fulton County, Gallia County, Geauga County , Greene County , Guernsey County , Hamilton County , Hancock County , Hardin County , Harrison County , Henry County , Highland County , Hocking County , Holmes County , Huron County , Jackson County , Jefferson County , Knox County ( ), Lake County , Lawrence County , Licking County , Logan County , Lorain County , Lucas County , Madison County , Mahoning County , Marion County , Medina County , Meigs County , Mercer County , Miami County , Monroe County , Montgomery County , Morgan County , Morrow County , Muskingum County , Noble County , Ottawa County, Paulding County , Perry County , Pickaway County , Pike County , Portage County , Preble County , Putnam County , Richland County , Ross County , Sandusky County , Scioto County , Seneca County , Shelby County , Stark County , Summit County , Trumbull County , Tuscarawas County , Union County , Van Wert County , Vinton County , Warren County , Washington County , Wayne County , Williams County , Wood County , Wyandot County.


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