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Ohio Health Insurance FAQ



The Ohio health insurance FAQ listed here will provide you with information you need to know so you can get the protection you need. Health insurance FAQ for OH residents are designed to answer basic questions most people may have. If you need further information about the topic after reading these FAQ about health insurance in Ohio, please contact your insurance company or agent for assistance.

 

Ohio Health Insurance FAQ #1: What Kinds
Of Health Insurance Coverage Is Available?

 

Consumers can purchase health insurance with the following policy provisions:

 

  1. Major Medical Coverage: Provides insurance to cover the cost of doctor visits, surgical procedures, and hospital stays.

  2. Temporary Medical Coverage: Temporary medical insurance is bought to provide protection when a person is between jobs, waiting for coverage to begin after starting a new job, early retirees not yet eligible for Medicare, or a student attending college or university.

  3. Hospital and Surgery Insurance: Benefits are paid out under this type of policy for expenses related to hospital stays and surgical procedures, including physicians' fees, laboratory tests, and the daily hospital room rate.

  4. Accident-Only Insurance: Pays out after a person has been injured in an accident; covers hospital costs, doctor visits, etc.

  5. Dread Disease Insurance: Buy Dread Disease (also known as Specified Disease) coverage if you are concerned about covering expenses and paying bills if you are diagnosed with cancer, AIDS, or have a heart attack or stroke.

  6. Dental Insurance: Helps to cover the cost of regular dental care and orthodontic treatments.

  7. Vision Insurance: Provides coverage for the cost of eyeglasses and/or contact lenses.

  8. Home Care: Pays benefits if you have an illness or a disease and are able to receive care in your home from nurses or other healthcare workers. Home care coverage may also cover housekeeping and other costs.

  9. Long-Term Care: Covers the cost of a stay in a long-term care facility (nursing home), including accommodation and meals.

  10. Term Life Insurance: Life insurance coverage for a temporary period of time.

 

Ohio Health Insurance FAQ #2: Where
Can I Get Health Insurance Coverage?

 

  1. Group Insurance Through Work: Many people get health insurance as a benefit through their employment. The employer may pay all or part of the cost, or the employee may pay for it through payroll deductions. To qualify for coverage, you will need to have worked full time (40 hours per week) for a pre-set period of time. An insurance benefits card or policy information to make claims will be provided after you have been added to your employer's plan.

  2. Individual Health Insurance Plan: If you aren't covered by a group health insurance plan at work, you have the option of purchasing your own health insurance policy. Your insurer may require you to provide detailed health information as part of the application process, and you may be required to undergo a medical exam before being accepted by the company (medical exams are a rarity but are deemed necessary by underwriters in some instances).

  3. Government Health Insurance: Low-income individuals and families who don't have insurance coverage through work may qualify for insurance coverage through plans sponsored by the state.

 

If you belong to an association, you may be able to buy health insurance at a reduced rate. Many professional organizations, alumni organizations, and the like offer benefits of this type to their members.

 

Ohio Health Insurance FAQ #3:
What Is Primary Coverage?

 

In a situation where two people (such as a married couple) are both covered under an employer's group health insurance plan, the usual policy is that claims for benefits be submitted to one person's plan first. This is known as "primary coverage."

 

Ohio Health Insurance FAQ #4:
What is Secondary Coverage?

 

Secondary insurance coverage pays benefits after the coverage under the primary coverage policy have been used first. Using the same example of the married couple mentioned in FAQ #3, a claim for benefits is submitted under one spouse's insurance plan first and any amount not covered is then submitted under the other spouse's health insurance policy.

 

Ohio Health Insurance FAQ #5: I Have Just Received
My New Policy And I Have Changed My Mind. Can
I Cancel The Policy And Get My Money Back?

 

You always have the option of canceling your health insurance policy if you change your mind. Whether you can get a refund of any premiums paid will depend on the specific wording of the policy you bought. Some policies give you a set amount of time (30 days or so), called a free look period, to review the policy and decide whether you want to keep it, while others do not offer this option. It's important to review your policy provisions in detail and ask the insurance company or your agent to clear up anything you don't understand before you buy it.

 

Ohio Health Insurance FAQ #6: I Am Self-Employed.
Can I Get Affordable Health Insurance?

 

If you are self-employed, you do have options when it comes to health insurance. If you belong to a trade or professional association, find out whether it offers health insurance coverage to members. You might also want to consider buying an individual health policy with a large deductible if you are in good health; this will allow you keep your monthly costs for health insurance down and provide you coverage in care of a catastrophe.

 

Compare Ohio Health
Insurance Quotes Now!

 

Now that you have read these Ohio health insurance FAQ, you can take the next step and get a quote for your health care needs by using the tool located at the top of this page. Just click on it to get started right away!