Learn All About Ohio's Health Insurance
Each state has its own unique set of health insurance laws, regulations, premiums, and companies. Sometimes, finding the right insurance can be a stressful experience. Lucky for you, we've gathered together some of the best information on Ohio health insurance plans and options.
Navigating Ohio Health Insurance Quote
In order to make your experience more user-friendly, we've arranged this site into four unique sections, each chock full of articles and tips on finding the right Ohio health insurance policy for you and your family.
- In Ohio Health Insurance Basics, you'll get a basic overview of the climate of healthcare and health plans in Ohio, learn about the general health insurance types, and discover the inside scoop on children's health insurance, student health insurance, and steps to take before moving to Ohio.
- In Ohio Health Insurance Products, we've conveniently provided a detailed description of the health products that may interest you (including HMO, PPO, POS, short-term insurance, and self-directed health plans).
- Ohio Health Insurance Companies provides you with information on Ohio's top health insurance providers, along with helpful guidance and links to the entire list of Ohio health insurance companies legally accredited by the Ohio Insurance Commission.
- Ohio Health Insurance Cities will help you better understand the unique range of healthcare opportunities and plans available in your particular area. You'll find out the specific health issues to be concerned about in specific metropolitan areas of Ohio, and you'll find a listing of the medical care facilities in each area.
Your Ohio Health Insurance Rights
Health insurance companies will generally offer a wide range of health plans, each with its own benefits and costs that you can choose and tailor to your own family's health needs. However, all insurance are required by Ohio law to provide the following basic coverage:
- Alcoholism Treatment – Every group policy must cover at least $550 per year for treatment of alcoholism.
- Mental Illness – If a group policy covers treatment of a mental illness in a hospital it must provide for at least $550 per year in out-patient care.
- Kidney Dialysis – If a coverage provides for kidney dialysis for in-patient, hospital care, it is required by Ohio law to provide the same coverage for out-patient kidney dialysis.
- Specific Practitioners – Any physician qualified to perform services cannot be denied payment from the health insurance company for services rendered.
- Prescription Drugs – A policy that offers prescription drug coverage cannot deny a prescription from your doctor, even if your doctor prescribes a drug not approved for use for your particular condition.
- Mammograms and Pap Smears – Every insurance policy, according to Ohio insurance law, is required to cover mammograms and pap smears.
* Information provided by Urban Institute and Kaiser Commission on Medicaid and the Uninsured based on the Current Population Survey in 2006 and 2007 by the Census Bureau.
