COBRA Health Insurance in Ohio

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Ohio Health Insurance Quotes are presented by Simon Jones of Columbus, Ohio License Number #123456

Ohio’s economy has been steady in the last few quarters, but the state is affected by the same trends that influence the rest of the country. Heavy manufacturing is changing as the automotive industry and other manufacturing sectors are replaced by information technology and other high-tech industry.

Workers may find themselves unemployed as their company re-tools. Losing a job can mean losing health insurance for the entire family. At other times, an Ohio resident may lose coverage when children reach a certain age, there is a divorce in the family, or the employee dies. In these and other situations, each member of the covered family may apply for health insurance coverage under the federal COBRA regulations.

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COBRA in Ohio

• If you have lost your job, apply for COBRA insurance within the first 60 days after termination. Your employer is required to give you the information and application for extending your health insurance through COBRA.
• You are entitled to retain the health benefits you had in your previous job for at least 18 months, but you will have to pay the full premium yourself.
• Your insurance company cannot cancel your insurance because you get sick. They must keep the policy active as long as you pay the premiums on time—up to the end of your COBRA eligibility.
• Covered children who have lost that coverage because of age, or because they are no longer full-time students, have the right to apply for COBRA under their own name. Coverage of this type can last for up to 36 months.
• Continuing health insurance coverage through COBRA, while expensive, is extremely important for anyone who has any pre-existing conditions that may be denied under a new policy.
• While you are on COBRA, make a study of different personal health insurance policies, including PPO plans, HMO plans, and temporary health insurance. You may be able to cut your COBRA health insurance payments substantially.

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