Official statistics indicate that the proportion of uninsured Ohio residents increased over the past year from 11.6 to 12.9 percent. This is quite worrying considering the fact that Ohio has a high death rate due to cancer as well as one of the highest levels of air pollution in the United States. It goes without saying that those who live in Ohio who do not have health insurance should think seriously about purchasing a policy. Considering these important points below can help you make the right decision when you buy an Ohio individual health insurance policy.
Purchasing Affordable Individual Health Insurance OH – Important Considerations
Remember the following when you shop for Ohio health insurance for yourself and your family:
• Qualifying for individual coverage: Purchasing an individual health insurance plan is usually tougher when compared to enrolling in an employer-sponsored group plan. This is because, with an individual policy, the health insurance company will scrutinize your complete medical history to decide whether it will offer you coverage and how much it will cost you to do so. Underwriting policies vary between companies. If you already have a medical condition, an Ohio health insurance company can deny you coverage. So it is best to apply for insurance before you have a medical issue.
• Avoiding rescission: You become a victim of rescission if your insurance company issues a policy ,and then denies your claim because you are not eligible for coverage. To avoid rescission, always tell the truth about any medical conditions you may have, even if it is something you consider unimportant. Take care when you fill out your application. New reform is helping as it prohibits insurers from refusing coverage for individuals or groups except in proven cases of fraud or purposeful misstatement.
• Choosing the right plan: Leading Ohio health insurance providers offer different types of Ohio individual health insurance plans and so choosing the right plan can be quite a challenge. Points to consider:
- Which type of plan do you need - PPO (Preferred Provider Organization), HMO (Health Maintenance Organization), or Indemnity?
- Compare deductibles, premiums and out-of-pocket costs.
- Does the plan cover specialist care? If not what are your options and how much would they cost?
- Are pre-existing conditions covered?
- Do you have prescription drug coverage?
- Does it cover adult preventive care?
- Are special needs such as chiropractic care, dental, or vision covered?
Find a Reliable Health Insurance Agent
These are just a few of the important things you need to consider to make the right decision about Ohio Individual Health Insurance. Reading between the lines of a health insurance policy is not easy. It’s advisable to find a reliable health insurance agent who can help you find a comprehensive and affordable medical insurance plan.