Ohio Child & Student
Health Insurance

You can get a child-only Ohio health insurance plan

A child-only health insurance plan is used where:

- The cost of adding a child to a group plan is too expensive
- A divorced parent is ordered to provide health insurance
- A parent is uninsurable but still wants to cover their child(ren)

In Ohio, as in all other states, children can have their own health insurance plan. The plans are medically underwritten the same way they would be for an adult. The application forms are signed by a parent or guaradian.

In many instances, you will find that adding a child to a group health insurance plan is more expensive than obtaining separate coverage.

If the child is going to be spending a good deal of time in another state, be sure that the PPO network you choose has adequate coverage for that area.

Ohio Student Health Insurance Plans

If you are a college student looking for health insurance coverage you have a number of low-cost alternatives.

- You can use a conventional PPO plan.
- Temporary major medical plans can be used anywhere for durations on one month to 3 years.
- You can purchase a special student health plan.

Conventional PPO - There is no reason why you can not have a full major medical PPO plan. The costs might be comparable to student health plans and the coverage will be much better. These plans will offer copays for doctor visits and prescriptions as well as routine physicals.

Temporary Plans - These are full major medical plans that you can hold for as short a time as one month or hold on to them for three years. They are usually less costly than conventional plans but do not have copay features for physician visits and prescriptions. They can usuallybe obtained within 24 hours by filling in a simple form. If you are going to graduate in a few years, this might be a good low-cost alternative.

Student Health Insurance Plans - Quite frankly, we have not been impressed with the quality of health insurance plans offered by most universities. However, you can get a private student health insurance plan that was designed specifically for college students on your own. These plans have no health questions and you can hold on to them until you are 63. If you decide to take some time off from school you can continue these low-cost plans. You must be enrolled in a degree program with 9 credits for initial eligibility.

Our agents will give you quotes for all three types of plans and explain the advantages and disadvantages of each possibility. Call us at 800-986-4786.