Ohio Health Insurance

Not being able to find health insurance is very frustrating. The underwriting standards for most companies are inflexible and do not take any extenuating circumstances into consideration. You either fit the "mold" or you are rejected. We have found a few plans that will enable most of you to obtain some level of insurance coverage for medical expenses. This is NOT a regular health insurance plan. It is a plan that will provide limited medical benefits. You must be employed (self-employed is fine) to obtain this plan.

The following plans require you to be employed 27 hours a week or more. It can be in any capacity including self-employment.

Basic Plan 400: This plan is a completely guaranteed issue Ohio medical plan. Pre-existing conditions are not covered for the first 12 months.

Basic Plan 400	Benefit
Daily Hospital Indemnity Benefit	$400/day (180 days)
Intensive Care Benefit This is in addition to the daily hospital benefit	$1,200/day (20 days)
Initial Hospitalization Rider This rider will pay you a fixed amount for your first hospitalization of 24 hours or more each year.	$1000
Accident Benefit	$2,000
Outpatient Sickness	$50 per visit/4 Visits ($75 if treated for sickness in the hospital emergency room
Prescription Co-Pay Plan	Yes
Surgical & Anesthesia Benefit	$5,000 maximum 25% for anesthesia
24 Hour Nurse Hotline	Yes
Maternity Covered?	Yes
PPO network	Yes
Cost for this plan is $148.00 per month

When someone cannot obtain a traditional PPO or HMO Ohio medical insurance plan, they feel justifiably vulnerable. In most instances, they want to obtain the maximum amount of coverage available. The prior plans will offer a considerable amount of benefit dollars. However, depending on your medical condition, you might be able to increase the above amounts for a relatively small increase in premium.

A common tactic is to "stack" these plan to get additional coverage for hospital stays and surgery. In addition, we recommend the purchase of either a critical illness or cancer policy to supplement these plan.

You can add almost any of these plans together for additional coverage. The following two plans are excellent candidates to add to the prior plans or use alone.

For example, if you were in the hospital for three days with the combination of the Basic Plan 1000 and Basic Plan 375, you would receive $6750. After PPO repricing, this should easily cover the hospital bill with money left over (the money is paid directly to you).

The Basic Plan 375 adds considerably more coverage and it is only about $60 more a month (for an individual). This is an underwriten plan. You need to be employed 25 hours a week. It can be used with any of the plans listed here.

Basic Plan 375	Benefit
Daily Hospital Indemnity Benefit	$375/day
Intensive Care Benefit This is in addition to the daily hospital benefit	$750/day
Initial Hospitalization Rider This rider will pay you a fixed amount for your first hospitalization of 24 hours or more each year.	$2625 - pays you in addition to the daily hospital indemnity of $375 a day.
Outpatient Surgery	$750 per occurrence

The Basic Bridge Plan can be used with all of our plans except the Plan 400. It too adds additional features to any plan and is relatively inexpensive. You must be employed 27 hours a week for this plan. This is a guaranteed issue plan.

Basic Bridge Plan	Benefit
Daily Hospital Indemnity Benefit	$100/day
Initial Hospitalization Rider This rider will pay you a fixed amount for your first hospitalization of 24 hours or more each year.	$1,000
Accident Benefit	$100 for care rendered in an emergency Room or Doctor's Office for covered injury
Outpatient Sickness	$50 per visit/4 visits $75 for emergency room visit/4 visits
Maternity Covered?	Yes
Accidental Death & Dismemberment	$10,000
Cost for this plan is 48.35 per month

Ohio Temporary Health Insurance

Ohio Temporary health insurance plans do not have as strict underwriting guidelines as permanent plans. Typically, they only look back three years and some of them do not have weight questions. These plans can be held for as long as three years before you need to re qualify. There are no commitments with these plans and you pay from month to month. Click here for instant quote.

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