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Having health insurance is no longer an option – it’s a necessity. If you are employed, you would be covered by an employer-sponsored plan, though now you could be paying a higher share of the coverage than before. As with the rest of the U.S., the Ohio job market has been hit by the economic crisis. Though a recent Morgan Chase survey shows that employment is expected to strengthen in the Ohio economy, college graduates may have to wait a while till they find a job. Even those who are lucky enough to land one may find that they have to wait a while before employer coverage begins. At a time like this, buying short-term Ohio medical insurance is a wise decision. Coverage under a Short-term Ohio Medical Insurance Plan Ohio health insurance companies offer affordable short-term or temporary health coverage to meet the short-term needs for people who are between jobs, waiting for employer coverage to start, new graduates (who are not covered by a parent’s plan), and foreigners living temporarily at a U.S address. Points to note: • Temporary health insurance policies are designed for people who are healthy
• They provide coverage for a period of one to six months
• They cover emergency medical bills, hospital care, doctor’s office visits, and diagnostic tests
• They do NOT cover pre-existing medical conditions and preventive care. Prescription drug coverage is offered only for an accident or illness that occurs during the coverage period
• One of the greatest advantages of a temporary policy is that you can qualify with almost no underwriting questions
• Coverage can be immediate and start the next day. Reliable Ohio Short-term Health Insurance Options
Leading Ohio health insurance companies such as Medical Mutual of Ohio, United Health One, Assurant Health, Humana and Anthem Blue Cross Blue Shield offer affordable short-term coverage options. The plans are quite comprehensive too. For instance, a short-term plan from Anthem Blue Cross Blue Shield even covers surgery such as human organ and tissue transplant up to $1,000,000, 50% of the covered services after the deductible for durable medical equipment, and up to 40 visits for home health care. Medical Mutual of Ohio short-term plans feature extensive coverage with co-pays for doctor visits. United Health One offers a choice of ‘Value’ and ‘Plus’ short term plans, with the former offering lower benefits and lower premiums. The short-term plans from Assurant Health are competitively priced and also probably the easiest to qualify for in Ohio. Humana, the leader in short-term policies nationwide, offers access to an extensive network of providers in several states. Choose a Short-term Policy that Meets Your Needs Consult your Ohio health insurance broker when you are buying short-term Ohio medical insurance. Remember that these plans offer temporary protection until you secure more permanent coverage and are not renewable. So it is also highly advisable to talk to your broker about choosing the right Ohio individual medical insurance plan when your short-term coverage ends.
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