Buying short-term Ohio medical insurance is one of the wisest options to consider when you are between jobs or waiting for employer coverage to start
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.
