Health insurance reform will help more people in Ohio to get coverage. As the changes slowly come into place, it is important to know how to buy the right Ohio health insurance plan for your family.
The passing of the Patient Protection and Affordable Care Act in
March 2010 has brought about many changes in America’s health insurance
system. These changes will come into effect over the next four years and
beyond, and will affect the way individuals and businesses buy health
insurance. New reform is expected to help more than 100,000 uninsured
adults in Ohio get coverage. As the changes slowly come into place, it
is important to know how to buy the right Ohio health insurance plan for
your family.
Things You Need to Know Before You Buy
Ohio Health Insurance
New reform makes it compulsory for
all individuals to have health insurance coverage. Things you need to
know before you buy an Ohio health plan:
• People with
pre-existing conditions who purchase individual health policies through
open enrollment can get insurance coverage more easily. There are limits
as to how much insurers can charge people with pre-existing or chronic
conditions, diabetes and cancer
• Unmarried children can stay
on their parents’ plan up to age 28
• Health insurance must
provide free preventive care for blood pressure and cholesterol tests,
cancer screenings, routine vaccinations, flu and pneumonia shots,
well-baby and well-child visits, and specific types of counseling
• Starting 2014, Health Insurance
Exchanges will make it easier for individuals and small businesses to
buy affordable health plans
• More Ohio residents will become
eligible for Medicaid
• Subsidies will be provided to help
people afford health insurance
• There are no lifetime limits
on your benefits or the amount your insurance company will pay. Annual
limits will disappear completely starting 2014
• You can
choose the doctor or specialist you want to see from your plan’s network
• There is no need for approval for emergency care at an
out-of-network hospital
How to Buy the Right Individual
Health Insurance Plan
The best way to buy an Ohio health insurance plan is to depend on a
licensed health insurance broker. They represent leading health
insurers and can help you find an affordable plan to meet your
requirements. Their websites are where you can make comparisons between
various plans. Brokers are paid by the insurance companies they
represent and do not charge a fee for the services they provide. A
reliable broker would offer you comprehensive guidance to choose a plan,
and apply and enroll in it. They can help you understand the changes in
the health insurance scene so that you can buy the right health
insurance Ohio plan for your family.
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Tracy Mc Manamon is a licensed Ohio health insurance agent and the CEO of One Source Benefits. He and his team members help clients take an informed decision while choosing an affordable and comprehensive Ohio health insurance plan.
