Health Insurance Ohio Open Enrollment

Ohio Residents Benefit by Health Insurance Ohio Open Enrollment Period

If you need health insurance coverage and live in Ohio , you are granted certain rights under law to obtain needed coverage especially during the health insurance Ohio open enrollment program. First, it helps to know how insurance companies write policies. When you apply for health insurance, the health insurance company will ask lots of questions to determine if you are a likely candidate to need few or many health care services. This process known as underwriting is an attempt for the insurance company to enroll people who are not likely to be at substantial health risk and therefore will have low or infrequent claims. For this reason, most people with heart disease, diabetes, AIDS, cancer, stroke, epilepsy, and alcoholism can find it next to impossible to get health care coverage. However under Ohio state law, there is an open enrollment period during which you cannot be denied coverage no matter how much of a financial risk you might be to a health insurance company.

How It Works: Health Insurance Ohio Open Enrollment

To obtain health coverage during the open enrollment period, you cannot be on Medicare, Medicaid or covered by a conversion or continuation plan provided by an employer. Also to qualify for the health insurance Ohio open enrollment plan, you cannot apply if you are in the hospital at the time for chronic illness or i nj ury. If you meet these requirements, you may be eligible for health coverage with any insurance company operating in Ohio which offers major medical plans. Open enrollment rules apply to individual plans and some managed care plans. Open enrollment beings each year on January 1 and ends when the new members represent one-half percent of the company's total enrollment.

Where to Learn More about Health Insurance Ohio Open Enrollment

A comprehensive guide and in depth consumer information about health coverage and the Ohio open enrollment plan can be obtained from the Consumer Services Department of the Ohio Department of Insurance at 1-800-686-1526 or by visiting www.ohioinsurance.gov .

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