Understanding Your Ohio Health Insurance Coverage
When you’re considering an Ohio health insurance plan, it’s important to know
the extent of the benefits offered. Once you understand your benefits, get
professional guidance to request an Ohio health insurance quote.
If you are looking for health insurance in Ohio, you may need to look at a few
plans, understand their benefits, and compare them. Some plans pay for only what
they regard as ‘medically necessary’. Medical necessity means a course of
treatment that current medical practice considers appropriate for a particular injury
or sickness. Understanding your Ohio health insurance coverage and knowing
eligible benefits helps avoid claim disputes. Once you understand your benefits,
get professional guidance to request an Ohio health insurance quote.
Coverage for Different Conditions
• Pre-existing health conditions: If you have a pre-existing medical condition
like heart disease, high blood pressure, cancer, type 2 diabetes, or asthma,
you can find health insurance in Ohio that covers it. Health reform ensures
that insurers cannot deny coverage to children because of a pre-existing
condition. Starting in 2014, they are prohibited from covering anyone with
a pre-existing condition. Insurance companies will also be prevented from
charging higher premiums because of health status or pre-existing
• Surgery: Most Ohio health insurance plans would cover a large portion of
the cost of the surgical procedures that are considered medically necessary.
Of course, the extent of coverage varies among plans. So a good strategy
would be to ask your surgeon for the breakdown of costs. Compare the
covered and excluded costs for care for plans before choosing one. When
you calculate costs, don’t forget to include expenses for the surgeon’s fee,
pre-operative tests, possible blood or other infusions, anesthesia, operating
and surgical assistants, hospital stay, nursing care, and so on. Elective
surgeries like a rhinoplasty or nose surgery, for instance, would be covered
if it can improve your breathing problems.
• Pregnancy: The extent of coverage for a normal pregnancy would depend
on your location, where you get prenatal care, and your insurer. Most plans
cover some of the cost. Generally, the average costs of a normal pregnancy
and delivery are lower in Ohio compared to that in states on the east and
west coasts. Delivery by cesarean section is higher than for a normal
In Ohio, health plans providing maternity benefits must cover inpatient care
and follow-up care for a mother and newborn. Services provided include
medical, educational, and any other services in accordance with the
protocols and guidelines developed by recognized national organizations.
Coverage is provided for the physical assessment of the mother and
newborn, medically necessary clinical tests, and more. Some Ohio health
plans do not provide maternity coverage.
Get Health Insurance in Ohio with Professional Guidance
The best way to understand Ohio health insurance plans is to seek guidance from a
licensed, experienced and trusted health insurance broker. Getting an Ohio health
insurance quote is easy with their help. In fact, you can get quotes from many
Ohio health insurance companies and request your agent for guidance to compare
them and choose the right option. Getting affordable and comprehensive Ohio
health insurance in Ohio is possible with the right guidance.
About the Author/Company
Tracy McManamon offers ohio health insurance plans for
individuals, families, employees and students.He is a licensed
health insurance consultant in Ohio with over 25 years of
experience. Call Toll Free 877-549-1212 or visit
http://www.onesourcebenefits.com/ for more details.