Ohio Short Term Health Insurance docx

<b>What Is Ohio Short Term Health Insurance?</b> <a href="http://www.ohioquotes.com/ohio-short-term-health-insurance- a20.html">Ohio Short Term Health Insurance</a> provides temporary medical coverage for healthy individuals and families. It is a flexible plan designed to protect against unexpected medical bills. Depending on the plan, coverages can be catastrophic, focusing mainly on major claims, or comprehensive, including some office visit and prescription coverages along with the expected major medical coverage. Policies can usually be issued for a month or as long as a year, depending on the specific need. <b>Who Needs Ohio Short Term Health Insurance?</b> Since coverage is only in effect for less than a year, the most common usage of a short term policy is by someone who was just laid off or currently unemployed. Also, an individual that has just changed jobs may be subject to a waiting period with the new group health plan. Although Cobra may be available, in many situations, it is extremely expensive and not affordable. A student or recent graduate may need short term coverage until they find a job that offers health benefits. If they have existing student health insurance, it is likely to expire when they are no longer a student. Also anyone without current Ohio health insurance may wish to consider a short term plan. This will provide valuable time to consider additional options, such as obtaining group health coverage or changing to a more comprehensive long-term plan. <b>What Does Ohio Short Term Health Insurance Cover?</b> Most Ohio plans insure major catastrophic claims, which may cover expenses such as daily hospital room and board charges, hospital charges for use of operating, treatment or recovery room professional fees of doctors and surgeons, ground ambulance service and diagnostic X-ray and lab tests. Additional coverages include prescription drugs, radiation therapy, outpatient surgery at an outpatient surgical center, ground ambulance service and cost and administration of anesthetic. Some companies, such as Medical Mutual of Ohio, offer limited office visit coverage that is subject to just small copay. <b>How Much Does This Coverage Cost?</b> Short term health insurance is the least expensive type of medical coverage. As an example, for a 40-year-old healthy male residing in the Columbus area, the monthly rate is just $46 (UnitedHealthOne) or $67 (Anthem). Both policies have a $2,500 deductible. UnitedHealthOne, however, charges a $20 application fee. The monthly rates for a family of three in the Columbus area (Male 40 Female 40 Child 7) are $93 and $182 respectively. Medical Mutual includes office visit coverage in their short term plans (subject to a $25 copay), although the rates would be higher than both Anthem and UnitedHealthOne. <b>How Do I Buy Ohio Short Term Health Insurance?</b> Applying and qualifying for coverage is quite fast and simple. There are no required physicals and most companies can approve a policy within 48 hours. Your eligibility is determined by answering a few medical questions usually less than 10. However, since short-term plans often provide less coverage than a permanent plan, special attention should be paid to the specific covered expenses and exclusions. Ohioquotes.com is Ohio's premier resource for Ohio short term health insurance plans. To apply for coverage, please visit ohioquotes.com or call (888)513 6446 for additional details. Your personal information is never shared with any other person or company. . <b>What Is Ohio Short Term Health Insurance? </b> <a href="http://www.ohioquotes.com /ohio- short- term- health- insurance- a20.html"> ;Ohio Short Term Health Insurance& lt;/a>. coverage in their short term plans (subject to a $25 copay), although the rates would be higher than both Anthem and UnitedHealthOne. <b>How Do I Buy Ohio Short Term Health Insurance? </b> Applying. covered expenses and exclusions. Ohioquotes.com is Ohio& apos;s premier resource for Ohio short term health insurance plans. To apply for coverage, please visit ohioquotes.com or call (888)513