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Buying Health Insurance In Ohio

Apr 30, 2013

BMCC Insurance - health insurance in Ohio

People in Ohio are given a high level of coverage when they purchase health insurance from a state registered insurance provider because of the requirements established by the Ohio Department of Insurance.

Ohio is the seventh most populace state in the United States with an estimated population of about 11.55 million residents spread over 44,825 square miles of state territory.

People in Ohio are given a high level of coverage when they purchase health insurance from a state registered insurance provider because of the requirements established by the Ohio Department of Insurance. Here is a list of the requirements.

Alcohol Treatment: There must be a minimum of $550 a year in alcohol treatment whether inpatient or outpatient.

Mental Illness: On an outpatient basis, there is a requirement for $550 per year for treatment. This applies only if the policy covers in-hospital treatment of mental illness.
Kidney dialysis : If an insurer provides coverage for dialysis in a hospital, it must also provide the same coverage for dialysis on an outpatient basis.

Specific practitioners: Health policies in Ohio cannot discriminate against particular health professionals. It must pay any licensed professional who legally performs a service. This includes chiropractors, dentists, nurse-midwives, mechanotherapists, osteopaths, optometrists, podiatrists, psychologists.

Generic drug use: If a policy covers prescription drugs, it must pay for any legally approved drug prescribed by your doctor even if it has not been approved by the government for treating your particular medical problem or disease.

Pregnancy and Maternity: Insurance companies do not have to offer maternity benefits, However, when it is provided, it may never be considered a pre-existing condition. Although, under certain conditions, an insurer may impose a 270-day waiting period before providing maternity benefits.

Mammograms: Every major medical policy group and individual must cover mammograms for breast cancer screening in adult women.

The frequency varies depending on age:

Age: 35-39 One only

Age: 40-49: One every two years unless your doctor has reason to believe you are a high risk for breast cancer

Age 50-64: one a year.

This is subject to a maximum of $85 per covered mammogram.

On our website you can find lots of information on health insurance and other related topics. The application for insurance will only take about five minutes, and you will get the best quote available.

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