Ohio Health Insurance for individuals is something that is not guaranteed. Companies in the state have been given legal rights to deny coverage to any particular individual. Companies basically do this if the person has some pre-existing medical complications which the company might perceive to be high risk. Every year during the month of January which is also the month of enrollment, all the companies dealing in insurance are supposed to accept all the applications that they receive on a guaranteed basis. The basic plan and the standard plan have to be offered on a guaranteed basis during this period of enrollment.

The standard plan has a maximum of $1 million during the lifetime and $750 will be deducted annually. A person is eligible to apply for a guaranteed issue plan only if he/she is deemed to be ineligible for a group Ohio health insurance plan. All the insurance companies in Ohio that offer health plans are usually underwritten throughout the year. It is up to the insurance company whether it wishes to position an elimination rider on fresh plans that excuses them from paying up benefits on a particular pre-existing medicinal situation.

If someone wants to claim something on the basis of a pre-existing condition from the insurance company, then the company might look into the medical record of the concerned person for the past 6 months before allotting the benefits. With Ohio health insurance, a person who is employing anywhere between 2-50 people is eligible to receive the small group Ohio health insurance. These plans are basically guaranteed issues, thus the question of denial does not come into the picture. Employers in the state who have more than 20 employees have to obey the federal COBRA regulations, which allow an employee who plans to leave the organization to continue with the group health plan for a duration of 18 months.

All the details have been mentioned in the above article. For any further information related to health insurance, a person can contact the office whose address is given below:

Ohio Department of Insurance
50 W. Town Street, Suite 300, Third Floor
Columbus, OH 43215
Phone: (614) 644-2658
Consumer Hotline: (800) 686-1526