Current Events Health
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Ohio health insurance requirements by Jim Zuccaro
Ohio Health Insurance Plans – What Does Ohio Require Your Health Plan Provide You?
By: Jim Zuccaro
Ohio health insurance plans have requirements mandated by the state of Ohio legislation, and benefits that are not mandated or regulated. Knowing what is and is not covered by law can help you determine how good your policy really is. For example, prescription drug coverage is not required in health plans. Mental health coverage is required in any policy. HMOs are required to have well-child coverage, and traditional plans must help pay for certain routine benefits for children. Additionally, mentally handicapped or impaired children have specific benefits as well. Domestic partners are not required to be covered by law. Plans will likely require pre-certification in the case of hospitalization, but cannot require notification before emergency care.
While prescription drug coverage is a valuable and desirable option in Ohio health insurance plans, it is not required by Ohio law. Even if the coverage includes this benefit, it can exclude specific drugs or a specific class of drugs. In fact, it’s likely your plan will have a formulary – a list of the drugs it will pay for, if it does cover prescription drugs. On the other hand, the coverage for diagnosing and treating biologically-based mental illness is required by Ohio law. Except in limited circumstances, the same terms and conditions apply the same as other physical disorders.
Well-child coverage means that certain benefits for children, such as complete physical exams, developmental assessments, anticipatory guidance, lab tests, and immunizations from birth through age eight are required. The limit is $500 in benefits the first year, and $150 every year after that, through age eight. Normally Ohio health insurance plans for dependent children ends when the child reaches age 19 through 23, depending on circumstances. In the case of mentally impaired or handicapped children though, coverage is required for as long as the child depends on the policy holder for care.
While this may or may not change in the future, currently Ohio health insurance plans are not required to cover domestic partners as part of a family plan. However, such coverage is not prohibited either, for health insurance plans or for private employers. Lastly, when a person is going to check in to a hospital, your insurer may require you to tell the plan before you do. This is called pre-certification, and can also apply when you have outpatient elective surgery. However, this cannot be required in the event of emergency medical care or emergency admission for treatment.
Jim recommends visiting this updated site about OHio Car Insurance information and coverage options available.
For More Information Regarding Car Insurance quotes visit this site at http://www.summitinsurance.com
About the Author
Jim resides in Hudson, Ohio with his family. He has been in the insurance business since 1984, and holds a degree in Risk Management and Insurance from the University of Florida. Jim is active as a consumer adviser on insurance issues.
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