Buying Health Insurance In Ohio

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Buying Health Insurance in Ohio


Overview


Ohio residents can benefit from protections established by the Ohio Department of Insurance when purchasing health insurance from a state-licensed insurer. Here are some key standards to keep in mind:

Alcohol Treatment

Insurers must provide at least $550 per year for alcohol treatment, whether inpatient or outpatient.

Mental Health

Policies covering hospital treatment for mental illness must also include at least $550 per year for outpatient mental health treatment.

Kidney Dialysis

If an insurer covers hospital-based dialysis, it must also offer the same coverage for outpatient dialysis.

Practitioner Coverage

Health policies in Ohio cannot discriminate against licensed health professionals. This includes chiropractors, dentists, nurse-midwives, mechanotherapists, osteopaths, optometrists, podiatrists, and psychologists.

Generic Drug Use

If a policy covers prescription drugs, it must pay for any legally approved drug prescribed by a doctor, even if not officially approved for the specific condition being treated.

Pregnancy and Maternity

While insurers don't have to offer maternity benefits, when provided, it cannot be regarded as a pre-existing condition. Insurers may, however, impose a 270-day waiting period before covering maternity benefits.

Mammograms

All major medical policies must cover mammograms for breast cancer screening in adult women. The frequency varies by age:

- Ages 35-39: One mammogram
- Ages 40-49: One every two years, unless there is a high-risk factor
- Ages 50-64: One each year

Coverage is subject to a maximum of $85 per mammogram.

For more information about rates and coverage, consider consulting recommended insurance quote companies, offering insights for most of the lower 48 states.

You can find the original non-AI version of this article here: Buying Health Insurance In Ohio.

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