Ohio Home Health Care Agencies

Most of the Ohio residents do actually not realize that they have an open enrollment for health insurance that is available most of the year. The health care agencies like Ohio Department of Insurance, offer people the Health Maintenance Organizations (HMO) coverage to applicants who may be unable to secure their own coverage for a variety of reasons including health issues. Health Maintenance Organizations offer an alternative to conventional health care insurance. It is a service in which people receive their basic health care from specific doctors and hospitals. Health Maintenance Organizations accept individual people during their Open Enrollment Period regardless of any pre-existing health conditions.

Health Maintenance Organizations may refuse to accept people that have or are eligible for coverage as a federally eligible individual; under group continuation coverage; as a Medicare recipient (some plans will cover this group); or has employer sponsored health coverage. People should keep the fact in mind that they must live in the Health Maintenance Organization service area to apply as the health care insurance coverage may not start until 90 days after the month of enrollment;

An Health Maintenance Organization may be granted a waiver or limit for their open enrollment period.

To enroll, people need to call the Health Maintenance Organization serving their county at the beginning of their expected date to confirm their scheduled open enrollment will take place; then should apply early as applications are taken on a first come basis. People may request an application be mailed to their home address; they do not have to apply in person. The people of Ohio actually thanks to raising the medical health care costs, health insurance rates are at an all-time high. But there are a number of places where people can get cheap health insurance in Ohio.

The first thing people need to look at when considering health insurance in Ohio are the types of insurance that are available. There are four basic health care insurance service plans available, the Health Maintenance Organizations, which set people up with a network of doctors and hospitals that provide their health care. People must choose a primary health care physician who oversees their care and refers them to specialists, and they are only allowed to see physicians within their network. Health Maintenance Organizations are in fact the cheapest of all the health care plans. They have comparatively low co-payments, usually $5 to $10 per doctor visit, and involve the least amount of paperwork.

Second is the Preferred Provider Organizations (PPOs) which is imilar to Health Maintenance Organizations, these plans set people up with a network of health care providers, but unlike Health Maintenance Organizations people may see specialists within the network without getting permission from their primary care physician. The third is Point of Service Plans (POSs) which also set people up with a network of health care providers, but, for an additional fee, people may see a physician who is not part of the network. And the fourth is Indemnity Plans that let people to choose their own doctor and hospital, and they can visit any specialist they choose.

• Felicia Byrnes
• 10/02/2009, 10:59 PM
• 0 Comments