Ohio: Health Insurance Options and Details

Pivot Health is proud to offer quality short term health insurance coverage to Ohio residents in need of temporary health insurance.

Pivot Health’s short term medical plan provides comprehensive benefits coverage for doctor visits, in-hospital care, urgent care facility visits and much more.  Other key features for Ohio residents include:

  • Comprehensive coverage at an affordable price – Pivot Health’s short term health insurance provides many of the same benefits as individual major medical plans, at rates up to 50 percent less.
  • Flexible duration of coverage – choose the period of time that you will need coverage.
  • No network restrictions – enjoy the freedom of seeking treatment from any doctor or hospital to access your plan benefits.
  • Quick, easy application process – Pivot Health has a user-friendly online application process.  You’ll know within minutes of applying if you have been approved for coverage.
  • Coverage when you want it – qualified applicants can select their coverage start date, even as quickly as 24 hours from the time of application.

With Pivot Health’s short term medical plan, you also receive several non-insurance benefits, including:   

Unlimited access to discounted telehealth doctor consultations.  Make the most of your precious time and skip the waiting room. Talk directly with a doctor whenever and wherever it works for you – telehealth consultations are available 24/7.  Priced at just $49 per consultation, you may save money compared to a standard office or urgent care facility visit.

Savings on eyewear and eye care.  With discounts of 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses, it’s easy and affordable to maintain good eye health.

Significant discounts on prescription drugs.  You can save up to 75 percent on prescription drugs at thousands of pharmacies across the country, making it easier to pay for prescription medication purchases.  

Ohio Health Insurance Exchange Challenges

A recent County Health Rankings report shows that approximately 13 percent of Ohioans under age 65 have no health insurance, higher than the average national uninsured rate of 9.1 percent.  The report shows a broad range of uninsured rates by county:  Delaware County reports a low 7 percent uninsured rate, while Holmes County’s rate is more than triple that at 24 percent.

2017 saw changes in the carriers providing plans through the health insurance exchange.  Aetna and All Savers/Unitedhealthcare completely withdrew from the market, and InHealthMutual was purchased by HealthSpan.  InHealthMutual was one of the 23 Consumer Oriented and Operated Plans (CO-OPs) created under the Affordable Care Act with federal grant money.  InHealthMututal was liquidated in May of 2016, and enrollees were granted a special enrollment period to find a new insurance plan.

Despite the carrier changes, Ohio still has 11 insurance carriers providing coverage through the exchange.  One concern, however, is the reduction in carrier options throughout various parts of Ohio.  In 2016, exchange enrollees in all 88 counties in Ohio could choose from at least four insurance carriers.  Starting in 2017, 27 counties were reduced to two carrier choices, and 20 counties have only one carrier.

In recent remarks on the Senate floor, U.S. Senator Rob Portman (R-OH) cited rising premium rates and deductibles for exchange plans as a major stressor for Ohio enrollees.  Since 2013, the Ohio Department of Insurance has reported that rates have increased a 91 percent increase in the individual market over the past six years; small businesses have seen an 80 percent increase. The average increase for exchange plans in 2017 is 13 percent.  Portman also referenced a Kaiser Family Foundation study which indicates that the average deductible for a mid-level exchange plan has increased approximately 25 percent over the past year.

A higher-than-national-average rate of uninsured residents, reduced insurer carrier options, and rising premium and deductible rates, all underscore the importance of offering Ohioans access to a broader range of health insurance choices.  

Pivot Health offers residents of the Buckeye State a short term health insurance option that may meet their coverage needs and budgets.  This type of plan provides comprehensive benefits coverage, with no network restrictions, at rates significantly lower than those of major medical insurance plans.   

A Report on Ohio’s Well-Being

A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state.  Ohio ranked 45th out of the 50 states, based on survey responses to questions covering different categories of well-being.  

Ohio residents reported poor scores for the following categories (ranked 39th, 40th, 42nd and 43rd respectively) for:

  • Community: liking where you live, feeling safe and having pride in your community
  • Social: having supportive relationships and love in your life
  • Physical – having good health and enough energy to get things done daily
  • Purpose: liking what you do each day and being motivated to achieve your goals

However, Ohio scored a ranking of 31st in the Financial category, with residents responding positively about managing their economic life to reduce stress and increase security.  

The State of Health in Ohio  

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Ohio an overall ranking of 32 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.

The Commonwealth Fund’s Scorecard rated Ohio in several areas, including:

  • Uninsured adults aged 19 to 64: 13th ranking (9 percent in Ohio, compared to U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  11th ranking (4 percent, compared to the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  13th ranking (11 percent in Ohio, compared to the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  20th ranking (14 percent, the same as the U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  19th ranking (12 percent in Ohio, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year: 20th ranking (15 percent, compared to U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  34th ranking (66 percent in Ohio, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  18th ranking (69 percent, compared to U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 42nd ranking (22.6 in Ohio, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 40th ranking (15.9 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  13th ranking (12.6 percent in Ohio, compared to U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations: 17th ranking (24 percent, compared to the U.S. average of 26 percent)
  • Adults who smoke:  43rd ranking (22 percent in Ohio, compared to the U.S. average of 17 percent)
  • Adults who are obese: 22nd ranking (30 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 27th ranking (31 percent in Ohio, the same as the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  38th ranking (13 percent, compared to U.S. average of 10 percent)

Ohio received positive rankings in several health sectors, including:

  • Adults with a usual source of care
  • Children with medical and dental preventive care visits in the past year
  • Children with emotional, behavioral, or developmental problems who received needed mental health care in the past year
  • Medicare patients whose health provider always listens, explains, shows respect, and spends enough time with them
  • Hospitalized patients given information about what to do during their recovery at home
  • Home health patients who improved at walking or moving around

2017 Health Insurance Plans Available in Ohio

Ohio uses the federally-run health insurance exchange.  There are eleven insurance carriers participating on the exchange in 2017.  These carriers include:

  • AultCare Insurance Company
  • Buckeye Community Health Plan
  • CareSource
  • Community Insurance Company
  • Consumers Life Insurance Company
  • Humana Health Plan of Ohio
  • Medical Health Insuring Corp. of Ohio (Medical Mutual)
  • Molina Healthcare of Ohio, Inc.
  • Paramount Insurance Company
  • Premier Health Plan, Inc.
  • Summa Insurance Company

Medicaid Enrollment in Ohio

Under the provisions of the Affordable Care Act, Ohio expanded its Medicaid coverage on January 1, 2014.  The expansion, referred to as Group VIII coverage, allows individuals under age 65 to qualify for Medicaid with an income up to 138 percent of the Federal Poverty Limit (FPL).  Before that date, individuals were ineligible for Medicaid if their income exceeded 90 percent of the FPL.

The Ohio Department of Medicaid recently released a report which includes the following statistics:

  • 702,000 individuals qualified and enrolled in the Group VIII Medicaid program
  • The state has experienced its largest decline in the uninsured rate for low-income, non-senior adults, and now stands at a record low rate of 14.1 percent
  • Nearly half of the Group VIII enrollees reported an improvement in their overall health status since enrolling in Medicaid
  • After obtaining Medicaid coverage, 27 percent of enrollees were diagnosed with at least one chronic health condition, which, along with reports of improved health care access, suggest that enrollees have become more likely to receive needed appropriate care

Program advocates have expressed concern about maintaining health care coverage for these enrollees as talks continue in Washington about the possibility of repealing and replacing the Affordable Care Act.  However, the Trump administration has suggested providing states with block grants for operating their own Medicaid programs, reducing federal restrictions on each state’s plan operation.  Those in support of this approach says that it gives states greater flexibility to make their own Medicaid programs work better for them.

An Affordable Health Care Coverage Option:  Short Term Medical

Ohioans who do not have health insurance should take a closer look at Pivot Health’s short term health insurance.  It provides you the comprehensive medical coverage to meet your benefit and budget needs.

Pivot Health:  offering you choices and flexibility to meet your needs over time.

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