The Ohio Department of Insurance has established regulations that provide health insurance in Ohio with certain protections when purchasing health insurance from a state-licensed insurer. The following are some guidelines to keep in mind when purchasing insurance:
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Alcohol Treatment:
Whether inpatient or outpatient, alcohol treatment must cost at least $550 annually.
Mental Illness:
An annual treatment fee of $550 is required for outpatient care. This only applies if the insurance covers mental illness inpatient treatment. For more research click here.
Kidney dialysis:
If an insurer offers hospital-based dialysis coverage, it is also required to offer outpatient dialysis coverage.
Specific practitioners:
Health care professionals cannot be singled out for discrimination under Ohio law. Any licenced professional who lawfully provides a service must be paid by it. Among them are psychologists, chiropractors, dentists, nurse-midwives, mechanic therapists, osteopaths, optometrists, podiatrists, and nurses.
Use of generic drugs:
If an insurance includes prescription medications, it must pay for any medication that is legally authorised and recommended by your doctor, even if the government has not approved it for the treatment of your specific illness or medical condition. For more health tips visit our site ArticlesHubs.
Maternity & Pregnancy:
Although health insurance in Ohio companies are not required to give maternity benefits, they may never be regarded as a pre-existing condition when they do. However, an insurer may impose a 270-day waiting period before granting maternity benefits under certain circumstances.
Mammograms:
Mammograms for breast cancer screening in adult women must be covered by every significant medical insurance group and person.
The frequency changes with age:
Age: 35-39 only one
Age: 4-49: Unless your doctor has cause to suspect you have a high risk for breast cancer, one every two years.
One every year for people 50 to 64 years old.
A maximum of $85 can be spent on each covered mammography.
Please see the list of insurance quote providers below. They are also excellent resources for details on prices and insurance coverage for the majority of the lower 48 states. May you can see about Recognizing Health Insurance Fraud – Buyer Beware.
