Best Health Insurance Agencies in Columbus, OH

Columbus, OH Health Insurance FAQs

• Who is eligible to apply for the Medicaid program in Columbus?

  The Ohio Department of Health and Human Services provides Medicaid programs to residents of Columbus who are US citizens and are considered low or very low-income individuals and families. Senior adults aged 65 or older, pregnant people, and those responsible for a child one to 18 years old are eligible to apply. This program is also for individuals who are blind or have a physical or mental disability. Applicants can submit their application to the Ohio Department of Medicaid website.

• In Columbus, what do Health Maintenance Organizations entail?

  Health Maintenance Organizations are medical insurance programs in Columbus with monthly premiums paid by individuals and companies, and they cover comprehensive healthcare services from lab tests, doctor visits, and X-rays to emergency care, therapy, and hospital stays. In addition, out-of-pocket costs under this plan are predictable and generally lower. However, HMOs only finance medical expenses from their network providers.

• How can you qualify for the special enrollment period of the City of Columbus' Health Plan?

  Under the special enrollment period of the City of Columbus' Health Plan, individuals can purchase healthcare coverage or terminate their policies if they face legal separation or divorce, if their dependent reaches 26 years old, and if their spouse dies. Policyholders who want to change employment status and those who suffered a loss of coverage from the exhaustion of another employer's COBRA benefits are also eligible. However, paperwork must be finished within 30 days of the qualified event date.

• How do low-income policy buyers in Columbus decrease their health insurance premiums?

  According to the Affordable Care Act, policy buyers can lower their health insurance premiums by receiving subsidies called premium tax credits if their household income is between 100% and 400% of the federal poverty line in Columbus. Individuals can also qualify for the Consolidated Omnibus Budget Reconciliation Act, in which their employer is responsible for paying a portion of their health insurance premiums.

• Are Ohio State University students required to obtain health insurance plans in Columbus?

  In Columbus, domestic students of Ohio State University who are enrolled in a degree program or study at least half-time must have an annual and active health insurance plan. These students include undergraduates, with courses taken as audit and designated as continuing education, and those with online academic degree programs. Meanwhile, international students should obtain the student health benefits plan, as travel and non-US-based insurance plans are not allowed.