Haris Ashley
If you're looking to apply for medical insurance in Ohio, there are several options available to you. Firstly, you can explore the Health Insurance Marketplace, which offers a range of healthcare plans, including Ambetter by Buckeye Health Plan, which provides affordable coverage for individuals and families. Additionally, Ohio offers Medicaid managed care plans, such as CareSource, which are tailored to meet your personal healthcare needs. You can also consider private insurance providers like Anthem, which offers individual and family health insurance plans, or Cigna, which provides a range of insurance products focusing on physical and emotional well-being. Understanding your specific needs and budget will help guide your decision in choosing the right medical insurance plan in Ohio.
| Characteristics | Values |
|---|---|
| Medicaid | Available for eligible Ohioans with low income, pregnant women, infants and children, older adults, and individuals with disabilities |
| How to apply for Medicaid | Apply online using the self-service Ohio Benefits Portal, by calling the Ohio Medicaid Consumer Hotline (1-800-324-8680), or by visiting your local Department of Job and Family Services (JFS) office |
| Anthem | Offers individual and family health insurance plans in Ohio |
| Buckeye Health Plan | Offers affordable health care coverage for individuals and families, called Ambetter |
| The Affordable Care Act (ACA) | Offers financial help or a health insurance subsidy based on income to help reduce healthcare costs |
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What You'll Learn
Medicaid for low-income, pregnant, disabled, or older Ohioans
Ohio's Medicaid program provides health care coverage for eligible low-income Ohioans, pregnant women, infants and children, older adults, and individuals with disabilities. The program is jointly funded by the state and the federal government.
To be eligible for Medicaid in Ohio, you must meet certain income and asset requirements. These requirements vary depending on the specific category of eligibility. The Ohio Department of Medicaid reports beneficiaries and expenses under four eligibility categories:
- Covered Families and Children (CFC): Pregnant women, infants, and children fall under this category. Pregnant women are eligible with incomes up to 200% to 205% of the poverty level, and coverage for the mother continues for 12 months after the baby is born. Children are eligible with incomes up to 206% to 211% of poverty.
- Group VIII, Expansion Population: This group includes childless adults with incomes at or below 138% of the federal poverty level.
- Aged, Blind, and Disabled (ABD): Certain low-income individuals who are blind, disabled, or aged 65 and above fall under this category. These individuals must also have low asset/resource levels to qualify for Medicaid.
- Long-term care for Ohio residents aged 65 and older: This category includes three types of Medicaid long-term care programs:
- Institutional/Nursing Home Medicaid: Provides benefits only in nursing homes.
- Medicaid Waivers/Home and Community-Based Services (HCBS): Provides services at home, adult day care, or assisted living to delay or prevent nursing home admissions.
- Regular Medicaid: Meeting the eligibility requirements ensures assistance for aged, blind, or disabled individuals.
You can apply for Medicaid in Ohio online using the self-service Ohio Benefits Portal or the HealthCare.gov website. You can also apply by calling the Ohio Medicaid Consumer Hotline at 1-800-324-8680 or by visiting your local Department of Job and Family Services (JFS) office.
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Applying via the Ohio Benefits Portal
Applying for medical insurance in Ohio can be done via the Ohio Benefits Portal, a self-service online platform. This method allows you to apply for Medicaid health care coverage, which is available for eligible Ohioans with low incomes, including pregnant women, infants, children, older adults, and individuals with disabilities.
To begin the application process, visit the Ohio Benefits Portal website and create an account if you don't already have one. Once you're logged in, you'll need to provide personal information, such as your name, date of birth, Social Security number, and household income. You may also be asked about your current health status, any existing medical conditions, and your employment situation. It is important to answer these questions accurately and truthfully to ensure you are provided with the most suitable insurance plan.
After submitting your application, you may be asked to provide additional documentation to verify the information you've provided. This could include items such as pay stubs, tax returns, or proof of citizenship or residency. Again, make sure to submit these documents promptly to avoid delays in processing your application.
Once your application has been reviewed, you will be notified of your eligibility for Medicaid. If you are deemed eligible, you will be able to choose a specific Medicaid plan that suits your needs. These plans are designed to provide personalized care and meet your healthcare requirements. You can explore the available managed care plans and enroll online or by contacting the Ohio Medicaid Consumer Hotline.
Additionally, if you have any questions or require assistance during the application process, you can always reach out to the Ohio Medicaid Consumer Hotline at 1-800-324-8680 or visit your local Department of Job and Family Services (JFS) office for in-person support. They can provide guidance and ensure you have all the necessary information to complete your application successfully.
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Buckeye Health Plan's Ambetter option
If you're looking for health insurance in Ohio, Buckeye Health Plans' Ambetter option is one of many choices available to you. Ambetter from Buckeye Health Plan is a Health Insurance Marketplace product line from Centene Corporation, which is the parent company of Buckeye Health Plan. Buckeye Health Plan has been providing Medicaid and other government health services since 2004.
Ambetter from Buckeye Health Plan offers qualified health insurance plans to Ohio residents at 3 metal levels: Ambetter Essential Care (Bronze), Ambetter Balanced Care (Silver), and Ambetter Secure Care (Gold). Buckeye's Ambetter health plans provide comprehensive coverage that includes essential health benefits, and some plans also include adult vision coverage.
You can conveniently enrol in Ambetter from Buckeye Health Plan online through their website. The platform is accessible on mobile devices, so you can enrol using your smartphone. On the website, you can browse and compare coverage options, determine your eligibility for financial subsidies, and directly enrol in the plan that suits your needs. If you are unable to complete the enrolment process in one go, the system will save your progress and provide reminders for you to finish enrolling.
Additionally, Ambetter from Buckeye Health Plan offers the My Health Pays® program, where members can earn points and rewards for practising healthy habits and completing health-related activities and challenges. These rewards can be used for health-related expenses, such as copays and deductibles.
To get started with finding the right Ambetter plan for you, you can download the Ambetter Health App or visit their website, ambetterhealth.com/en/oh/, to explore the available options and enrol during the open enrolment period.
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Anthem's individual and family plans
Silver health insurance plans have average monthly payments and a lower deductible than Bronze plans. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer cost-sharing reductions for those who qualify. Gold plans, on the other hand, have higher monthly payments but an even lower deductible. They are best suited for those with regular and ongoing healthcare needs.
With Anthem, you can find plans that cover medical, dental, vision, pharmacy, and mental health needs. You can also take advantage of their Smart Rewards program, where you can earn gift cards by completing health and wellness activities. Additionally, Anthem offers virtual care visits through the Sydney Health app, where you can connect with board-certified doctors from the comfort of your home.
To get started with Anthem, you can visit their website to get a quote for health coverage and explore the different plan options available in your area. Their experts are available to help you choose the right plan based on your unique needs and budget. You can also log in to your account to renew your plan or compare options.
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CareSource Medicaid
CareSource is the most popular plan for Medicaid in Ohio. It is chosen by more Ohioans than all other plans combined. This is because CareSource offers more than just quality healthcare. It cares about you and your family's health and well-being.
If you are eligible for Medicare Parts A and B and Medicaid and live in the service area, you may join CareSource MyCare Ohio. This is a Medicare-Medicaid plan that delivers extra benefits and coordinated care for patients and caregivers, giving patients more coverage and caregivers more options.
You can apply for CareSource Medicaid online using the self-service Ohio Benefits Portal, by calling the Ohio Medicaid Consumer Hotline at 1-800-324-8680, or by visiting your local Department of Job and Family Services (JFS) office. If you get assigned to a health plan other than CareSource, you can switch within 90 days by calling the Ohio Medicaid Consumer Hotline.
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Frequently asked questions
Medicaid is a healthcare coverage option for eligible Ohioans with low income, pregnant women, infants, children, older adults, and individuals with disabilities.
You can apply for Medicaid online using the self-service Ohio Benefits Portal, by calling the Ohio Medicaid Consumer Hotline at 1-800-324-8680, or by visiting your local Department of Job and Family Services (JFS) office.
Buckeye Health Plan's plan is called Ambetter and offers affordable health care coverage for individuals and families. Depending on your family size and income, you may qualify for help with your monthly premium. Buckeye Health Plan is a care coordination plan contracted with the Ohio Department of Medicaid.
Anthem offers a variety of health insurance plan options for individuals and families in Ohio. Once you purchase an Anthem plan, you’re covered for annual physicals and preventive care visits with providers in your network.
The ACA helps ensure that all Americans have access to affordable health insurance. It offers financial help, or a health insurance subsidy, based on your income, to help reduce your healthcare costs.
