The Ohio Department of Insurance has put certain standards in place which protects their residents when they purchase health insurance from an insurer licensed by the state. There are certain facts that are important to consider if you live in this state.
 
Alcoholism: If you want to be treated for alcohol, your insurer has to cover you for at least $550 dollars per year. This includes hospitalization and day to day treatment.
 
Psychological: If your health insurance policy covers hospitalization for psychological illnesses, then they also have to cover you for at least $550 per year out of hospital. This means that as an outpatient you also get a certain level of cover, as long as the insurer covers psychological treatments.
 
Kidney Dialysis: The same is true for kidney dialysis. If you are covered for in-patient dialysis treatment, then the same cover must be applied when you are out of hospital. Since this is a state requirement, you can rest assured that a licensed organization will adhere to these requirements.
 
No Discrimination: Unlike many health insurance policies across the globe, the state of Ohio does not allow discrimination between various health professionals. This means that there must be cover for any licensed professional that you choose as your practitioner. If they are licensed and are performing their services legally, then the insurer is required to cover their costs.
 
Medicine: All policies that cover medicines prescribed by a doctor must cover any drugs that have been prescribed, whether or not it has been approved by the state as a valid treatment for your illness.
 
Maternal Benefits:  Not all insurers offer cover for pregnant women, but if they do, they may not treat it as a "pre-existing" condition at any time. It is important to note, though, that in certain situations they are allowed to put a 9-month waiting period into place. This of course means that if you are pregnant when you purchase the policy, you cannot expect to enjoy the maternity benefits offered.
 
Breast Cancer Screening: Because breast cancer is such a major threat to all women regardless of their age group, it is crucial that every state-licensed policy provides cover for mammograms. This cover is subject to the age group of the insured - under 40 year olds are covered for a single screening, while 40-49 year olds are covered for one mammogram every two years. Once you are over the age of 50, you are covered for one mammogram per year. Note that the maximum amount covered per screening is $85.
 
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