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