Health Insurance Tips for Ohioans Ahead of 2022 Open-Enrollment Season
Thursday, September 23, 2021
COLUMBUS, Ohio -- Health insurance open enrollment will begin later this fall for many Ohioans and people across the country, and medical experts say picking a plan that meets your needs is crucial for staying healthy.
More than 200,000 Ohio residents enrolled in a private plan through the state's federally facilitated exchange on healthcare.gov. The window for enrolling in health plans for 2022 will open on Nov. 1 and run through Jan. 15. Ten insurers offer coverage in the state, with all but 10 counties having a choice of at least three different companies.
Dr. Rhonda Randall, chief medical officer for UnitedHealthcare employer and individual, said it is important to choose a plan which is personalized to the health of you and any of your dependents.
"Anticipate what your expenses are for next year," Randall suggested. "Are you anticipating you're going to need to have a certain procedure, or you've recently been diagnosed with a specific condition, or maybe you're planning to expand your family?"
Enrollment in the state exchange increased by 2% in 2021, likely due to the pandemic and the special COVID-19 enrollment period. Ohio also expanded Medicaid under the Affordable Care Act, which reduced the uninsured rate by 46% from 2013 to 2017.
Demand for mental-health services across the country has grown over the last year and a half due to the long-lasting trauma from the pandemic.
Randall noted for employer-based insurance, there are ways to find out about what behavioral health care is covered under your plan.
"We have seen an increased interest in mental health needs lately," Randall observed. "That's another important thing to check on. Does your employer have an employee assistance program, and does the medical plan benefits that they're offering have the mental-health coverage that you're looking for?"
You can find out more information on behavioral-health and mental-health coverage under the description of your benefits.
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