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EDUCATING INDIVIDUALS AND FAMILIES ABOUT APPROPRIATE AND AFFORDABLE
MEDICAL / HEALTH INSURANCE OPTIONS

Anthem Ohio Individual Health Insurance Open Enrollment Reform… What does it all mean?

anthem-2010-open-enrollment-rates-brochure-and-application.pdf

After speaking to a current group health insurance client of mine, I realized that although the current health insurance system is changing daily, there is still not a true understanding of how it effects each person individually.  Unfortunately as we see new legislation, the changes may not be apparent or even helpful in many situations. In Ohio with the recent effect of Ohio House Bill 1 we are seeing that rates are going down on the guaranteed issue plans provided through the open enrollment process, but not enough to make them affordable based on the benefit level the client can receive through virtually all other credible coverage options.  Although, if you have been declined coverage and have no other option for a traditional individual plan or employer sponsored plan, then these plans are your next best option.  Above is the link to the PDF that you can print out and get all of the facts or you you can review the basics below:

The Basics

Here are the basics of what the new reform package in Ohio House Bill 1 means to you:

Anthem Blue Cross and Blue Shield Update on New Ohio Open Enrollment Plans 

HIPAA-HIC Open Enrollment Plans are no longer available as of January 1, 2010

In the last quarter 2009, Ohio House Bill 1 caused several changes to health care offerings for Open Enrollment.  A summary of those changes is included in this article and updates on the Department of Insurance requirements and rules are reflected in this update.    Please be aware of the following changes:

Effective January 1, 2010, Anthem Blue Cross and Blue Shield no longer offers the HIPAA-HIC (basic and standard) Open Enrollment plans in Ohio.  The HIPAA CMM Basic and Standard options (now called CMM Basic and CMM Standard for Open Enrollment) continue to be available.  

There are two types of HIPAA Eligible applicants to the CMM Open Enrollment plans: Federally Eligible Individuals (FEI) and Non Federal Eligible (Non FEI). The definitions of FEI and Non FEI are included below:

1.       Federally Eligible Individuals - meets the federally eligible requirements

2.       Non Federal Eligible Individuals - are individuals who do not qualify for group conversion or cannot qualify for our underwritten products (Formerly Public Open Enrollment enrollees). They will be able to enroll anytime during the year beginning January 1, 2010. Enrollment requirements include:

How much Does it Cost?

Although every county is different here are the rates for the Cincinnati area as they currently stand:

Cincinnati Area Grouping:

Butler, Clermont, Hamilton, Warren Counties

HIPAA CMM

HIPAA CMM

Basic

Standard

$1,000

$750

Att Age

Male

Female

Male

Female

0

246.83 246.83 334.47 334.47

1

246.83 246.83 334.47 334.47

2

221.34 221.34 299.94 299.94

3

221.34 221.34 299.94 299.94

4

221.34 221.34 299.94 299.94

5

221.34 221.34 299.94 299.94

6

221.34 221.34 299.94 299.94

7

221.34 221.34 299.94 299.94

8

221.34 221.34 299.94 299.94

9

221.34 221.34 299.94 299.94

10

221.34 221.34 299.94 299.94

11

221.34 221.34 299.94 299.94

12

221.34 221.34 299.94 299.94

13

228.05 268.29 309.02 363.56

14

228.05 268.29 309.02 363.56

15

228.05 268.29 309.02 363.56

16

228.05 268.29 309.02 363.56

17

228.05 268.29 309.02 363.56

18

228.49 291.54 309.63 395.07

19

228.49 291.54 309.63 395.07

20

228.49 291.54 309.63 395.07

21

214.18 296.91 290.24 402.34

22

214.18 296.91 290.24 402.34

23

214.63 303.17 290.85 410.82

24

217.76 311.22 295.09 421.73

25

220.44 319.27 298.72 432.63

26

223.13 326.87 302.36 442.93

27

225.81 334.92 305.99 453.84

28

230.73 347.44 312.66 470.81

29

235.20 360.40 318.72 488.38

30

242.36 376.95 328.41 510.80

31

247.27 389.91 335.08 528.37

32

252.19 403.33 341.74 546.55

33

264.27 421.66 358.10 571.39

34

276.79 439.55 375.07 595.63

35

289.31 457.88 392.04 620.47

36

301.83 476.21 409.00 645.32

37

314.79 494.10 426.57 669.55

38

332.68 513.33 450.81 695.61

39

358.17 542.39 485.35 734.99

40

376.50 555.81 510.19 753.17

41

395.28 575.03 535.64 779.23

42

414.06 593.82 561.09 804.68

43

439.55 614.38 595.63 832.55

44

460.56 628.69 624.11 851.94

45

485.60 646.13 658.04 875.57

46

516.01 673.86 699.24 913.14

47

535.69 686.82 725.90 930.71

48

562.07 693.53 761.65 939.80

49

599.63 714.10 812.55 967.67

50

620.64 731.98 841.03 991.91

51

664.02 760.60 899.81 1,030.69

52

707.84 788.77 959.19 1,068.86

53

746.29 813.37 1,011.30 1,102.19

54

799.50 852.72 1,083.40 1,155.51

55

847.80 876.86 1,148.84 1,188.23

56

884.02 897.88 1,197.92 1,216.71

57

920.68 918.89 1,247.61 1,245.19

58

956.45 942.15 1,296.08 1,276.69

59

992.67 964.95 1,345.16 1,307.60

60

1,034.71 988.65 1,402.12 1,339.71

61

1,070.48 1,011.90 1,450.60 1,371.22

62

1,107.14 1,034.71 1,500.28 1,402.12

63

1,145.15 1,058.85 1,551.79 1,434.84

64

1,183.61 1,083.00 1,603.90 1,467.56

In Ohio: Anthem Blue Cross and Blue Shield is the trade name of Community Insurance Company. Independent licensee of the Blue Cross and Blue Shield Association. ® Anthem is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

The premium information provided in this tool is for illustrative purposes only. Actual premiums will be determined following completion and review of the application.

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