Ohio High Risk Pool

Are you or someone you know uninsured due to a pre-existing health condition? A health insurance option is now available for you, the Ohio High Risk Pool!  You must act quickly!

The Ohio Department of Insurance has released information regarding the Ohio High Risk Pool.  The Ohio High Risk Pool is a state-subsidized health plan providing coverage for people with pre-existing health conditions who cannot purchase private health insurance. The Ohio High Risk Pool will begin accepting applications on August 1, 2010.  You can access the application on August 1 through the website:  Please note that the application must be printed, signed and mailed to Medical Mutual with the required documents. On or after August 2, 2010, people can call 1-877-730-1117  (TTY: 800/982-8109) to obtain information and request that an application be sent to them.

If you are interested you must act quickly, there are only sufficient funds to cover approximately 5,500 Ohioans.  It is estimated that there are five times as many people who are eligible for this insurance. Applications will be taken on a first come, first served basis.

To qualify for the Ohio High Risk Pool, you must:

  • Must be a citizen or national of the U.S. or lawfully present in the U.S. and an Ohio resident
  • Must be uninsured for six (6) months prior to the date you apply for coverage
  • Cannot be eligible for coverage under the federal Medicare program, the Ohio Medical Assistance Program, the Ohio Children’s Health Insurance Program or an employer-sponsored group health plan, unless you are subject to a mandatory initial waiting period
  • Must have a qualifying pre-existing condition as evidenced by a denial of coverage by two insurers or documentation from a health professional of a qualifying pre-existing condition

The following documents will be required for proof of eligibility:

Proof of U.S. Citizenship
A copy of ONE of the following:

  • Birth certificate
  • Passport
  • Certificate of citizenship
  • Naturalization certificate
  • Visa or immigration documents

Proof of Ohio Residency
A copy of ONE of the following:

  • Ohio driver’s license or state identification card
  • Payroll stub
  • Voter registration card
  • Utility bills, rental agreement
  • Ohio Income Tax Return

Evidence of a Pre-Existing Condition
A copy of EITHER:

  • Letters or documents from two carriers verifying each has refused to issue creditable coverage to the applicant within the previous six (6) months or would issue coverage only with an exclusionary rider;


  • Written certification by a licensed physician or nurse practitioner, issued within the past six (6) months, certifying that the applicant has a history of or suffers from a qualifying medical or health condition;


  • A completed physician certification form

First Month’s Payment (Rates will be available on this site soon)
Payment options:

  • Check (please make payable to Medical Mutual of Ohio)


  • Money order (please make payable to Medical Mutual of Ohio)

Examples of pre-existing conditions:
A variety of pre-existing conditions will qualify a person for high risk pool coverage, including but not limited to the following:

  • Asthma (children and adults)
  • Chronic obstructive pulmonary disease
  • Chronic pain conditions
  • Coronary artery disease
  • Depression
  • Diabetes (children and adults)
  • Heart failure
  • Pregnancy

For more information, please refer to the website: or call 1-877-730-1117 (TTY: 800/982-8109).

– Posted by Christy Zeyer

Posted in Blog, Wellness.