Open enrollment information:
Ohio law requires us to accept a certain number of individuals for
open-enrollment coverage without regard to health status. If you qualify as a
Federally Eligible Individual (FEI), your coverage will be effective
immediately without any pre‐existing condition exclusion period. If you do not
qualify as a FEI, you may apply for non‐FEI open enrollment coverage.
You are a Federally Eligible Individual if you meet all of the following
conditions:
1. You had health coverage for at least 18 months without a break in coverage
greater than 63 days
2. Your most recent health coverage was under a group health plan, governmental
plan or church plan
3. You are not eligible for coverage under any of the following plans:
a. A group health plan
b. Medicare
c. Medicaid
4. You do not have any other health coverage
5. Your most recent health coverage was not terminated because of
nonpayment of premiums or fraud
6. If you had been offered the option to continue coverage under COBRA or a
state continuation plan, you both elected and exhausted the continuation
coverage
If we have not yet met our enrollment quota, we will offer you the Ohio health
care Basic or Standard benefit plans for purchase. You may need to submit proof
of previous creditable coverage.
You are a Non‐Federally Eligible Individual if you meet the following
conditions ‐
1. You are not applying for coverage as an employee of an employer,
member of an association or member of any other group.
2. You do not have any other health coverage and are not eligible to be
covered under any private or public health benefit plans including the
following:
a. Medicare or Medicare supplement policy
b. Medicaid
c. Any COBRA or state continuation coverage
plan
d. Other health benefits arrangement
If we have not yet met our enrollment quota, we will offer you the Ohio health
care Basic and Standard benefit plans for purchase. We are not required to
accept applicants who at the time of enrollment, are confined to a health care
facility due to chronic illness or permanent injury. As a Non‐Federally
Eligible Individual coverage may be limited for pre‐existing conditions for the
first 12 months, however, we will credit time you were covered under a recent
previous health plan.
Click here to review Frequently Asked Questions
NOTE: June, 2010 – Independence American Insurance Company has reached its required annual quota for open enrollment for Federally Eligible Individuals under Ohio Open Enrollment statute. IAIC is not accepting applications for FEIs at this time.
How to apply:
You can calculate your rates and view our plan designs on this website. If you
would prefer, you can call our customer service team at 800-224-1971 for
additional information.
