Temporary High Risk Pool

Coverage is now available through the Oklahoma Temporary High Risk Pool. Be sure to review information about this new program so that you can make a fully informed decision before you enroll in the Oklahoma High Risk Pool (the state pool).


Qualifying

To qualify for the Oklahoma Temporary High Risk Pool, an individual must:

  • Be a citizen or national of the United States, or lawfully present,
  • Must have a preexisting medical condition, and
  • Must have been uninsured for at least six months before applying for the Oklahoma Temporary High Risk Pool

Preexisting Conditions

The Oklahoma Temporary High Risk Pool coverage will not be subject to any preexisting condition exclusion, and it will not impose a preexisting condition exclusion waiting period on a new enrollee. The State Pool, in contrast, must impose a 12-month preexisting condition exclusion waiting period on new enrollees who did not have creditable coverage in place during the six months prior to enrollment. This state pool exclusion period is fully waived if the enrollee had creditable coverage in place during the six months prior to enrollment.


Premiums

An enrollee in the Oklahoma Temporary High Risk Pool will pay a premium rate equal to standard market rates. The premium rates for the Oklahoma Temporary High Risk Pool will be significantly less than Oklahoma law requires for the state pool.

You should determine which risk pool program — the state pool or Oklahoma Temporary High Risk Pool — best serves your needs, based on your individual circumstances. If you have any questions about the State Pool or the information contained in this notice, please call OHRP customer service at 877-885-3717.


Benefits and Coverage

Deductible and Rate Table

  • For 2013, the deductible is $2,000

Temporary high risk pool rate table 


Summary of Benefits

The following summary of plans are intended for descriptive purposes only. All benefits are subject to the terms, conditions, limitations, exclusions, deductibles, copayments, and any and all other contract provisions. Actual contract provisions prevail in the event of conflict with these documents.

2013 Summary of Benefits 

 

Suspension Notification

Please be advised that beginning March 3, 2013, the Oklahoma Temporary High Risk Pool (OTHRP) is suspending acceptance of new enrollment applications until further notice. OTHRP will continue to provide coverage to people currently enrolled in OTHRP.

Learn more about the changes.