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).
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
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.
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
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.