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Health Care Benefits

The state of Ohio provides you with quality, affordable and competitive health care benefits as a part of your total compensation package. You have the flexibility to change your election to best fit your individual or family needs during the open enrollment period.

In addition to the information that is presented to the right, you can find information on this page about health plan rates, side-by-side health plan comparisons, PPO vs. HMO differences and specific coverage details.

Each state employee has a choice of providers, which is based on where you live and work. The five current state health care providers are:

• Aetna

• Ohio Med

• Paramount

• The Health Plan

• UnitedHealthcare

*Health plan information on this page, including rates, is effective July 1, 2008 to June 30, 2009.

Click here to compare all five health plans.

Full-Time vs. Part-Time
Full-time employees pay 15 percent of the premium as established by the state.

The percentage that part-time employees pay toward their premium is based on the average hours worked. Average hours in active pay status shall be calculated semi-annually on the basis of 13 pay periods, which start with the pay period that includes January 1 or July 1, respectively.

PPO vs. HMO:
What's The Difference?
As a state employee, you have the option to select a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO). You may select an HMO if it serves the ZIP code(s) in which you live or work. The fundamental difference between the two is that a PPO provides out-of-network coverage while an HMO does not.

For example: If you needed to see a doctor outside of your health care provider's network, you would receive a percentage of coverage if you were enrolled in a PPO, whereas if you were enrolled in an HMO, you would receive no coverage, except for emergency care.

What's Covered?

For questions about health care benefits, please contact HCM Customer
Service at 614-466-8857, or toll-free at 1-800-409-1205.