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West Virginia health insurance
When you buy a health insurance plan for yourself, you buy not only financial security against a crippling health care cost; you also secure health care for yourself at reasonable costs. If you are a resident of West Virginia and are looking for a health insurance plan, you have come to the right place. On this page, we will provide you with all the details you need to know before you go for a health plan for yourself.
Individual health insurance in West Virginia
When you are looking for an individual health insurance plan for yourself, be prepared to pay more than you would for a group plan. This is because individual health insurance plans usually cost more than group plans. The logic is that a portion of the costs in a group insurance plan are paid by your employer.
When you go for a health insurance plan, do not consider the monthly costs only. Rather, consider other aspects of the plan like deductibles, co payments and coinsurance also. You should also be very clear about the benefits offered by the plan.
Depending on the factors mentioned above, you have a number of choices in these plans. These are –PPO, POS and HMO type of plans. If you want to save on some taxes, you might consider HSA plans also.
Group health insurance in West Virginia
Medical underwriting is legal in West Virginia. This means that the health insurance company may reject your application for insurance if they are not satisfied with your medical status. The rate for insurance may vary between plus or minus 30% of the indexed rate. The carriers may impose a 6 month look back period and a 12 month exclusionary one if they are not satisfied with your previous health insurance coverage.
People who are unable to secure either a group health insurance plan or an individual one may consider the high risk pool provided by the state under Access WV.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of West Virginia. According to this law, a company that employs more than 20 people is obligated by law to continue covers for an employee who is no longer employed with the company. The covers must be extended to the family of the employee also.
West Virginia Medicaid plans
Medicaid plans are also offered in the state of West Virginia. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
West Virginia also offers the WVCHIP Health Insurance Program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of West Virginia. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top West Virginia Health Insurance Carriers
You can trust us to provide the most suitable West Virginia health insurance quote for you. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find West Virginia Health Insurance
Our process is very simple. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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