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Virginia Health Insurance
	Enter Zip Code: Individual & Family Small Business Group Medicare

Virginia Health Insurance Companies

Learn more about each health insurance carrier in Virginia and their respective insurance plans - VirginiaHealth Insurance Plans.
Learn more about each insurance carrier here: Aetna, Aetna, Anthem, Anthem, CareFirst, Golden Rule, Humana, Humana, Kaiser, Mutual of Omaha, Unicare, Unicare, Unicare Area A
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Compare health insurance quotes from nearby states: North Carolina Health Insurance, West Virginia Health Insurance
Virginia Health Insurance
Currently in the state of Virginia, the number of uninsured non-elderly adults (age 19-64) has reached 793, 320 or 17% of the population while the cost of health insurance has risen 83.8% per year according to Families USA and Kaiser’s State Health Facts. Statistics such as these can make finding affordable health insurance nearly impossible; however, Health Plan One can help you explore your options and choose a health plan that best fits your needs. In Virginia, individuals can either receive health insurance coverage through COBRA or HIPPA if they were recently covered by an employer health plan or through a private health insurance company. COBRA coverage is available for 18-36 months depending on qualifying events and benefits are the same as group programs. Benefits from HIPPA individual plans are based on the program selected. If individuals decide to go through a private health insurance company for coverage, plans will vary but insurers are required to offer certain benefits such as postpartum care and mammograms. Medical underwriting is allowed in Virginia without restrictions so that will determine eligibility for coverage. (www.coverageforall.org For those individuals in Virginia unable to obtain private health insurance due to medical conditions, High risk plans are offered through Anthem Blue Cross Blue Shield and CareFirst because there is no high risk pool available. Benefits such as postpartum care and mammograms are offered under these insurers. In order to be eligible, you must not be eligible for any other insurance, including individual, group or public, you must be a Virginia resident and plan availability will depend on county residence. (www.coverageforall.org)
Virginia Group Health Insurance (Small Business: 1-50 employees)
In Virginia, medical underwriting is allowed without restriction, except standardized plans. For standardized plans, rates may vary plus of minus 25% from the indexed rate based on the age, gender, geography, health status, and claim history of the group. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior health coverage. The average monthly premium for group and small business health insurance in Virginia in 2006 was $246 for single coverage but can depend on employer contribution and $645 for family coverage according to www.ahipresearch.org. There are some factors in Virginia that determine eligibility for group and small business health insurance which include: - Company size 2-50 employees - Owner can count as an employee - Proprietor-name on license must draw wages www.coverageforall.org
Virginia COBRA Individual Health Coverage
Virginia offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.
Medicaid in Virginia
Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements. Income requirements Children Children (ages 1-5)-133% of the Federal Poverty Level Children (Ages 6-19)-133% of the Federal Poverty Level Pregnant Women and Infants Pregnant Women-133% of the Federal Poverty Level Infants (ages 0-1)-133% of the Federal Poverty Level Parents Non Working Parents- 24% of the Federal Poverty Level Working Parents- 36% of the Federal Poverty Level Other populations Medically Needy Individual- 47% of the Federal Poverty Level Medically Needy Couple- 42% of the Federal Poverty Level Supplemental Security Income Recipients- 74% of the Federal Poverty Level Aged, blind, and disabled- 80% of the Federal Poverty Level Covered Services Hospital care, doctor’s visits, prescriptions, mental health services, and rehabilitative services. Co-Payments Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services. You may learn more about Virginia Medicaid at http://www.dmas.virginia.gov/rcp-medicaid_hand_book.htm.
Other Virginia Health Insurance Programs
Virginia offers the FAMIS program to children under the age of 19 whose family incomes are up to 200% of the Federal Poverty Level. The children must be residents of Virginia, U.S. citizens, without health insurance for the past 4 months and ineligible for the state employee plan or Medicaid. Please visit the FAMIS website for more detailed information at http://www.famis.org/. Virginia also offers a program specifically for pregnant women to assist them in obtaining services. Please visit the Baby Care website for more detailed information at http://www.vahealth.org/babycare/index.asp.