Learn more about each insurance carrier here: Aetna, Cigna, Cigna PDP, Golden Rule, Highmark BCBS. Compare health insurance quotes from nearby states: Virginia Health Insurance, Ohio Health Insurance
There are many health insurance options open to those in the state of West Virginia who are uninsured or underinsured, but there are several questions to keep in mind. If your employer does not offer health insurance are you healthy enough to obtain health insurance on the individual market? If so, HealthPlanOne can help in quoting plans tailored to your needs and price range. Are you self-employed? HealthPlanOne can also assist small business owners in obtaining small group coverage. Do you have any pre-existing conditions, disabilities, or are you below an income level which could qualify you for free or low-cost health care programs offered by the government? You may be eligible in West Virginia for Medicaid, CHIP, one of the free or low-cost screening and immunization programs, family planning services, or the high risk pool. See if you're eligible for any of these options are available on this page.
What Every West Virginian Should Know About Health Insurance
The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company's choosing, individual employees are not medically underwritten, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.
Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company's insurance kicks in. Such options are available through HealthPlanOne. Simply visit our Short-Term information page for your free quotes.
It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.
What If I'm Between Jobs?
Because it is important not to have a break in coverage, if you've recently lost your job look into extending the coverage you had with your employer through COBRA. With the COBRA program through the federal government, you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who've lost their jobs to invest in an individual/family insurance policy through HealthPlanOne. With individual coverage, you choose the health insurance carrier and benefits you want with the help of HealthPlanOne. We will quote plans for you and your family from all the different carriers available in West Virginia so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs, a plan on the individual market through HealthPlanOne could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in West Virginia each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months.
If you're healthy and are unhappy with the health insurance offered by your employer, are between jobs, or are not offered benefits by your company, enter your zip code into the HealthPlanOne quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you're under no obligation to buy. Our licensed insurance specialists are also available via LiveChat (see the button to the right) or toll-free at (877) 567-5267 to answer any questions.
Small Group Plans
If you are self-employed, you could qualify for a small group plan in West Virginia. You must have 2 or more eligible employees who each work full-time, though this exact number will vary depending on which carrier you apply to. There is no standard amount of time in business required prior to applying for coverage. All carriers in West Virginia do medically underwrite for small group plans. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling. HealthPlanOne can help you by quoting plans for small groups. Simply call us at (877) 567-5267.
If you're not healthy there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.
Visit our West Virginia Small Business Group page for more information
West Virginia Medicaid and Medicare
Medicaid is a federal-state cooperative program which provides health coverage for low-income individuals and other disadvantaged groups. These include the elderly, disabled, blind, or pregnant women. There are family income ceilings associated with each Medicaid eligibility category as well as citizenship and other requirements. For full details, visit the program's website at http://www.wvdhhr.org/bcf/family_assistance/medicaid.asp This page will also give you information on benefits of the program, which are comparable to those one would receive on a private plan.
Click here for information and to view West Virginia Medicare plans
WV Children's Health Insurance Program (WVCHIP)
The WV Children's Health Insurance Program (WVCHIP) is the state's version of the federally-mandated SCHIP program. CHIP provides comprehensive health coverage to children who do not qualify for Medicaid but whose parents' income is insufficient to cover the cost of a private plan. Children who qualify under the CHIP eligibility requirements are covered under Medicaid. To be eligible a child must be: a resident of West Virginia, under age 18, uninsured for the last 6 months, ineligible for Medicaid, ineligible for WV State Employee Health Insurance, a US citizen or qualified alien, and part of a family which meets WVCHIP income guidelines. For more information, explore the program's website at http://www.wvchip.org/index2.shtml
Screening and Immunization Programs
There are several different screening and immunization programs offered by the West Virginia Department of Health & Human Services.
The Birth to Three program is a statewide system of services and supports for children under 3 who have a developmental delay or may be at risk for one. http://www.wvdhhr.org/birth23/referral.asp
The WV Immunization Program offers free vaccines to eligible children including those without insurance coverage http://www.wvimmunization.org/
The Right From The Start Project(RFTS) provides professional targeted case management to West Virginia families aimed at providing in-home care coordination services to high risk, low-income pregnant women through the second month after giving birth and to Medicaid eligible high risk infants though age 1. http://www.wvdhhr.org/rfts/
Kids First Healthcheck provides a comprehensive hearing, speech, language, growth and development screening for children entering Kindergarten. www.wvkidsfirst.org
WV Breast and Cervical Cancer Screening Program http://www.wvdhhr.org/bccsp/
Congenital Abnormalities Registry Education and Surveillance System http://www.wvdhhr.org/caress/
The WV Family Planning program gives low-income and high risk women access to birth control and other family planning services. Its mission is to provide services which lower rates of STDs and HIV, enable women to prevent unintended pregnancies and thereby reduce the number of abortions, and identify symptoms of breast and cervical cancer and other medical conditions. Services include: free contraceptive methods, comprehensive medical exams, pregnancy tests, basic infertility information, health education and counseling, and follow-up/referrals for identified medical needs. Eligibility requirements for these free or low-cost family planning services are available here: http://www.wvdhhr.org/mcfh/wvfp/index.asp
AccessWV - West Virginia's High Risk Pool
Access WV is the state's high risk health insurance pool. This is the insurer of last resort for many West Virginians whose preexisting medical conditions have rendered them medically uninsurable on the individual market. There are extensive eligibility requirements for enrollees, which can be viewed at the program's website: http://www.wvinsurance.gov/accesswv/ Enrollees receive coverage benefits comparable to those available on the individual market. Please visit the URL above for detailed plan benefit information and to apply.
For a full list of programs offered through the West Virginia Department of Health & Human Resources click here: www.dhhr.wv.gov