West Virginia Health Insurance
Residents of West Virginia have a wide choice of health insurance plans and insurance companies to choose from. They will be able to find plans that suit a range of individual and family health care needs.
When looking for the right health insurance plan for your needs you’ll find a lot of helpful information at GoHealthInsurance. You can read about the various important rules, regulations, and laws concerning West Virginia health plans as well as learn about the state’s top health insurance carriers.
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West Virginia Health Insurance Stats
West Virginia Residents: 1,820,500
Median Annual Household Income: $42,801
West Virginia Health Care Expenditures (in millions): $13,964
Households with at least 1 full time worker: 816,000
West Virginia Health Insurance Coverage based on Total Population (%):
- Employer: 48%
- Individual: 2%
- Medicaid: 17%
- Medicare: 17%
- Uninsured: 14%
Avg. Monthly West Virginia Individual Premiums: $333
Total West Virginia HMO Enrollment: 292,933
When a resident applies for a West Virginia health insurance plan, health companies will consider that applicant's health status before they accept him or her into coverage and set monthly premiums.
But the West Virginia health insurance market is regulated by state and federal law to provide certain protections for consumers.
Some HMO health plans in West Virginia have open enrollment periods where insurers must accept every applicant into coverage regardless of health status.
Residents who recently left a group West Virginia health insurance plan with an employer and meet other eligibility requirements may be HIPAA-eligible. Under the federal law, HIPAA, health insurers are not allowed to deny coverage or permanently restrict benefits.
If an applicant is turned down for coverage for any reason, they can purchase a health plan through the West Virginia health insurance pool, called AccessWV.
West Virginia health insurance law also requires that all health plans cover certain medical services. They include:
- Medical costs of certain clinical trials
- Screening for cervical, colorectal, breast, and HPV cancer
- Care for pregnant women
- Vaccinations for children
- Equal coverage for mental and physical health conditions
Here are the public West Virginia health insurance programs that help low-income residents stay covered:
This program is funded by both the state and federal government to provide low-income residents and disabled citizens free access to health insurance. To learn more about the Medicaid program in West Virginia, visit them online.
- West Virginia Children's Health Insurance Program (WVCHIP)
This state and federally funded program offers health coverage for children who do not qualify for Medicaid, but cannot afford their own plan. Learn more about this West Virginia health insurance program at http://www.wvchip.org/.
- West Virginia Breast and Cervical Cancer Screening Program
Low-income women in West Virginia can receive free screening for breast and cervical cancer and get full health benefits through Medicaid through this program. Learn more about this women's West Virginia health insurance program online.
- West Virginia Medicare
Seniors looking for West Virginia health insurance can get coverage through Medicare Advantage, Supplement and Original Medicare.
West Virginia trade workers and early retirees also can get financial assistance through the Federal Health Coverage Tax Credit. This tax credit helps pay for up to 60 percent of health plan premiums. Find out more about this program here.
The Patient Protection and Affordable Care Act established nationwide high risk pools to provide health insurance coverage for people with pre-existing conditions.
The Pre-Existing Condition Insurance Plan (PCIP) in West Virginia will run similar to regular West Virginia health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.
West Virginia residents with PCIP will pay around the same amount that an individual without a medical condition pays for health insurance. There will also be a deductible that must be met before coverage for health insurance benefits will start.
Individuals with medical conditions will have health insurance coverage for prescription drugs, emergency services, doctor and hospital visits and more.
West Virginia residents are eligible if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the West Virginia health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer West Virginia health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Click here to view Aetna Health Insurance in West Virginia
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in West Virginia
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Click here to view Celtic Health Insurance in West Virginia
Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.
Click here to view Consumers Life Company Health Insurance in West Virginia
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Click here to view Golden Rule Health Insurance in West Virginia
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Click here to view Great American Health Insurance in West Virginia
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Click here to view John Alden Health Insurance in West Virginia
As a non-profit insurance company, Mountain State BCBS provides a wide variety of health insurance plans with superior customer service.
Click here to view Mountain State Blue Cross Blue Shield Health Insurance in West Virginia
Started in 1978, IAC offers management services to large companies who self-insure.
Click here to view Standard Security Life Health Insurance in West Virginia
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Click here to view Time Insurance Health Insurance in West Virginia
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Click here to view Time Short Term Health Insurance in West Virginia
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Click here to view UnitedHealthOne Health Insurance in West Virginia
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Click here to view WorldIns ExpressMed Health Insurance in West Virginia
Find the contact information for the West Virginia health insurance and health and human resources departments at:
PO Box 50540
Charleston, WV 25305-0540
1124 Smith St.
Charleston, West Virginia 25301
Phone: (304) 558-3386
State Capitol Complex, Building 3 Room 206
Charleston, West Virginia 25305
Phone: (304) 558-0684