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Virginia Health Insurance

 

All health insurance policies in Virginia are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

All Virginia Health Insurance Policies have to cover new born babies for their first 31 days, as well as disabled children, on their parents polices.

 

For additional information about Virginia Health Insurance call (877)310-6560

 

                            Request a Virginia Health Insurance Quote

 

 

 

Virginia Small Business Health Insurance

 

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In Virginia, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in Virginia is also guaranteed issue, meaning that you can not be turn down for coverage.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against

 your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

Pre-existing conditions, in Virginia, are decided by a look back period.  This is a period of 6 months when an insurance company will look back to see what treatments or diagnosis we received.  Only what is evident by this look back period may be considered pre-existing.

 

The maximum pre-existing waiting period is 12 months for an employee.  Any pre-existing periods must be applied only after written notice.  No pre-existing conditions may be imposed upon pregnancy on a Virginia Small Business Policy.

 

Small businesses in Virginia have to be offered two standardized plans.  These two plans are called standard and essential.  The idea behind offering standardized plans is to help to consumers compare policies.   All insurance companies are allowed to offer other types of non standard policy as well.  Rate for non standard are not regulated like they are for standard plans.

 

Virginia does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

For additional information about Small Business Health Insurance in Virginia click here.

 

                            Request a Virginia Small Business Health Insurance Quote

 

 

 

Virginia Individual Health Insurance

 

In Virginia, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.   There are two companies that can not refuse an individual coverage and they are CareFirst Blue Cross Blue Shield and Anthem Blue Cross Blue Shield.  Both of these companies must sell individual policies on a guaranteed issue basis; meaning you can not be turned down.

 

If you are HIPAA eligible in Virginia, you can not be turned down by any private insurer.  No insurance company in Virginia is required to offer family coverage.  Most will offer individual policies for each person in your family.

 

Virginia allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in Virginia must give credit to prior credible coverage as long as there was not more than a 30 day lapse in coverage.

 

The rates that an individual pays for a Virginia Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

CHIP is short for the Childrens Health Insurance Plan.  This is a program Virginia has adopted to help provide affordable health insurance to their children.  There are certain requirements that have to be met to qualify, so visit the site for more information.

 

For additional information about Individual Health Insurance in Virginia click here.

 

                            Request a Virginia Individual Health Insurance Quote

 

 

 

Virginia Self Employed Health Insurance

 

In Virginia self employed people are not allowed to buy small business health insurance plans.    A self employed persons rights, in Virginia, are protected under the laws protecting individuals, so self employed people must buy individual health insurance policies.

 

Another option for affordable Virginia Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in Virginia click here.

 

                            Request a Virginia Self Employed Health Insurance Quote

 

 

 

Temporary Virginia Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a Virginia Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a Virginia Temporary Health Insurance Policy is much better than going with out health insurance.  It is important to realize that Virginia temporary health insurance in not guaranteed renewable.

 

For additional information about Temporary Health Insurance in Virginia click here.

 

                            Request a Virginia Temporary Health Insurance Quote

 

 

 

What types of Virginia Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Virginia that you have to go to for care.  Most Virginia HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Virginia PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Virginia PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Virginia, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Virginia Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically a Virginia Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Virginia Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Virginia it is mandated, by the state, that all companies that offer a Virginia Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A Virginia Cobra Insurance is typically available for a time period under 18 months.   In Virginia you are given 60 days to decide if you are going to take Virginia Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a Virginia Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a Virginia Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a Virginia Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Virginia Self Employed Health Insurance Policy.   

 

 

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