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All health insurance policies in West 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.
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Small Business Health Insurance in
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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.
West Virginia Small Business insurers use a look back period of 6 months to decide if anything is considered pre-existing. Insurance companies are not allowed to look back in your health history further than 6 months.
The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months. Any pre-existing periods must be applied only after written notice.
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All West Virginia Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.
In
If you are a HIPAA eligible resident, you must be offered a
choice of two policies from every insurance company in
Relative to Pre-Existing Conditions, Insurance companies in
The rates that an individual pays for a West 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.
The West Virginia Childrens Health
Insurance Plan is a program that provides affordable health
insurance to children living in
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West Virginia Self Employed Health Insurance
In
One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!
Another option for affordable West 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.
For additional information about Self Employed Health Insurance in
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Insurance Quote
Temporary
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
West Virginia Temporary Health Insurance Policy. These policies will be cheap, with high
deductibles and low coverage, but getting a West Virginia Temporary Health
Insurance Policy is much better than going with out health insurance. If you would like more information on
Temporary Health Insurance in West
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What types of West 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
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 West 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 West Virginia PPO’s offer co-payments for doctor visits as
well as hospitalization.
Indemnity Plan - In
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 West 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
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 West 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 West 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 West Virginia Temporary Health Insurance Plan. If you are contemplating working at a consultant, it would be in your best interest to look into a West Virginia Self Employed Health Insurance Policy.
QuicklyQuoteMe’s Opinion on Health Insurance
On most health insurance policies you have the option of taking a higher deductible, which can save you on your monthly premiums. For these people who are generally healthy and do not use their medical policy it makes sense to take a risk to lower a monthly bill.
QuicklyQuoteMe recommends you consider your risk and talk with our licensed professionals about which deductible is right for your policy. At QuicklyQuoteMe.com we have the highest quality insurance professionals working with us. Fill out an online form and speak to one of them directly, they all come highly recommended!
Request a
Health Insurance Quote from one of QuicklyQuoteMe’s Agents
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