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West Virginia Health Insurance
Many people have no choice but to try to get individual insurance coverage if they are not included in a group insurance plan. These people might be self-employed, might work for a company that does not offer healthcare benefits, or might have exhausted any COBRA benefits for which they were entitled. If you are looking for an individual insurance policy, it is important to know how your state regulates individual policies and if West Virginia offers any assistance in getting healthcare coverage.
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Health Insurance in West Virginia
West Virginia's Individual Insurance Policy Regulations
- Insurance companies in West Virginia are not required issue insurance polices to every applicant. Companies can turn down individuals for health reasons.
- HMOs are required to have open enrollment periods where applicants who have health problems may be able to receive coverage.
- Pre-existing conditions, or conditions which occurred within two years of receiving coverage, may be permanently excluded from coverage.
- Pregnancy can be considered a pre-existing condition when applying for an individual policy.
- Your individual policy cannot be canceled solely because you have become ill.
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West Virginia State Insurance Assistance
- AccessVW offers insurance coverage to those who have been denied coverage. There are several plans from which to choose with a choice of deductibles.
- West Virginia Children's Health Insurance Program offers coverage for children up to the age of nineteen who come from families with qualified low incomes. If your dependents are grandchildren, your grandchildren may qualify for CHIP.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
