Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Virginia health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Virginia health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Virginia health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Virginia health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Virginians to those of people who live in other parts of the country.

All you need to know about Virginia health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Virginia Individual and Family Health Insurance
Virginia health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Virginia health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Virginia health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.

Virginia Group Insurance
To qualify for Virginia health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Virginia health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Virginia health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Virginia health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Virginia COBRA Insurance
Virginia health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your Virginia health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all Virginia health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional Virginia health insurance is available through the Virginia Comprehensive Health Insurance Association (ACHIA).

Virginia Health Information and Statistics
If you are in the market for quality Virginia health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Virginia ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Virginia are a low percentage of children in poverty, ready access to primary care, a low violent crime rate, and strong per capita public health funding. Virginia also faces many challenges, such as a high geographic disparity within the state and low immunization coverage.

According to a 2008 study, Virginia had some significant changes over the past year, including an increase in per capita public health funding of 6%. In the past five years, the rate of uninsured population increased by 8% and the percentage of children in poverty increased by 58%. Since 1990, the prevalence of obesity increased by 156%.

Following is a variety of statistical data related to living in Virginia, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Virginia health insurance.

  • Prevalence of Smoking-14th
  • Prevalence of Obesity-18th
  • Violent Crime-11th
  • Children in Poverty-15th
  • Air Pollution-28th
  • Cancer Deaths-29th
  • Lack of Health Insurance-29th
  • Prevalence of Binge Drinking-17th
  • Infant Mortality-30th
  • Infectious Disease-27th
  • Premature Death-21st

Overall Rank: 20
Change: +2