Given today’s climate of economic and financial uncertainty, people know that finding affordable, quality West Virginia health insurance is an important step towards securing peace of mind concerning the health and well-being of themselves and their loved ones. With the price of medical care and treatments continuing to climb at extraordinary rates, it is reassuring to know that people have a reliable source to call upon when they need West Virginia health insurance quotes. And that source is insuranceUSA.com. In its most basic form, health insurance is simply an insurance plan which covers medical expenses, whether customary or emergency. It can also be expanded to cover long-term care or disability, depending on one’s needs.
The following article will provide information regarding the regulations of West Virginia health insurance, both for individuals and small groups. It will also give fundamental information concerning COBRA, The Consolidated Omnibus Budget Reconciliation Act of 1986. This plan basically provides workers and their families who lose their health insurance coverage (usually through the loss of employment) the right to continue group health insurance benefits, most often at their own expense.
You will also find interesting statistical information which can help you compare the health of West Virginian residents with the health of people from other regions of the country.
This article will provide you with all the information you need about West Virginia health insurance and will enable you to choose the plan which is most suitable for your needs and circumstances. Once you have determined your choices, we at insuranceUSA.com are ready to assist you with health insurance quotes that will provide you with the coverage and satisfaction you both need and deserve.
West Virginia Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in West Virginia is greatly influenced by your current and past health status and history. West Virginia health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. West Virginia health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. West Virginia health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.
West Virginia Group Health Insurance
For West Virginia health insurance for a group or company, the state of West Virginia requires that a company have between 2 and 50 employees. Employers, however, are not required to provide West Virginia health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some West Virginia health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under West Virginia health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.
West Virginia COBRA Insurance
Under West Virginia health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their West Virginia health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the West Virginia health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further West Virginia health insurance coverage available through the West Virginia Comprehensive Health Insurance Association (ACHIA).
West Virginia Health Information and Statistics
If you are in the market for quality West Virginia health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how West Virginia ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in West Virginia are a low violent crime rate, strong per capita public health funding, and a low prevalence of binge drinking. West Virginia also faces many challenges, such as a high rate of cancer deaths, a high prevalence of obesity, and high levels of air pollution.
According to a 2008 study, West Virginia had some significant changes over the past year. These include: the percentage of children in poverty increased by 13%, the rate of uninsured population decreased by 9%, and the prevalence of smoking increased by 5%. Since 1990, the violent crime rate has increased by an astonishing 99%.
Following is a variety of statistical data related to living in West Virginia, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing West Virginia health insurance.
- Prevalence of Smoking-49th
- Prevalence of Obesity-46th
- Violent Crime-13th
- Children in Poverty-48th
- Air Pollution-48th
- Cancer Deaths-48th
- Lack of Health Insurance-25th
- Prevalence of Binge Drinking-5th
- Infant Mortality-35th
- Infectious Disease-15th
- Premature Death-43rd
Overall Rank: 39
- Berkeley Springs
- Capon Bridge
- Charles Town
- Cross Lanes
- Glen Dale
- Ikes Fork
- Mac Arthur
- New Martinsville
- Nutter Fort
- Oak Hill
- Paden City
- Point Pleasant
- Saint Albans
- Saint Marys
- South Charleston
- St Albans
- Webster Springs
- West Union
- White Sulphur Springs
- White Sulphur Sps