Health Insurance Carriers in West Virginia (WV)
West Virginia has its own set of rules regarding
insurance plans and providers. Click on the links provided below
for more information. When you’re done exploring, check
out a more detailed discussion on rules that pertain to West Virginia
in the arena of health insurance. After that, you will be ready
to go to request your personalized quote,
free of charge.
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Health Insurance Providers in West Virginia
Assurant Health (Formerly Fortis)
Clarendon National
Fairmont Specialty Group /
TIG
Group Health Insurance in West Virginia
- Coverage may not be denied due to health
problems nor may premiums be higher, provided the applicant is
eligible.
- Because of life changes involving family or unemployment,
special opportunities for group coverage may be available.
- Employers may require a waiting period for new employees
and new HMOs may also impose affiliation periods.
- Group insurers may review medical records for the six
months previous to coverage.
- For pre-existing condition, an exclusion period may apply
for up to 12 months.
- If coverage has been maintained continuously, without
a break longer than 63 days, creditable coverage is allowed.
Small Business Health Insurance in West Virginia
- Small businesses may not be denied coverage
or have their coverage cancelled due to sickness within the employee
group.
- Based on the characteristics and health of employees,
premiums may rise.
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Self-Employed Health Insurance in West Virginia
- The self-employed may purchase small group
insurance.
- Individuals, self-employed, and small businesses considering
professional associations for group coverage acquisition should
contact the West Virginia Insurance Commissioner.
West Virginia Insurance Commissioner
1124 Smith Street
Charleston, WV 25305
(888) 879-9842
www.wvinsurance.gov
Individual Health Insurance in West Virginia
- Providers may deny coverage due to health
problems unless applicant is HIPAA eligible.
- HMOs have open enrollment periods in which coverage may
only be denied in certain cases.
- Providers may review medical records for the two years
prior to receiving coverage and attach elimination riders to policies.
- Pregnancy may be considered pre-existing.
- The cost of premiums and renewals have no limits.
- Policies may not be cancelled due to illness.
West Virginia Health Care Programs
Medicaid and State Child Health Insurance
Plan assist low income residents.
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