About Health Insurance in West Virginia
East Coast Health Insurance has extensive knowledge in West Virginia health insurance, with agents specifically licensed in this state. Our options include plans from top health insurance companies such as Aetna and UnitedHealth Care.
- Total Population: 1,802,200
- Total Uninsured Population: 245,800 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,323
- Average State Premium for Individual Health Insurance: $333
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in West Virginia
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our licensed West Virginia brokers at 888-803-5917.
West Virginia Health Insurance Market & Laws
Health insurance regulations in West Virginia are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.
Pre-existing conditions are defined in West Virginia as a condition you received treatment for or were diagnosed within 2 years prior to enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, can last for any length of time. There is no legal limit on exclusion periods.
It is also legal for insurers to attach an elimination rider to your plan for a pre-existing condition to permanently deny you coverage for that condition. Also, when you change insurance carriers, they are allowed to set their own exclusion period length.
Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for a minimum of 31 days after birth or adoption.
Insurance companies in West Virginia are permitted by law to deny you health insurance or increase your premiums based on your age and health. There are insurance companies with HMO plans that participate in an open enrollment period, where anyone is able to apply.
For individuals who live in West Virginia, health insurance is required to cover the following medical expenses by law:
- Maternity care
- Immunizations for children
- Breast, cervical, and colorectal cancer screenings, as well as HPV
- Mental health care for the same cost as other medical conditions
More information on laws regarding West Virginia health insurance is available through the West Virginia Insurance Commission site.
1. Kaiser Family Foundation, “West Virginia – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “West Virginia Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-West Virginia.html