There are more than 250-thousand people in West Virgina who don’t have health insurance. The mountain state has enacted certain policies to help protect people who in fact do have coverage and to help those who are trying to get it. For example, West Virginia health insurance policies contain a guaranteed renewablility provision which states that any individual is guaranteed the right to renew an existing West Virginia health insurance policy provided there has been no fraud and all premiums have been paid on time. West Virginia individuals who have health insurance through an employer or group plan cannot be denied or limited coverage because of health. Individual West Virginia health insurance plans, however, can deny any applicant on the basis of health, age, or other factors. Here is additional information on affordable heathcare coverage in West Virginia.
With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in West Virginia are suddenly finding themselves let go from jobs that had health insurance. Individual health insurance is an option you will want to consider.Your ability to buy individual health coverage may depend on your health status. Health insurers can design different policies and you will have to read and compare them carefully.
Group health insurance in Virginia is sold to businesses and organizations who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive compared to individual or family coverage because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.
Choosing quality yet affordable health insurance in West Virginia can seem impossible at first. However, once you know what to look for it is easy enough to compare policies and choose the one that is best for you and your family’s needs.
Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance in West Virginia is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap.
When attending college in West Virginia, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have college student health insurance. Don’t end up graduating with medical debt in addition to student loans!