Many factors play a significant role in obtaining a West Virginia medical insurance quote due to their affect on the cost of health insurance in the state. In 2009, the United Health Foundation placed West Virginia in the #42 spot out of the fifty healthiest states. The state’s strengths are found in its low violent crime rate, high per capita public health funding, and low rates of alcohol abuse. However, high prevalence of smoking, obesity, and hospitalizations that could be prevented, have presented major challenges, driving high insurance premiums. The below information can help all WV residents.
Getting the Right West Virginia Medical Insurance Quote
If you need insurance and can’t get it through your employer, consider looking into the private market for an individual health insurance plan. Here are some tips to help ensure that you get quotes best suited for your needs: Find out what medical services are covered, the amount of the deductible and when the insurance starts to help pay for services. Know how much co-payments are after you reach the deductible. Assess the out-of-pocket maximum and check it carefully, as some of your spending may not count toward it.
How HIPAA Works with West Virginia Medical Insurance Quotes
HIPAA stands for the Health Insurance Portability and Accountability Act. It provides you the right to buy coverage by federal law. It prevents insurance companies from denying you health care coverage for a pre-existing condition. When obtaining a West Virginia medical insurance quote, ask about your eligibility for this protection.
The basic requirements for this program is that you had at least 18 months of prior coverage, that the coverage ended through your employment; any COBRA or state continuation coverage has been exhausted; and you had no more than a 63-day gap in coverage. You must act quickly to determine if you qualify for this protection. If you do qualify, West Virginia medical insurance quotes should include information about your right to coverage through AccessWV, the state’s high-risk pool.
All companies in West Virginia that sell individual insurance must offer you this coverage if you qualify for HIPAA protection.
West Virginia’s High-Risk Pool for People with Medical Problems
Programs that are run by the state sell health insurance to a small number of people who are denied coverage by insurance companies or who are underinsured or paying for expensive policies simply because they have an existing health problem. These people are considered high-risk pools and experience great difficulty when trying to get a West Virginia medical insurance quote.
In 2004, the West Virginia Health Insurance Plan was created by West Virginia Legislature. Now called AccessWV, it allows all West Virginia residents who qualify to purchase health insurance through the plan, despite their existing and historical health conditions. The State of West Virginia offers this plan, so be sure to ask about it when obtaining West Virginia medical insurance quotes.
For more information on West Virginia medical insurance, request a quote from us today.