Virginia Health Insurance

Health Insurance Overview

Virginia residents have many options for health care coverage. There are numerous Virginia insurance providers to choose from, along with a variety of Virginia medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Virginia health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Virginia medical insurance from the best Virginia insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Virginia health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Virginia health insurance programs, and even details on some of the top Virginia insurance providers.

To compare specific Virginia medical insurance plans offered by the various Virginia insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Virginia health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Virginia health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Virginia? Find your state here.

Virginia Health Insurance Facts & Statistics

Total Virginia Residents – 7,700,400

Total Health Insurance Coverage In Virginia:
Employer – 56%
Individual – 5%
Medicaid – 9%
Medicare – 12%
Other Public – 4%
Uninsured – 13%

Average Individual Monthly Premiums – $240

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,114

Average adjusted hospital cost per inpatient day – $1,747

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Virginia Medical Insurance Laws, Regulations & Policies

There are several Virginia health insurance laws and regulations that are put in place to protect policyholders living in the state. Most Virginia insurance providers will look at your health status before they accept you into coverage and set your premiums. However, there are two Virginia insurance providers that cannot deny your application and cannot impose permanent exclusion periods. These are CareFirst Blue Cross Blue Shield and Anthem Blue Cross Blue Shield.

Virginia health insurance law requires that all health plans cover certain medical services such as:

  • Patient care costs in clinical cancer trials
  • Screening for prostate, cervical, colorectal, and breast cancer
  • Medical care for pregnant women
  • Newborn baby health screenings
  • Vaccinations for children

Virginia insurance providers must also cover mental health conditions equally to physical health conditions. Additionally, Virginia residents who are HIPAA-eligible have certain protections under federal and state law. Once you are accepted for coverage, insurers are not allowed to cancel your coverage simply because you get sick or are injured.

Virginia Health Insurance Resources

Office of Family Health Services

Information on more than 50 programs designed to strengthen the health of local communities. Visit the website.

Uninsured Medical Catastrophe Fund

The Virginia Department of Medical Assistance can provide funds for uninsured Virginians with life threatening conditions. Visit the website.

Virginia Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Virginia with pre-existing conditions can get health insurance coverage through the Pre-Existing Condition Insurance Plan (PCIP). This works similar to normal Virginia health insurance policies and requires enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Virginia PCIP pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly costs for Virginia residents is $289 for ages 0 to 34; $347 for ages 35 to 44; $443 for ages 45 to 54; $616 for ages 55 and older. The plan has a $2,500 deductible, which must be met before health insurance benefits are covered. There is also a $5,950 out-of-pocket limit for a year. Virginia residents who are eligible for the plan will have access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.

Individuals may apply for the Virginia PCIP program if they are a United States’ citizen, have been uninsured for six months, and have an existing medical condition. For more information on the Virginia health insurance high risk pools visit http://www.healthcare.gov.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Virginia Medical Insurance and Health Care Programs

The state of Virginia offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Medicaid program in Virginia is designed for the lowest earners and disabled residents. To learn more about Virginia Medicaid, visit online.
  • Family Access to Medical Insurance Security (FAMIS)
    FAMIS is committed to insuring access to affordable health insurance for children. This program is Virginia’s Children’s Health Insurance Program and provides health care coverage for children and pregnant women. FAMIS also offers dental care coverage for children through Smiles For Children. To learn more about this Virginia health insurance program, visit the website.
  • Every Women’s Life
    This is Virginia’s Breast and Cervical Cancer Early Detection Program, which provides free mammograms and cervical cancer screening for low-income women. Find out more about this women’s Virginia health insurance program.
  • Virginia Medicare
    Seniors can find Virginia health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

The federal government also provides some financial assistance to Virginia residents. The Federal Health Coverage Tax Credit helps pay up to 60 percent of health plan premiums for trade workers and early retirees. To learn more about this program, visit the IRS, http://www.irs.gov/individuals/article/0,,id=109960,00.html.

Virginia Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to more than 787,000 doctors, hospitals and other health care providers.

Anthem Blue Cross and Blue Shield of Virginia Health Insurance

Anthem BCBS provides health coverage for millions Americans across the country. Together with WellPoint, Anthem BCBS continues to focus on providing affordable plans and keeping members healthy.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their healthcare and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Optima Health Insurance Company Health Insurance

Optima serves more than 415,000 people throughout Virginia. Optima’s mission is to improve health every day and be the plan of choice for the communities it serves.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Virginia Bureau of Insurance and Department of Health Services

Find the contact information for the Virginia health insurance and health services departments at:

Virginia Bureau of Insurance
Mailing Address:
P.O. Box 1157
Richmond, VA 23218

Street Address:
1300 East Main Street
Richmond, VA 23219
Phone: (804) 371-9741
http://www.scc.virginia.gov/boi/

Virginia Department of Health
P.O. Box 2448
Richmond, VA 23218-2448
Phone: (804) 864-7001
http://www.vdh.state.va.us/