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Virginia Health Insurance

If you are looking for health insurance, you are likely to be offered two broad categories at present: individual and group. Those who seek individual insurance are mainly self-employed, or are employed by a company that does not have a health plan, or who have a family and who are in need of individual insurance for their family members. When you buy an individual plan, you need to pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. If you go for a group policy instead, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurance company starts paying for your valid medical bills.

In Virginia, with the exception of Blue Cross Blue Shield, private insurers are free to deny you individual insurance due to a health problem. HIPPA eligible persons, however, do not fall under this rule. Anthem and CareFirst Blue Cross Blue Shield companies are bound to write an individual policy, even if you have a medical problem. In the presence of a pre-existing condition, individual insurers can attach elimination riders and can also impose exclusion periods for a maximum of 12 months. In Virginia pregnancy may be considered a pre-existing condition, but genetic information cannot. Your individual policy cannot be cancelled on account of illness either.

Virginia regulations ensure that no qualified persons can be denied or charged more for group coverage if they have a medical problem. Your new boss can want to wait to offer group coverage and a new HMO can impose an affiliation period. Insurers can look back at your health records for the six months prior to coverage. If you have a pre-existing condition, the insurance companies can exclude coverage for a maximum of 12 months. If you have had unbroken coverage for over 63 days, you are entitled to creditable coverage for the exclusion period.

Small businesses with two to 50 employees cannot be denied small group health coverage, nor can it be cancelled due to illness of the employees. Rather, they must be offered standard and essential plans. Virginia does not allow self-employed persons to buy group coverage. For affiliations with a business or professional association, one may contact the Virginia Bureau of Insurance.

Medicaid, Family Access to Medical Insurance Security, and Breast and Cervical Cancer Early Detection Program are some of the assistance programs helping low to moderate income residents of Virginia.

As choice of the right quotes is a difficult task, you should do some homework before making a final decision. You should rather appoint professional health insurance agents and brokers to get better results. Being expert and experienced in this field, these agents and brokers can offer you valuable suggestions so that you can make the right choice among several quotes.

The main health insurance providers in Virginia are Aetna, Anthem Blue Cross and Blue Shield of Virginia, CareFirst BlueCross BlueShield, Celtic, Fairmont Specialty Group, Fortis, Golden Rule, Guardian, Kaiser Permanente, Security Life and UNICARE.

 

 

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To find US News rankings of a Virginia Health Insurance Plan, Click the logo:

An annual guide is provided by US News to what it considers the best health insurance plan(s) in each state. Click through the pages on a Virginia health insurance plan or Virginia medical insurance plan to view specific reports or click on the following:

 

You can contact your Virginia-elected officials about health care issues:

On national level

On state level

 

Health Insurance Information on Official State of Virginia Sites

 

Health insurance can be purchased in these Virginia Counties: Accomack County, Albemarle County, Alleghany County, Amelia County, Amherst County, Appomattox County, Arlington County, Augusta County, Bath County, Bedford County, Bland County, Botetourt County, Brunswick County, Buchanan County, Buckingham County, Campbell County, Caroline County, Carroll County, Charles City County, Charlotte County, Chesterfield County, Clarke County, Craig County, Culpeper County, Cumberland County, Dickenson County, Dinwiddie County, Essex County, Fairfax County, Fauquier County, Floyd County, Fluvanna County, Franklin County, Frederick County, Giles County, Gloucester County, Goochland County, Grayson County, Greene County, Greensville County, Halifax County, Hanover County, Henrico County, Henry County, Highland County, Isle Of Wight County, James City County, King & Queen County, King George County, King William County, Lancaster County, Lee County, Loudoun County, Louisa County, Lunenburg County, Madison County, Mathews County, Mecklenburg County, Middlesex County, Montgomery County, Nelson County, New Kent County, Northampton County, Northumberland County, Nottoway County, Orange County, Page County, Patrick County, Pittsylvania County, Powhatan County, Prince Edward County, Prince George County, Prince William County, Pulaski County, Rappahannock County, Richmond County, Roanoke County, Rockbridge County, Rockingham County, Russell County, Scott County, Shenandoah County, Smyth County, Southampton County, Spotsylvania County, Stafford County, Surry County, Sussex County, Tazewell County, Warren County, Washington County, Westmoreland County, Wise County, Wythe County, and York County

Health insurance can be purchased from various cities in Virginia: Abingdon, Accomac, Achilles, Afton, Alberta, Aldie, Alexandria, Altavista, Alton, Amelia Court House, Amherst, Amissville, Ammon, Amonate, Ampthill, Andersonville, Andover, Annandale, Appalachia, Appomattox, Ararat, Arcola, Ark, Arlington, Aroda, Arrington, Arvonia, Ashburn, Ashland, Assawoman, Atkins, Atlantic, Augusta Springs, Austinville, Axton, Aylett, Bacova, Baileys Crossroads, Banco, Bandy, Barboursville, Barhamsville, Barren Springs, Baskerville, Bassett, Bastian, Basye, Batesville, Battery Park, Bealeton, Beaverdam, Bedford, Bee, Bellamy, Belle Haven, Belleview, Bellevue, Belspring, Ben Hur, Bena, Bent Mountain, Bentonville, Bergton, Berryville, Big Island, Big Rock, Big Stone Gap, Birchleaf, Birdsnest, Bishop, Blacksburg, Blackstone, Blackwater, Blairs, Bland, Bloxom, Blue Grass, Blue Ridge, Bluefield, Bluemont, Bohannon, Boissevain, Bon Air, Boones Mill, Boston, Bowling Green, Boyce, Boyd Tavern, Boydton, Boykins, Bracey, Branchville, Brandy Station, Breaks, Bremo Bluff, Bridgewater, Brightwood, Bristol, Bristow, Broad Run, Broadford, Broadway, Brodnax, Brooke, Brookneal, Brownsburg, Browntown, Brucetown, Bruington, Buchanan, Buckingham, Buena Vista, Buffalo Junction, Bumpass, Burgess, Burke, Burkes Garden, Burkeville, Burr Hill, Callands, Callao, Callaway, Calverton, Cana, Cape Charles, Capeville, Capron, Cardinal, Caret, Carrollton, Carrsville, Carson, Cartersville, Casanova, Cascade, Castleton, Castlewood, Catawba, Catharpin, Catlett, Cave Spring, Cedar Bluff, Center Cross, Centreville, Ceres, Champlain, Chantilly, Charles City, Charlotte Court House, Charlottesville, Chase City, Chatham, Check, Cheriton, Chesapeake, Chester, Chester Gap, Chesterfield, Chilhowie, Chincoteague, Chincoteague Island, Christchurch, Christiansburg, Church Road, Church View, Churchville, Claremont, Clarksville, Claudville, Clear Brook, Cleveland, Clifford, Clifton, Clifton Forge, Clinchco, Clintwood, Clover, Cloverdale, Cluster Springs, Cobbs Creek, Cobham, Coeburn, Coleman Falls, Coles Point, Collinsville, Colonial Beach, Colonial Heights, Columbia, Community, Concord, Copper Hill, Corbin, Council, Courtland, Covesville, Covington, Craddockville, Craigsville, Crewe, Criders, Crimora, Cripple Creek, Critz, Crockett, Cross Junction, Crozet, Crozier, Crystal City, Crystal Hill, Cullen, Culpeper, Cumberland, Dahlgren, Dale City, Daleville, Damascus, Dante, Danville, Davenport, Davis Wharf, Dayton, Deerfield, Delaplane, Deltaville, Dendron, Dewitt, Diggs, Dillwyn, Dinwiddie, Disputanta, Doe Hill, Dogue, Dolphin, Doran, Doswell, Drakes Branch, Draper, Drewryville, Dry Fork, Dryden, Dublin, Duffield, Dugspur, Dulles, Dumfries, Dundas, Dungannon, Dunn Loring, Dunnsville, Dutton, Dyke, Eagle Rock, Earlysville, East Stone Gap, Eastern Shore, Eastville, Ebony, Edinburg, Edwardsville, Eggleston, Elberon, Elk Creek, Elkton, Elkwood, Elliston, Emory, Emporia, Engleside, Esmont, Etlan, Ettrick, Evergreen, Evington, Ewing, Exmore, Faber, Fairfax, Fairfax Station, Fairfield, Fairlawn, Falls Church, Falls Mills, Falmouth, Fancy Gap, Farmville, Farnham, Fentress, Ferrum, Fieldale, Fife, Fincastle, Fishers Hill, Fishersville, Fleet, Flint Hill, Floyd, Foneswood, Ford, Forest, Fork Union, Fort A.P. Hill, Fort Belvoir, Fort Blackmore, Fort Defiance, Fort Eustis, Fort Lee, Fort Mitchell, Fort Myer, Fort Valley, Foster, Franconia, Franklin, Franktown, Fredericksburg, Free Union, Freeman, Fries, Front Royal, Fulks Run, Gainesville, Galax, Garrisonville, Gasburg, Gate City, George Mason, Glade Spring, Gladehill, Gladstone, Gladys, Glasgow, Glen Allen, Glen Lyn, Glen Wilton, Gloucester, Gloucester Point, Goldbond, Goldvein, Goochland, Goode, Goodview, Gordonsville, Gore, Goshen, Grafton, Graves Mill, Great Falls, Green Bay, Greenbackville, Greenbush, Greenville, Greenway, Greenwood, Gretna, Grimstead, Grottoes, Grundy, Gum Spring, Gwynn, Hacksneck, Hadensville, Hague, Halifax, Hallieford, Hallwood, Hamilton, Hampden-Sydney, Hampton, Hanover, Harborton, Hardy, Hardyville, Harman, Harrisonburg, Hartfield, Hartwood, Hayes, Hayfield, Haymarket, Haynesville, Haysi, Haywood, Head Waters, Heathsville, Henry, Herndon, Highland Springs, Hillsboro, Hillsville, Hiltons, Hinton, Hiwassee, Hollins, Hollins College, Honaker, Hood, Hopewell, Horntown, Horsepen, Hot Springs, Howardsville, Huddleston, Hudgins, Hume, Huntly, Hurley, Hurt, Hustle, Independence, Indian Valley, Iron Gate, Ironto, Irvington, Isle Of Wight, Ivanhoe, Ivor, Ivy, Jamaica, Jamestown, Jamesville, Jarratt, Java, Jefferson Manor, Jeffersonton, Jenkins Bridge, Jersey, Jetersville, Jewell Ridge, Jonesville, Keeling, Keen Mountain, Keene, Keezletown, Keller, Kenbridge, Kents Store, Keokee, Keswick, Keysville, Kilmarnock, King And Queen Court House, King George, King William, Kinsale, La Crosse, Lacey Spring, Lackey, Ladysmith, Lake Ridge, Lakeside, Lambsburg, Lancaster, Laneview, Lanexa, Langley AFB, Laurel Fork, Lawrenceville, Lebanon, Lebanon Church, Leesburg, Leon, Lexington, Lightfoot, Lignum, Lincoln, Linden, Linville, Little Plymouth, Lively, Locust Dale, Locust Grove, Locust Hill, Locustville, Long Island, Loretto, Lorton, Lottsburg, Louisa, Lovettsville, Lovingston, Low Moor, Lowry, Lunenburg, Luray, Lynch Station, Lynchburg, Lyndhurst, Machipongo, Macon, Madison, Madison Heights, Madison Mills, Maidens, Manakin Sabot, Manassas, Manassas Park, Mannboro, Manquin, Mappsville, Marion, Marionville, Markham, Marshall, Martinsville, Maryus, Mascot, Massies Mill, Mathews, Matoaca, Mattaponi, Maurertown, Mavisdale, Max Meadows, Maxie, Mc Coy, McClure, McDowell, McGaheysville, McKenney, McLean, Meadows of Dan, Meadowview, Mears, Mechanicsville, Meherrin, Melfa, Mendota, Meredithville, Merrifield, Merry Point, Middlebrook, Middleburg, Middletown, Midland, Midlothian, Milford, Millboro, Millboro Springs, Millers Tavern, Millwood, Mine Run, Mineral, Mint Spring, Mitchells, Modest Town, Mollusk, Moneta, Monroe, Montclair, Monterey, Monticello, Montpelier, Montpelier Station, Montross, Montvale, Moon, Morattico, Mosby, Moseley, Mount Crawford, Mount Holly, Mount Jackson, Mount Sidney, Mount Solon, Mount Vernon, Mouth of Wilson, Mustoe, Narrows, Naruna, Nassawadox, Nathalie, Natural Bridge, Natural Bridge Station, Nellysford, Nelson, Nelsonia, New Canton, New Castle, New Church, New Hope, New Kent, New Market, New Point, New River, Newbern, Newington, Newport, Newport News, Newsoms, Newtown, Nickelsville, Ninde, Nokesville, Nora, Norfolk, Norfolk Cvb, Norfolk Downtown, Norge, North, North Garden, North Springfield, North Tazewell, Norton, Norwood, Nottoway, Nuttsville, Oak Grove, Oak Hall, Oakpark, Oakton, Oakwood, Occoquan, Oceana NAS, Oilville, Oldhams, Onancock, Onemo, Onley, Ophelia, Orange, Ordinary, Oriskany, Orkney Springs, Orlean, Oyster, Paeonian Springs, Paint Bank, Paint Lick, Painter, Palmyra, Pamplin, Paris, Parksley, Parrott, Partlow, Patrick Springs, Pearisburg, Pembroke, Penhook, Penn Laird, Pennington Gap, Petersburg, Phenix, Philomont, Pilgrims Knob, Pilot, Pimmit, Piney River, Pittsville, Pittsylvania, Pleasant Valley, Pocahontas, Poquoson, Port Haywood, Port Republic, Port Royal, Portsmouth, Portsmouth USCG, Pound, Pounding Mill, Powhatan, Pratts, Prince George, Prince William, Prospect, Providence Forge, Pulaski, Pungoteague, Purcellville, Quantico, Quantico MCBB, Quicksburg, Quinby, Quinque, Quinton, Radford, Radiant, Randolph, Raphine, Rapidan, Rappahannock Academy, Raven, Rawlings, Rectortown, Red Ash, Red House, Red Oak, Redwood, Reedville, Regency, Remington, Remlik, Republican Grove, Rescue, Reston, Reva, Rhoadesville, Rice, Rich Creek, Richardsville, Richlands, Richmond, Ridge, Ridgeway, Rileyville, Riner, Ringgold, Ripplemead, Rixeyville, Roanoke, Rochelle, Rockbridge Baths, Rockville, Rocky Gap, Rocky Mount, Rollins Fork, Rose Hill, Rosedale, Roseland, Rosslyn, Round Hill, Rowe, Ruby, Ruckersville, Rural Retreat, Rustburg, Ruther Glen, Ruthville, Saint Charles, Saint Paul, Saint Stephens, Salem, Saltville, Saluda, Sandston, Sandy Hook, Sandy Level, Sanford, Saxe, Saxis, Schley, Schuyler, Scottsburg, Scottsville, Seaford, Sealston, Seaview, Sedley, Selma, Seven Corners, Seven Mile Ford, Severn, Shacklefords, Sharps, Shawsville, Shendandoah, Shipman, Shortt Gap, Singers Glen, Skippers, Skipwith, Smithfield, Snell, Somerset, Somerville, South Boston, South Hill, South Riding, Sparta, Speedwell, Spencer, Sperryville, Spotsylvania, Spottswood, Spout Spring, Spring Grove, Springfield, Sprouses Corner, Stafford, Staffordsville, Stanardsville, Stanley, Stanleytown, Star Tannery, Staunton, Steeles Tavern, Stephens City, Stephenson, Sterling, Stevensburg, Stevensville, Stonega, Stony Creek, Strasburg, Stratford, Stuart, Stuarts Draft, Studley, Suffolk, Sugar Grove, Sumerduck, Surry, Susan, Sussex, Sutherland, Sutherlin, Sweet Briar, Swoope, Swords Creek, Syria, Tabb, Tangier Island, Tannersville, Tappahannock, Tasley, Tazewell, Temperanceville, Thaxton, The Plains, Thornburg, Timberlake, Timberville, Toano, Toms Brook, Topping, Townsend, Trammel, Trevilians, Triangle, Trout Dale, Troutville, Troy, Tyro, Tysons Corner, Union Hall, Unionville, Upperville, Urbanna, Valentines, Vansant, Venia, Vernon Hill, Verona, Vesta, Vesuvius, Victoria, Vienna, Viewtown, Village, Villamont, Vint Hill Farms, Vinton, Virgilina, Virginia Beach, Volney, Wachapreague, Wake, Wakefield, Walkerton, Wallops Island, Wardtown, Ware Neck, Warfield, Warm Springs, Warrenton, Warsaw, Washington, Water View, Waterford, Wattsville, Waverly, Waynesboro, Weber City, Weems, West Augusta, West Mclean, West Point, West Springfield, Westmoreland, Weyers Cave, White Hall, White Marsh, White Plains, White Post, White Stone, Whitetop, Whitewood, Wicomico, Wicomico Church, Williamsburg, Williamsville, Willis, Willis Wharf, Wilsons, Winchester, Windmill Point, Windsor, Wingina, Wintergreen, Wirtz, Wise, Withams, Wolford, Wolftown, Woodberry Forest, Woodbridge, Woodford, Woodlawn, Woods Cross Roads, Woodstock, Woodville, Woolwine, Wylliesburg, Wytheville, Yale, Yorktown , Zacata, Zanoni and Zuni.

 

 

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