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West Virginia Health Insurance

Health insurance comes in two broad categories nowadays: individual and group. Those who purchase individual insurance are mainly self-employed, or are employed by a company that does not offer a health plan, or who have a family and who want individual insurance for their family members. When one buys an individual plan, he/she is required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If one goes for a group policy instead, he/she must pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance begins paying for your valid medical bills.

In West Virginia, individual health insurers may reject your application for individual coverage because of a health problem. HIPAA eligible people are, however, exempt from this rule. HMOs have open enrollment periods when you cannot be denied coverage, except with certain exceptions. Insurance companies can review your medical records for the prior two years before coverage and attach elimination riders to policies. Pregnancy can be treated as a pre-existing condition. Your policy cannot be cancelled due to your illness

In West Virginia, you cannot be denied group health coverage or charged more because of a health problem, provided you are qualified. Employers may wait to offer group coverage to new employees and new HMOs are allowed to impose affiliation periods. Insurers can look back at your medical history for the six months prior to coverage. If you have a pre-existing condition, they can exclude it from the beginning of new coverage for a period that should not exceed 12 months. If you have kept unbroken coverage of more than 63 days, you qualify for creditable coverage.

Small businesses cannot denied small group health policies and cannot have their insurance cancelled due to illness of the employees. West Virginia allows self-employed people to buy small group insurance. For joining professional associations for the purpose of acquiring their group coverage, one may contact the West Virginia Insurance Commissioner first.

Programs in West Virginia include Medicaid and State Child Health Insurance Plan that help low income residents.

As selecting the best quotes is difficult, you should do a proper research before making a final choice. However, it is always better to appoint professional health insurance agents and brokers who can be of great help in this regard with their valuable experience and expertise.

The leading health insurance providers in West Virginia are Assurant Health (formerly Fortis), Fairmont Specialty Group and Mountain State Blue Cross Blue Shield.

Wisconsin Health Insurance

Health insurance these days is available in two broad categories: individual and group. Those who go for individual insurance are generally self-employed, or are employed by a company that does not offer a health plan, or who have a family and who want individual insurance for their family members. When you purchase an individual plan, you have to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you choose a group policy instead, you must pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance begins paying for your valid medical bills.

In Wisconsin, you can be denied individual health coverage if you have a medical problem. However, those who cannot get coverage through Wisconsin Health Insurance Risk Sharing Plan can seek the help of some assistance plans. In case you have a pre-existing condition, insurers can impose an exclusion period not exceeding two years and can also attach an elimination rider to the policy. Pregnancy can be treated as a pre-existing condition, but not genetic information. There is no creditable coverage under individual policies. Your insurance cannot be cancelled because of your illness.

If you are eligible, you cannot be denied group health insurance or charged more because of a health problem. In Wisconsin, group insurers are required to include the whole employee group when offering coverage. An employer is allowed a waiting period to offer group health insurance to a new employee. A new HMO can also impose an affiliation period. Insurers can look back at the prior six months of your health records to determine if you have any pre-existing conditions. In case you have one, they can impose an exclusion period not exceeding 12 months. If you have had unbroken coverage of more than 63 days, you qualify for creditable coverage.

Small businesses having two to 50 employees cannot be denied small group health coverage because of health factors of the employees, nor can they be cancelled due to illness in the groups. Wisconsin does not allow self-employed persons to buy group insurance. For regulations dealing with business and professional associations, one should contact the Wisconsin Commissioner of Insurance.

Programs in Wisconsin include Wisconsin Health Insurnace Risk Sharing Plan, Medicaid, Badgercare, and Well Women Program.

As choosing the right quotes is difficult, you should do a proper research before making a final decision. However, it is always better to appoint professional health insurance agents and brokers who can be of great help in this regard with their valuable experience and expertise.

Some leading health insurance providers in Wisconsin are American Medical Security, BlueCross BlueShield of Wisconsin, Celtic, Cobalt, Fairmont Specialty Group, Fortis, Golden Rule, Humana, Midwest Security and Security Life.

 

 

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Useful links and information:

Public Employees Insurance Agency (PEIA)

State Of West Virginia

West Virginia Insurance Commission

Homepage of Governor Manchin

Children's Health Insurance Program

 

 

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