Individual Health Insurance in Virginia (VA)
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The Old Dominion State is where 7.4 million Americans make their homes and build their businesses. Each year, another 104,000 are born into the family. Unfortunately, 13 percent of all Virginians do not have any health insurance. A large portion of the insured residents of Virginia don't have enough coverage to pay for their medical expenses. Health insurance plans come in a wide array of costs and coverage options, one to suit practically everyone's needs and budget.
Virginia Health Challenges
About 15 percent of Virginia's new mothers-to-be do not get the prenatal care they need to ensure a healthy delivery. This results in about 8580 low birth weight babies born each year, 8 percent of all newborns. Another 12 percent are born too early. Nineteen percent of children under the age of 3 in Virginia do not receive the immunizations they need, 14 percent of kids between the ages of 10 and 17 are overweight and 39 percent did not get to visit both a doctor and a dentist last year. Most of these issues could be easily paid for by the most basic health insurance policy.
Virginia Health Insurance Needs
All Virginians can benefit from the regular checkups and appointments that are covered by a good health plan. Common chronic conditions must be caught early, treated and monitored to help keep them from becoming serious illnesses. For example, 7 percent of adults in Virginia are diagnosed with diabetes, 14 percent have asthma, 59 percent are obese or overweight and 21 percent are smokers. Don't wait to start protecting your health with a quality insurance plan.
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Health Insurance Laws in Virginia
Virginia law allows insurance companies to deny coverage due to health problems. The exceptions are HIPAA eligible individuals and those who apply for plans through Blue Cross Blue Shield; they are guaranteed coverage. Anthem and CareFirst Blue Cross Blue Shield are required to write an individual policy despite health status. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 12 months, or permanently excluded with the attachment of an elimination rider. Pregnancy qualifies as a pre-existing condition, but genetic information does not. There are no regulations limiting premium prices. Your policy can not be cancelled because you become sick.
Individual Health Insurance Companies in Virginia
American Medical Security
Anthem Blue Cross and Blue Shield of Virginia
CareFirst BlueCross BlueShield
Fairmont Specialty Group