Individual Health Insurance in West Virginia (WV)
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The Mountain State is where 1.8 million Americans make their homes. Almost 21,000 new West Virginians are born in the state each year. Unfortunately, 15 percent have no health insurance at all. The good news is there is a large variety of health insurance plans available that there is sure to be one that fits the needs of most, if not all, residents of West Virginia.
Health Facts and Challenges in West Virginia
A lack of health insurance hurts even the smallest West Virginians - 14 percent of new mothers in West Virginia don't get the prenatal care they need to ensure a healthy pregnancy and delivery. This results in 1900 low birth weight babies each year, or 9 percent of all newborns, and another 14 percent are born prematurely. Twenty-two percent of all children under the age of 3 don't receive the immunizations they need, 11 percent of kids who are between the ages of 10 and 17 are overweight and 36 percent didn't get to see both a dentist and a doctor last year. A basic health insurance policy would be a good step in improving these numbers.
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West Virginia Health Insurance Needs
A health insurance policy that takes care of annual doctor's appointments and preventive care would benefit all people living in the state. Ten percent of adults living in West Virginia are diagnosed with diabetes, 13 percent have asthma, 63.6 percent are overweight or obese and 27 percent are smokers. Unchecked, these conditions can spawn even more serious conditions. If you are lacking health insurance, don't wait to get started on finding a quality plan to help keep your healthy and happy.
West Virginia Health Insurance Laws
West Virginia law allows insurance companies to deny coverage due to a health problem, unless you are HIPPA eligible. Check with your state insurance department for eligibility requirements. HMOs have open enrollment periods during which all applicants are accepted, with some restrictions. Pre-existing conditions can be excluded with the attachment of elimination riders. Pregnancy qualifies as a pre-existing condition. There are no regulations limiting premium increases and prices. Your policy will not be cancelled because you become sick.
Individual Health Insurance Companies in West Virginia
Fairmont Specialty Group
Mountain State Blue Cross Blue Shield of West Virginia