West Virginia health insurance provides vital financial protection in the event of accident or long term illness. None of us ever plans to face one of these situations, but we should prepare for it.
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West Virginia does not mandate the availability or type of health insurance policy companies offer. Insurance companies are allowed to tailor their West Virginia health insurance coverage to your situation as they see fit. However, you should be aware of the following important facts:
When looking for health insurance coverage, shop with the following tips in mind:
Good News About West Virginia Health Insurance:
Guaranteed issue means that if you are purchasing a group plan for 50 employees or less, you cannot be turned down because of your age or health.
If you have group insurance, you cannot be denied or limited coverage due to health-related conditions. This is called nondiscrimination.
Your West Virginia health insurance cannot be canceled if you get sick. This is called guaranteed renewability. Your coverage can only be canceled if you don't pay your premiums, move out of your coverage area or provide your insurer fraudulent information.
Leaving a job through which you hold West Virginia health insurance means you may be able to continue that coverage for a limited time through a program known as COBRA. This coverage can last up to 18 months but cannot be renewed at the end of this time. For more information, contact the U.S. Department of Labor at (404) 562-2156.
If You're Self-Employed:
The government allows self-employed individuals to deduct 100 percent of individual health insurance premiums from their federal income tax. This is definitely good news if you're self-employed!
You may also want to consider looking for West Virginia health insurance through a professional or trade association if you're self-employed. These organizations sometimes provide the same or better coverage at discounted prices.
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