Temporary Health Insurance in West Virginia
Temporary Health Insurance in West Virginia
Temporary Health Insurance in West Virginia is most commonly bought from private health insurance companies. But there are also other ways and alternative methods of getting temporary health insurance and all it takes is a little creativity and practical thinking.
People Who Need Temporary Health Insurance
People in between jobs are the most popular market of temporary health insurance plans. It’s offered to provide continuous and uninterrupted health protection to people who are temporarily out of a group health insurance plan. Part-time employees may also need temporary health insurance depending on their employment benefits. This also includes early retirees waiting for their Medicaid eligibility and dependents of a person with group health insurance plan who had been declared ineligible for coverage due to plan policies, e.g. graduation from college, legal separation and death of the employee.
Coverage of Temporary Health Insurance in West Virginia
Regular-termed health insurance plans with annual deductibles is no different with temporary health insurance in Virginia when it comes to coverage. The coverage of temporary health insurance may include doctor’s office visits and check-ups, medical examination and diagnosis such as x-ray, MRI and CT Scan, hospitalization and treatment, physician care, and even prescription drug benefits. But there is a very significant borderline to getting temporary health insurance that may make it prohibitive for some people; temporary health insurance is not offered to people with preexisting health conditions.
Methods of Retaining Coverage of Group Health Insurance Plan
There are ways of getting temporary health insurance in West Virginia despite having a preexisting health condition, and this is through COBRA, State Continuation Coverage, and Conversion Policy.
COBRA and State Continuation Coverage are federal laws that allow individuals to keep their group health insurance coverage for a limited period of time while they are either waiting for a new group health insurance plan to take them in or while they are looking for individual health insurance. This applies to both the employee and his qualified dependents. One of the most beneficial benefits of electing COBRA or State Continuation coverage as a means of getting temporary health insurance in West Virginia is that no new preexisting condition exclusion will be implemented, and complete coverage will be provided. But a disadvantage is that the premium will cost a lot more than what the person is paying when he was still employed. This is because he is obligated to pay for the full cost of the premium plus extra administrative charges.
Conversion policy, on the other hand, is quite similar to COBRA and State Continuation but without the limited timeframe. The person can keep his coverage as long as he pays for the premium. There will also be no new preexisting condition exclusion but there is no limit to how much the insurance company will charge for you to keep your coverage through conversion policy.
Financial Assistance
The Federal Health Coverage Tax Credit provides an up to 65 percent reimbursement for the premium of any qualified health insurance plan including those that were acquired through COBRA, State Continuation Coverage and conversion policy. There are a few qualifications and the reimbursement may either be directly sent to the insurance company or received as tax credit at the end of each year.
Health Insurance Companies in West Virginia
Charleston, West Virginia
§Britton Insurance Agency (A-1 Insurance)
§Commercial Insurance Service's
§Dorsey Insurance Agency, Inc
§Jim Triplett Insurance Agency
§Mountain State Insurance Agency Incorporated
Huntington, West Virginia
§First City Insurance Inc (Caudill, David A)
§Inland Mutual Insurance Co
§Lipscomb & Walker Insurance Agency Inc
§Todd Boggs Insurance Agency
§Young Insurance Agency Inc (Young Insurance Agency)
Parkersburg, West Virginia
§Fanta Insurance Inc (Waters Insurance Agency)
§Barker Bradley Blinn Insurance Agency Inc
§Alawat Insurance Agency
§Morton Insurance Agency (Morton, Bill Insurance)
§Vicki Rhodes Insurance Service Inc
Morgantown, West Virginia
§Bowers & Scott Insurance Agency Inc
§M D Burnell Insurance Agency (Nationwide)
§Groves Insurance Services
§Mass Mutual Life Insurance
§The Prudential Insurance Company Of America (Prudential)
Beckley, West Virginia
§Raleigh Insurance Associates Inc
§Larry R Reed Insurance Agency
§Shrewsberry Insurance (Shrewsberry, James E Insurance)
§Lorin Walls Insurance Agency
§Conrad Cooper Insurance
Temporary Health Insurance in West Virginia is most commonly bought from private health insurance companies. But there are also other ways and alternative methods of getting temporary health insurance and all it takes is a little creativity and practical thinking.
People Who Need Temporary Health Insurance
People in between jobs are the most popular market of temporary health insurance plans. It’s offered to provide continuous and uninterrupted health protection to people who are temporarily out of a group health insurance plan. Part-time employees may also need temporary health insurance depending on their employment benefits. This also includes early retirees waiting for their Medicaid eligibility and dependents of a person with group health insurance plan who had been declared ineligible for coverage due to plan policies, e.g. graduation from college, legal separation and death of the employee.
Coverage of Temporary Health Insurance in West Virginia
Regular-termed health insurance plans with annual deductibles is no different with temporary health insurance in Virginia when it comes to coverage. The coverage of temporary health insurance may include doctor’s office visits and check-ups, medical examination and diagnosis such as x-ray, MRI and CT Scan, hospitalization and treatment, physician care, and even prescription drug benefits. But there is a very significant borderline to getting temporary health insurance that may make it prohibitive for some people; temporary health insurance is not offered to people with preexisting health conditions.
Methods of Retaining Coverage of Group Health Insurance Plan
There are ways of getting temporary health insurance in West Virginia despite having a preexisting health condition, and this is through COBRA, State Continuation Coverage, and Conversion Policy.
COBRA and State Continuation Coverage are federal laws that allow individuals to keep their group health insurance coverage for a limited period of time while they are either waiting for a new group health insurance plan to take them in or while they are looking for individual health insurance. This applies to both the employee and his qualified dependents. One of the most beneficial benefits of electing COBRA or State Continuation coverage as a means of getting temporary health insurance in West Virginia is that no new preexisting condition exclusion will be implemented, and complete coverage will be provided. But a disadvantage is that the premium will cost a lot more than what the person is paying when he was still employed. This is because he is obligated to pay for the full cost of the premium plus extra administrative charges.
Conversion policy, on the other hand, is quite similar to COBRA and State Continuation but without the limited timeframe. The person can keep his coverage as long as he pays for the premium. There will also be no new preexisting condition exclusion but there is no limit to how much the insurance company will charge for you to keep your coverage through conversion policy.
Financial Assistance
The Federal Health Coverage Tax Credit provides an up to 65 percent reimbursement for the premium of any qualified health insurance plan including those that were acquired through COBRA, State Continuation Coverage and conversion policy. There are a few qualifications and the reimbursement may either be directly sent to the insurance company or received as tax credit at the end of each year.
Health Insurance Companies in West Virginia
Charleston, West Virginia
§Britton Insurance Agency (A-1 Insurance)
§Commercial Insurance Service's
§Dorsey Insurance Agency, Inc
§Jim Triplett Insurance Agency
§Mountain State Insurance Agency Incorporated
Huntington, West Virginia
§First City Insurance Inc (Caudill, David A)
§Inland Mutual Insurance Co
§Lipscomb & Walker Insurance Agency Inc
§Todd Boggs Insurance Agency
§Young Insurance Agency Inc (Young Insurance Agency)
Parkersburg, West Virginia
§Fanta Insurance Inc (Waters Insurance Agency)
§Barker Bradley Blinn Insurance Agency Inc
§Alawat Insurance Agency
§Morton Insurance Agency (Morton, Bill Insurance)
§Vicki Rhodes Insurance Service Inc
Morgantown, West Virginia
§Bowers & Scott Insurance Agency Inc
§M D Burnell Insurance Agency (Nationwide)
§Groves Insurance Services
§Mass Mutual Life Insurance
§The Prudential Insurance Company Of America (Prudential)
Beckley, West Virginia
§Raleigh Insurance Associates Inc
§Larry R Reed Insurance Agency
§Shrewsberry Insurance (Shrewsberry, James E Insurance)
§Lorin Walls Insurance Agency
§Conrad Cooper Insurance
Get a FREE Quote on Temporary Health Insurance in West Virginia!
Copyright 2009-Temporary Health Insurance in West Virginia