Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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Virginia Affordable Health Insurance Exchange
Virginia has 22
commercial health
insurance companies
that issue
individual major
medical insurance
and 36 small group
health insurance
plans as well as
the open enrollment
Anthem Blue Cross
Blue Shield
health plan for residents
who have been denied
other commercial
coverage due to
pre-existing medical
conditions. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Virginia insurance & benefit news
Virginia had the
21st lowest health insurance costs of all states in 2008 with an average family premium of $11,939 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 22nd out of
the 51 states
(including DC).
Anthem Blue Cross
Blue Shield of
Virginia is by far
the largest health
insurance company in
Virginia, collecting
more premium revenue
than the next ten
largest companies
combined.
Short Term Insurance
Intermediate Term
Supplemental Insurance
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Virginia Insurance Law
The
Virginia
Bureau
of Insurance Web site contains
a link to the
complete text of the
state's
insurance laws and
regulations.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (804) 371-9741 or by mail at P.O. Box 1157,
Richmond VA 23218. The state children's health insurance plan (CHIP) Web site is
Virginia FAMIS.
Non-insurance Discount Plans
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Consumer Insurance Issues
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Virginia is now available at Freedom Benefits.
3/24/2010 Virginia enacted a new saying that
no Virginian can be required to purchase insurance. Additional legal action
against the federal government's health care reform law is expected in the near
future.
3/18/2010 Five of the
state's largest health insurance companies received state
approval to raise premium rates an average of 14% beginning
April 1 or May 1. The rate increases for Humana, Prudential,
Golden Rule, Anthem and Optima and are primarily
attributable to increases in utilization or the rate at
which members elect to use expensive services like MRIs, CAT
scans and other technology itensive diagnostic procedures.
Prudential experienced an even higher rate of increased
claims but the state will require the insurer to recoup the
costs though other methods like limiting benefits or
allocating the costs to future rate increases to other types
of health plan members instead
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