Low Cost West Virginia Health Insurance - West Virginia Health Insurance - West Virginia Small Business Insurance - Health Insurance West Virginia - West Virginia Affordable Health Insurance - West Virginia Free Instant Quotes - Health Insurance in West Virginia - Medical Insurance West Virginia - West Virginia Health Insurance Companies - West Virginia Medicare Supplements - West Virginia HSA's - West Virginia Health Savings Accounts - West Virginia Health Insurance Plans - West Virginia Health Care - West Virginia Insurance Company - West Virginia Cheap Health Insurance - Cheap Health Care Plans West Virginia - West Virginia Healthcare Plans - Blue Cross Blue Shield - BCBSWV - Americhoice Health Insurance - Health Insurance West Virginia - Affordable Health Insurance WV - Low Cost Health Insurance WV - Low Cost Health Insurance in West Virginia - Affordable Health Insurance West Virginia - Low Cost Family Health Insurance West Virginia - Affordable Health Insurance in WV - Low Cost Health Insurance in WV - WV Health Insurance - West Virginia Medical Insurance - Health Insurance WV - West Virginia Low Cost Health Insurance - West Virginia Health Insurance Exchange - Health insurance Exchange WV
Americhoice Agency, Inc.  
1 2

Select Your State


Our affiliate West Virginia Health Insurance Agents license with many of the quality Insurance Companies in West Virginia.  When you work with one of our Health & Medical Insurance agents they will provide the most affordable low cost health insurance or West Virginia medical insurance plans for small business, self employed, families, individuals and groups.  Your needs and budget are a primary concern in choosing a quality West Virginia health care plan. More importantly, you want a company that will be easy to work with when you have a claim. For  Health Insurance plans and HSA's (Health Savings Accounts) we make your search for affordable low cost health insurance easy.



Freedom is Our Choice.
Socialism Leaves No Choice.

"Liberty is seldom lost all at once; it is lost in pieces over time..."

How to Choose the Right Health Care Plan

 

WELCOME WEST VIRGINIA RESIDENTS AND COMPANIES

Our Health Insurance page will provide you with Quotes for Health Insurance plans as well as short term plans.

Get A Quote Here!

   Individual and Family Health Insurance
   Temporary Individual Health Insurance
   Small Business & Group Health Insurance- Save 20%- 40%
   Term Life Insurance

National Healthcare articles

Obamacare Puts Most Health Insurance Agents Out Of Business

Instant Quote Buttons

  Travel & International Insurance-Quote or Apply
Hawaii International Travel Insurance Quotes





 

Your Rights under West Virginia Health Insurance Law
(Copyright 2005 All Rights Reserved)


Individual Health Insurance:

In West Virginia, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage.

If you are federally eligible you are guaranteed the right to buy an individual health plan and are exempted from pre-existing condition exclusion periods. To be federally eligible, you must meet all of the following:

You must have had 18 months of continuous creditable coverage, at least the last day of which was under a group health plan.

You also must have used up any COBRA or state continuation coverage for which you were eligible.

You must not be eligible for Medicare, Medicaid or a group health plan.

You must apply for health insurance for which you are federally eligible within 63 days of losing your prior coverage.

West Virginia Children’s Health Insurance Program is a state-designed program that provides health coverage to low-income children under the age of 19 who have health insurance.

A child whose family has a household income below 150% of the federal poverty level is eligible of West Virginia Children’s Health Insurance Program.

Eligibility is guaranteed for one year unless the child moves from the state, enrolls in Medicaid, is found to have other insurance coverage, or becomes financially ineligible.

For more information, please visit the West Virginia Insurance Commission at http://www.state.wv.us/insurance


Group Health Insurance:

You cannot be turned away or charged more because of your health status.

Under West Virginia law, newborns, adopted children and children placed for adoption are automatically covered under the parents’ fully insured health plan for the first 31 days.

When you begin a new job with health insurance through an HMO, the HMO may require an affiliation period before coverage begins.

Under group health plans, coverage for pre-existing conditions can be excluded only for a limited time.

No pre-existing condition exclusion period can be applied without appropriate notice.

Your protections may differ if you move to a group health plan that offers more benefits then your old one did.

If you leave your job, you may be able to remain in your old group health plan for a limited time.

If you are leaving a fully insured group health plan, you can buy an individual health plan under a group conversion policy.

 

To help you find the best health insurance company check out the complaint ratio. Click here for the instruction sheet on " How to find an insurance company complaint ratio".


GENERAL NEWS ARTICLES about INSURANCE

National Health Care- A Poison Pill

Health Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Homeowners Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Life Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Auto Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  
Home Insurance | Life Insurance | Auto Insurance | Medicare Supplements | Annuities | Insurance Exchange
Home | About Us | Contact Us | Privacy Policy | Disclosure | Resources | Add URL | Site Map