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General Guide to Virginia Health Insurance

Being a resident of Virginia and looking for information about health insurance? You might have flipped reams of pages and clicked a lot of online links while searching of Google or Yahoo! with various keywords. We offer a general guide related to health insurance in Virginia, which may equip you to buy a medical insurance policy that suits your needs to the best possible extent.

Most of the residents of Virginia avail insurance from their employers in the form of group health insurance. In this policy, a part of medical care expenses are paid by the employers. Usually, the premium that a consumer needs to pay will fall between 16-27% of the total value. It is surprising to know that the amount of premium for group health insurance does not depend upon your health or your family members’ health; rather, on the overall health of the group, which constitute the employees that are covered in that particular plan.

If you are self-employed you could qualify for a small group plan in Virginia; however, to be eligible for this plan, you must have 2 or more eligible employees. Each of these employees must work for at least 30 hours per week.

While residing in Virginia and looking for a health insurance plan, you should try to qualify for Medicaid program. It issues a Medicaid card which you can show your doctor at an appointment and if this doctor is in the network of Medicaid program, the State will pay the bill for the appointment minus any other health insurance you may have. Outpatient hospital care, laboratory services, nursing home care, home health care, transportation necessary to receive medical care (ambulance ride), and other services are included in this plan.

There are good options available for people to avail private health insurance from various companies in Virginia. Some of the insurance companies that offer wide variety of insurance plans to Virginians include Aetna, American National, Anthem Blue Cross and Blue Shield, Assurant, CareFirst Blue Cross, Blue Shield, Celtic, Golden Rule, Great American, Humana One, IAC, Kaiser Permanente, Patriot Health, Solera Dental, and UniCare. Unlike the case of group health insurance, private health insurance in Virginia would calculate its premium based on your health. While buying health insurance in Virginia from private companies, you need to take care of certain aspects of any policy, which include:

  1. What exactly the medical care coverage include?
  2. What is the premium cost and how much are the deductibles?
  3. If you need to see a specialist doctor, do you need referrals?
  4. If you have a pre-existing medical condition, does the health insurance policy cover it?
  5. If you need pregnancy or child care, does the policy provide it?
  6. Regular check-ups, pharmacy, and emergency care are included or not?

Once you have ensured that these points are taken care of, you have equipped yourself with some basic knowledge of understanding a health insurance plan in Virginia. With little more efforts on comparing some health insurance quotes, you can make your final decision.

About Author
Shaun Mike writes extensively on topics that focus on health insurance Virginia. From general to specific guides about various plans and offers, his articles are read with great admiration.

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