Being a member of West Virginia small business health
insurance helps you as both the employer and employee. There are 18 providers
of small business/group health insurance in West Virginia. Enter your zip code
above and select “Small Business Group” to find a quote in your area.
Any West Virginia business in various cities (Charleston,
Huntington, Wheeling, etc.) offers small group insurance coverage under two
circumstances: the company has between two and 50 employees and the individual
must not be seasonal or contracted. Also, half of the eligible members must be
willing to enroll in the state’s small group plan. If you join this plan, your
company can receive tax breaks while your employees receive medical coverage.
Managed care plans in West Virginia include Health Managed
Organizations, Preferred Provider Organizations, and a Point of Service Plan.
No matter what city your company belongs to, each plan operates in a specific
network depending on your location. Networks are made up of hospitals, primary
care physicians, specialists, and secondary care providers.
Health Managed Organizations (HMO) allows you to only seek
treatment within your network. If you do go outside your network you will not
be covered. Payment options for HMO include paying making a copayment at the
time of your medical service. Additionally, there is no coinsurance to pay.
A Preferred Provider Organization (PPO) has a similar cost
to an HMO but this plan you are responsible for a deductible. Unlike an HMO,
you can go outside of your network and still receive some benefits. The only
requirement is receiving a referral from your primary care physician.
Point of Service (POS) plans are the managed care plans
allowing the most flexibility. This plan allows you to choose a primary care
physician from any network of providers. Furthermore, if you want to seek
treatment outside your network you can still receive 100% coverage as long as
you have a referral. If you don’t get a referral you can still receive
treatment outside your network with benefits similar to a PPO. POS uses a
copayment and deductible which are both subject to being lowered. If you raide
your deductible, you can lower your premium rate. Living a healthy lifestyle
can also assist in lowering your rates.
West Virginia’s continuous coverage plan gives benefits to
those groups with 20 or more employees. Regulate by COBRA, the plan provides an
18 month extension to those who were previously under a group health plan. For
those groups with less than 20 individuals, you may also be provided with an
additional 18 months.
To learn more about group health plans in the state of West
Virginia call 877-567-5267