Virginia Health Insurance
Virginia HEALTH INSURANCE PROGRAMS
Family Access to Medical Insurance Security (FAMIS) - This program is Virginia's Children's Health Insurance Program and provides health care coverage for children and pregnant women. FAMIS also offers dental care coverage for children through Smiles For Children.
Every Women's Life - This is Virginia's Breast and Cervical Cancer Early Detection Program, which provides free mammograms and cervical cancer screening for low-income women.
Common Health Conditions in Virginia
- Heart Attack
- Arthritis
- Biliary Cirrhosis
- Hemiplegia
- High Cholesterol
- Ischemic heart diseases
Virginia Health Insurance Regulations
Virginia health insurance laws are the ones that influence the health insurance policy specifically. For instance, in Virginia, health insurance companies can impose a pre-existing condition exclusion period of no more than 12 months. According to Virginia health insurance regulations, medical conditions are considered to be pre-existing if you obtained medical care for or were diagnosed with 12 months prior to the beginning of the plan. During the exclusion period, your health insurance company is not responsible for covering any medical costs related to the pre-existing condition. If you fulfill a pre-existing condition exclusion period under one Virginia health insurance policy and then decide to change health insurance plans, your old plan can credit your new plan's pre-existing condition exclusion period. Also, Virginia health insurance companies are permitted to exclude coverage for a pre-existing condition permanently by attaching an elimination rider to your policy. Finally, all Virginia health insurance policies must contain a guaranteed renewability provision. This provision guarantees that at the end of your policy's term, you can renew it if you choose to do so. Understanding the laws limiting Virginia health insurance companies is especially important in making sure your health insurance company continues to honor your original contract. Virginia health insurance companies and the cost of health insurance is not too strictly limited. For instance, the cost of your Virginia health insurance is not controlled. Your Virginia health insurance company generally charges you the same amount as others with a similar health status but they can choose to charge you more. Also, in deciding the price of your Virginia health insurance policy and whether or not to offer you a policy, Virginia health insurance companies can base their decision on your health status. However, once you purchase a health insurance policy, your Virginia health insurance company cannot refuse to renew your policy on the grounds of illness. Finally, any Virginia health insurance company, except for Blue Cross Blue Shield, is free to refuse you coverage. Temporary health insurance is recommended during times when you have breaks in your health insurance coverage. A list of Virginia health insurance companies that sell these policies is available from the Virginia Department of Insurance. Although temporary health insurance policies are offered, an better alternative to is a conversion policiy. These are available to individuals who have recently left a group health insurance policy. The premiums for these policies can be more than your former Virginia health insurance premiums, but they are limited enough by state laws that they will still be affordable. Two advantages of these plans are that they cannot be canceled because you become ill and they do not required to meet a new pre-existing condition exclusion period.
Virginia
P.O. Box 2448, Richmond, Virginia 23218-2448, 109 Governor Street, Richmond, Virginia 23219
Website: http://www.vdh.state.va.us/
Phone: (804) 367-2106
