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Population: 1,818,470
(Source: U.S. Census Bureau)
Uninsured: 279,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for West Virginia health insurance policies. Click here to view our registration with the West Virginia Office of Insurance (We're listed as HBDC). |
West Virginia has the 36th highest number of uninsured in the U.S.
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Buying Individual Insurance Policies in West Virginia
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in West Virginia:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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Alcoholism
Breast Reconstruction
Cervical cancer/HPV Screening
Clinical Trials
Colorectal Cancer Screening
Contraceptives
Diabetic Supplies
Emergency Services
In Vitro Fertilization
Kidney Disease
Long Term Care
Mammogram
Mastectomy Stay
Maternity Stay
Mental Health General
Mental Health Parity
Newborn Hearing Screening
Other Infertility Services
Prostate Cancer Screening
Rehabilitation Services
Second Surgical Opinion
TMJ Disorders
Well-Child Care
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Alzheimer's
Ambulatory Surgery
Ambulance Services
Anti-Psychotic Drugs
Autism
Birthing Centers/Midwives
Blood Lead Poisoning
Blood Products
Bone Marrow Transplants
Bone Mass Measurements
Cancer Medications
Chemotherapy
Chlamydia
Cleft Palate
Congenital Bleeding Disorders
Dental Anesthesia
Diabetes Self Management
Drug Abuse Treatment
Early Intervention Services
Habilitative Services
Hair Prostheses
Hearing Aid
Home Health Care
Hospice Care
HPV Vaccine
Lyme Disease
Mastectomy
Maternity
Minimum Hysterectomy Stay
Minimum Testicular Cancer Stays
Morbid Obesity Treatment
Neurodevelopment Therapy
Newborn Sickle-Cell Testing
Off-Label Drug Use
Orthotics/Prosthetics
Ostomy Related Supplies
Ovarian Cancer Screening
PKU/Formula
Port-wine Stain Elimination
Prescription Drugs
Psychotic Drugs
Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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Adopted Children
Continuation/Dependents
Continuation/Employees
Conversion to Non-Group
Newborns
Domestic Partners
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Dependent Students
Grandchildren
Handicapped Dependents
Non-Custodial Children
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| Mandated (Included) Providers |
Non-Mandated Providers |
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Chiropractors
Nurse Midwives
Nurse Practitioners
Optometrists
Osteopaths
Podiatrists
Psychiatric Nurse
Public or Other Facilities
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Acupuncturists
Chiropodist
Dentists
Denturists
Dieticians
First Nurse Assistant
Lay Midwives
Licensed Health Professional
Marriage Therapists
Massage Therapists
Naturopaths
Nurse Anesthetists
Nurses
Occupational Therapists
Opticians
Oral Surgeons
Pain Management Specialist
Pastoral Counselor
Pharmacists
Physical Therapists
Physician Assistants
Professional Counselors
Psychologists
Social Workers
Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in West Virginia.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for West Virginia residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across West Virginia.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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