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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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Health Insurance News in West Virginia
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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