Affordable West Virginia Health Insurance Quotes
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East Coast Health Insurance will get you coverage in West Virginia! We offer three main health insurance companies including Blue Cross Blue Shield, Aetna, and United Health One. Please click our health insurance quote button above for a free West Virginia Health Insurance Quote !
West Virginia is by no means either small in size nor population as it ranks as the 37th most populous state in the country and the 41st largest state in square miles. But West Virginia only has three respected health insurance companies and no state risk pool for the uninsurable. Some HMO’s in West Virginia may have an annual open enrollment where individuals can purchase coverage without proving insurability but this is not a definitive either. In other words West Virginia is not a state to take a risk of going without health insurance.
Blue Cross Blue Shield
Blue Cross Blue Shield of West Virginia Health Insurance Brochure
Founded in 1932 Mountain State West Virginia is currently insuring nearly 500,000 of West Virginia’s 1.8 million residents. That is 28% of the market share and after considering that an enormous number of West Virginia residents don’t have health coverage that 28% jumps to almost 50% of the current insured.
How are they on price and benefits? Well in terms of price they are alright. For a 34 year old male in Charleston, West Virginia they want nearly $180 per month for a $2500 deductible. Of course it is important to remember that the Mountain State Blue Cross Blue Shield has the best network in West Virginia as they have been working on it for so long and you are more likely to find a doctor in the most rural parts of the state accepting only Blue Cross.
Benefits? The same as Aetna and United Health One, though their prescription plan is not as good. This is because they only cover 50% of the prescription costs whereas the other companies have flat copayments. This will hurt if you are taking expensive drugs or experimental medications, but this is also why you have health insurance, so I would certainly consider these ramifications if you are shopping West Virginia health insurance plans.
As West Virginia’s largest private health insurance company, Mountain State Blue Cross Blue Shield (Mountain State) is the only health insurance company operating under the famous Blue Cross and Blue Shield logos in West Virginia. As a leader in the healthcare industry, Mountain State has been instrumental in helping craft public policy designed to maintain the current public healthcare system while improving the health status of West Virginians.
United Health One
United Health One West Virginia Health Insurance Brochure
United Health One is the West Virginia Health Insurance winner for the most health insurance coverage for the least money. For a 34 year old male in Charleston, West Virginia they are charging $132 per month. This is the same exact plan as the Blue Cross Blue Shield plan above and nearly $50 per month less and has better benefits in the form of the best prescription plan in the state.
I know a lot about this plan as I have it myself and have been quite pleased with it over the last couple of years. Having tried most of the other plans I can say that even though the United Health Care plans are not domiciled in their home state they don’t have massive premium increases and are usually near the top of the heap in affordability.
Get a United Health One Health Insurance Quote in West Virginia Now!
Aetna
Aetna All Plans Brochure West Virginia
Aetna is the most expensive plan in Charleston, West Virginia and at $220 per month it is not worth it to pay the extra premium to go with Aetna. Remember however, that the premiums might be quite different for your demographic so please run your own quote to run a similar comparison.
The reason Aetna is so expensive in West Virginia though is because they offer health insurance coverage to those that have medical situations when no other company will. It is important to remember this, as if you are without health insurance right now Aetna might be able to help you especially if you have a moderate medical condition.
