West Virginia
Health Insurance
Consumer Rights under WV State Law
West Virginias insurance laws are not very restictive
to insurance companies but the few that are in place will
help prepare you for purchasing a coverage.
Policy Cancellation
All West Virginia health insurance policies include a
guaranteed renewable provision. An insurance company cannot
deny renewal request if there are no contract violations.
Newborn and Dependent Coverage
An insurance policy issued in West Virginia must automatically
cover newborns and adopted children for 31 days if the
policy already covers dependents.
Non Guaranteed Coverage
West Virginia laws do not specify that an insurance company
has to issue insurance to an individual. An individual
can be denied coverage based on their health condition
or past conditions.
Unset Policies
Insurance companies in West Virginia do no have policies
that are set by the state. This means they can tailor
their policies how they want. Insurance companies can
choose to cover or not cover certain pre-existing medical
conditions. This is called Elimination riders, and can
be added to any policy.
They can also set higher premiums based on current and
past health conditions and age.
Temporary Health Insurance
Insurance companies in West Virginia are allowed to offer
temporary insurance coverage. This coverage is helpful
if an individual is between jobs. Temporary insurance
coverage is not guaranteed renewable and can be cancelled
by the insurance company.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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