Virginia Health Insurance Policies

→ Click here to view Virginia carriers

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you are:

• Guaranteed coverage by any individual health insurance provider in Virginia with no waiting periods or exclusions for preexisting conditions
• Blue Cross and Blue Shield plans must offer you continuous open enrollment.

HIPAA Eligibility

To be HIPAA eligible in Virginia, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

What does individual health insurance cost?

Under Virginia law, companies which sell health insurance in the state must provide every individual with a choice of all individual health insurance plans they offer. Click here to view a list of companies. The rates for HIPAA eligible individuals are capped at 125% to 200% of what an otherwise healthy individual would pay for comparable coverage.

MCHAPP Coverage Highlights

Who are some major health insurers?

Aetna

(800) 426-3211

Assurant Health

(800) 800-1212

Carefirst Blue Cross

(800) 321-3497

Kaiserpermanente

(800) 777-7902

Virginia Anthem BCBS

(800) 991-7259 opt. 3

Unicare

(800) 305-1795

How can I get more information?

For more information, visit the Virginia Bureau of Insurance online at www.scc.virginia.gov/division/boi, or call (800) 552-7945 [in state only] or (877) 310-6560 [nationwide].

Special insurance for children: Famis

A family of four making up to $41,000 a year or more may be eligible for Famis (which includes Dental).

• Do you qualify? Visit Eligibility
• To discover what's covered view Benefits Information
• Questions? Call (866) 873-2647