Virginia’s Individual Insurance Policy Requirements
- Insurance companies can decide to decline to give you an individual policy due to the status of your health, except for Anthem Blue Cross Blue Shield and CareFirst Blue Cross Blue Shield. Both of these companies cannot turn down applicants.
- Insurance policies are required to cover certain services, including mammograms.
- Insurance policies can exclude pre-existing conditions, or conditions that occurred in twelve months before the policy is issued, for twelve months or may include an elimination rider that permanently excludes the medical condition from coverage.
- Individual policies can be canceled for fraud or for non-payment of premiums, but cannot be canceled because of illness.
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Virginia State Insurance Assistance
- Anthem Blue Cross Blue Shield and CareFirst Blue Cross Blue shield are required to issue individual healthcare policies to any applicant regardless of the status of their health.
- Family Access to Medical Insurance Security (FAMIS) Children’s Health Insurance Program offers affordable healthcare to children from families that have qualifying incomes. Services covered include doctors visits, hospital visits, and dental care.
- FAMIS Moms covers pregnant women from families that have qualifying incomes.
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