West Virginia’s Individual Insurance Policy Regulations
- Insurance companies in West Virginia are not required issue insurance polices to every applicant. Companies can turn down individuals for health reasons.
- HMOs are required to have open enrollment periods where applicants who have health problems may be able to receive coverage.
- Pre-existing conditions, or conditions which occurred within two years of receiving coverage, may be permanently excluded from coverage.
- Pregnancy can be considered a pre-existing condition when applying for an individual policy.
- Your individual policy cannot be canceled solely because you have become ill.
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West Virginia State Insurance Assistance
- AccessVW offers insurance coverage to those who have been denied coverage. There are several plans from which to choose with a choice of deductibles.
- West Virginia Children’s Health Insurance Program offers coverage for children up to the age of nineteen who come from families with qualified low incomes. If your dependents are grandchildren, your grandchildren may qualify for CHIP.
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