Virginia Health Insurance

 

Affordable Health Insurance by Insurance & Financial Services (804) 739-9121

Important.  The Virginia Health Insurance Marketplace Open Enrollment for 2017 ended January31, 2017. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP.  Open Enrollment for 2019 coverage starts November 1, 2018.

Insurance & Financial Services agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia Health Insurance and services you need.

The New Virginia Health Insurance Market Place:  Confusing???

DO NOT WORRY!  Insurance & Financial Services is a full service Independent Insurance Agency that represents many top-rated Virginia Health Insurance companies. We assess risks and shop companies to find the best Virginia health insurance coverage for the price. Our clients get the best value for the Virginia Health Insurance they need.

And if you would like to better understand some of the terms used in the Virginia Health Insurance information, go to this Health Insurance Glossary. Also, please feel free to contact us with any questions.

Seniors may get Medicare Supplement Quotes and Coverage information from Medicare Supplement Quotes.

If you plan to travel outside of the United States, you will likely need an International Health Plan. Most US Health Insurance Policies either limit or provide no coverage outside of the United States. Do not risk needing medical care while traveling outside the United States–get an IMG Medical Policy.

 


Here is a re-post of a Guide to the Health Insurance Marketplace published by the US Government.

 Get Covered: A one-page guide to the Health Insurance Marketplace

STILL NEED HEALTH COVERAGE FOR 2018?

Open Enrollment is over. But you can still get 2018 health insurance 2 ways:

If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance “exchange” or “Obamacare exchange”).

1. The Health Insurance Marketplace is for people who don’t have health coverage

If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.

2. What you pay for insurance depends on your income – and you’ll probably save

Your savings depend on your estimate of your expected income for 2018, not your income for 2017. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.

Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:

A health insurance plan with savings

Most people who apply qualify for a premium tax credit that lowers their monthly insurance bill. Some also save on out-of-pocket costs like deductibles and copayments.

The plans are offered by private insurance companies with a range of prices and features. All plans cover:

You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.

Medicaid and the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.

3. You can apply for coverage 4 ways:

4. If you don’t have health insurance, you may have to pay a fee.  Most people must have qualifying health coverage or pay a fee with their 2018 federal taxes.

  • If you don’t have coverage in 2018, you’ll pay a penalty of either 2.5% of your income, or $695 per adult ($347.50 per child) — whichever is higher. Learn about the fee.
  • In some cases, you might qualify for an exemption from the requirement to have health insurance.

Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at Insurance & Financial Services for any assistance.

Call, request a quote by email, or visit us at our office today for a free, no obligation Virginia Health Insurance quote. Let us do the research and find the best value for the Virginia health insurance coverage you need.

The Best Value and Customer Service 

Insurance & Financial Services agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and services you need.

Call or visit our office today for a free, no obligation risk assessment and quote.

 Let us do the research and find the best value for the Virginia insurance you need.

 

Beverly Sanford

About 

Beverly Sanford is a licensed life and health insurance agent. She has worked in the insurance industry for over 13 years and has been a member of the Insurance & Financial Services team for more than 15 years.

Beverly caters to those needing individual and/or family insurance, small employer plans, and the over 65 senior market. She is customer service focused and enjoys helping clients find plans that best suit their needs.

Beverly has been a resident of Chesterfield County for over 30 years. She and her family are active members of Clover Hill Assembly of God. In her free time, she enjoys Disney vacations with her daughter, Lauren, and her husband, Kevin.