How to Get Health Coverage
There are many options out there for people to get health coverage. You may be able to get health insurance from your job, through the state’s expanded Medicaid program, the VA if you’re a veteran, Medicare, or through the new Health Insurance Marketplace, which offers options for people to get health insurance who can’t get it through another qualifying source. The Marketplace has a variety of private health insurance policies you can pick from. What you pay depends on your income. Most people will qualify for a new monthly tax credit (Advanced Premium Tax Credit) that will lower your monthly payments right away. In addition, some people will qualify for help paying their co-pays and deductibles as well. Last year, 86% of West Virginians qualified for immediate savings.
To enroll in coverage through the Health Insurance Marketplace visit healthcare.gov or call the Federal Call Center at 1-800-318-2596. WV NaviCare offers free enrollment help! If you have questions or need assistance call us at 1-844-WV-CARES or 1-844-982-2737.
In 2013, WV made the decision to expand Medicaid. The program is run jointly by the state and federal government and provides free or low-cost health coverage to thousands of West Virginians. Whether you are offered insurance through a job or not, you may qualify based on your income and family size. (Assets are not considered for Medicaid). To enroll in Medicaid you can fill out an application online at wvinroads.org or visit your county DHHR office. Or, WV NaviCare offers free enrollment help! If you have questions or need assistance call us at 1-844-WV-CARES or 1-844-982-2737.
Through Your Job
You should check with your employer to see if they offer health insurance that meets what is called Minimal Essential Coverage. Usually, if your employer offers coverage, it will meet the Minimum Standards. If an employer offers health coverage that meets Minimum Standards and is considered affordable, then generally you will not qualify for lower costs from the Health Insurance Marketplace. A job-based health plan is considered “affordable” if the employee’s share of monthly premiums for the lowest-cost self-only coverage that meets the minimum value standard is less than 9.56% of their family’s income. To find out if your employer’s plan meets the Minimum Standards, you can ask your employer to fill out the Employer Coverage Tool
If you are 65 or older or if you are disabled then you may qualify for or already have Medicare. If you are already enrolled in Medicare or if you have any questions about the program or its services then you can contact the WV SHIP Program for free information. You can visit them online at wvship.org or call them at 1-877-987-4463.