To have low-cost Virginia health insurance, do I have to qualify for a group health insurance plan through my employer or be eligible for state-sponsored health insurance? Are there other options?

There are several ways to find low-cost Virginia health insurance plans. You should consider getting individual health insurance. Individual health plans can be very expensive, but you can do the following steps to find an insurance plan that won’t cost an arm and a leg and fits your medical needs.

Your first option to find a Virginia health insurance plan is to find insurance agents selling individual health insurance policies. These agents usually work with the major health insurance companies in your state and can give you several plan options. You should also make sure that the agents you consult and the companies you are considering are licensed to sell health insurance in your state.

When you’re giving out personal and medical information to the Virginia health insurance company of your choice, don’t lie and give false or inaccurate information. If you know that a particular insurance company might not insure you because of a pre-existing condition, don’t lie about having the condition. Cheating might get you insured, but your pre-existing medical condition won’t be covered in your health plan.

Don’t give up looking for a Virginia health insurance plan that fits your requirements. Several insurance companies might deny you medical coverage, but it’s important that you move on to the next potential company where you can possibly get a health plan. Insurance companies have different criteria and standards for offering health insurance. If you’re not eligible for a health plan in one company, then you might be qualified for health insurance in another company.

Answer by general public - June 26, 2009 @ 9:23 am

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