West Virginia Health Insurance
While West Virginia may rank among the top ten states for health spending per capita at $5954 per year, according to the Kaiser Foundation, these health expenditures have not produced a healthier state. In 2010, the United Health Foundation ranked West Virginia as the 7th least healthy state, and has been consistently rated as one of the least healthy states for the last two decades.
Even though statistics for health spending per capita in West Virginia and its actual level of health may appear to be contradictory, consider than West Virginia has the highest smoking rate in the entire United States. According to U.S. News, 25.6% of adults in West Virginia are smokers, tied for the most in the nation with Kentucky, and nearly three times as high as the lowest state, Utah, at a mere 9.8%. The state Department of Health and Human Services estimates that 1 in 5 deaths in West Virginia are smoking related. With a low median annual income of just over $40,000, high rate of preventable hospitalization, and over 30% of the population classified as obese, West Virginia, overall, is an unhealthy state.
There is good news for West Virginia residents, though. Although their state health funding decreased 6% in the past fiscal year, public health programs in West Virginia still rank in the top ten in the country, meaning that improvement in key health indicators may be coming in the near future. Receiving preventative care and having quality health insurance is essential to avoiding preventable healthcare problems and health risks. West Virginia has several health insurance programs that received high scores in the 2011 NCQA survey:
Top West Virginia NCQA-accredited health insurance plans (2011)
|Health Plan||Type||NCQA Score|
|UMPC Health Plan||PPO||84.3|
|UMPC Health Plan||HMO||83.7|
|Health Plan of the Upper Ohio Valley (H3672)||HMO||82.3|
|Health Plan of the Upper Ohio Valley (H5151)||HMO||81.1|
|Humana Insurance Company (Ohio)||PPO||80.0|
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Reputable WV Health Insurance Companies
West Virginia Offices of the Insurance Commissioner
1124 Smith St.
Charleston, WV 25301
West Virginia Department of Health & Human Resources
State Capitol Complex
Building 3, Room 206
Charleston, WV 25305
West Virginia Healthcare Authority
100 Dee Dr.
Charleston, WV 25311
Ten Biggest Health Insurance Companies in West Virginia (NAIC, 2011)
- Mountain State BCBS
- Coventry Health and Life Insurance
- Health Plan of the Upper Ohio Valley
- Carelink Health Plans
- Unicare Health Plan of WV
- Highmark Health Insurance
- First Health Life and Health Insurance
- Aetna Life Insurance