Anthem Blue Cross and Blue Shield health insurance rates in Virginia are extremely affordable. The combination of low prices and the new federal subsidy allows Va residents to purchase quality healthcare plans, either on or off the Exchange. Individual, family and small business coverage provide quality benefits at a very low cost.
Our website provides free online BCBS quotes and helps you compare and apply for the best offered policies. If you apply for coverage, there are no medical questions to answer and your pre-existing conditions are covered. You also can not be denied because of any past or present conditions.
We have listed below the most popular Anthem health insurance plans in Virginia. Of course, additional information can be provided at any time. In this example, we are assuming a married couple (both age 40) with two children. The household income is $47,000 and the estimated monthly rate (including $552 federal subsidy) is also shown.
HealthKeepers DirectAccess with HSA $79 $6,000 deductible with 15% coinsurance. It's actually a very simple policy to understand. Once the deductible has been met, you pay 15% of medical expenses. This policy is a popular student medical plan since it is fairly cheap and covers catastrophic claims.
HealthKeepers DirectAccess caam $102 $5,500 deductible with 25% coinsurance. $40 copay on primary care visits. Very similar to prior plan.
HealthKeepers DirectAccess cabw $114 $4,500 deductible with 35% coinsurance. $35 copay on primary care visits.
HealthKeepers DirectAccess cbau $277 $750 deductible with $1,500 per person/ $3,000 per family maximum out of pocket costs. $30 primary care visit copay, and $10 and $35 copays on generic and name-brand prescriptions.
HealthKeepers DirectAccess cbjs $304 $725 deductible with same out of pocket maximums as previous policy. Office visit copay, however, is $20 instead of $30.
HealthKeepers DirectAccess ccam $473 $750 deductible with $30 copay on office visits. $15 and $40 copays on prescriptions with $3,500 maximum out of pocket expense. You must meet deductible for specialist visits.
HealthKeepers DirectAccess Multi-State $553 Also a $750 deductible and $30 copay for office visits. However, it is an HMO, and not a PPO.
A special set of "catastrophic" plans are available for applicants under age 30. These plans are also offered if your household income is low enough and other requirements are met. The Healthkeepers DirectAccess Catastrophic plan is often the most affordable option. Optima also offers catastrophic coverage in many areas, but it is often more expensive.
During the Open Enrollment period, there are no health-related questions asked, and acceptance is just about guaranteed. If there are immigration or citizenship issues, or you are eligible for Medicaid or Medicare, you may not be able to buy a Marketplace plan. If your income allows you to receive a federal subsidy, the policy must be an Exchange-issued plan. The amount you receive is based on your projected earnings for the year that you are applying for a policy.
After Open Enrollment Ends
If you miss Open Enrollment in Virginia, many affordable options are available for both individuals and families. For example, temporary policies, which can be kept for up to 12 months, will provide very inexpensive coverage until the next period (typically in November). Applying for coverage takes about 15 minutes and many of the major carriers offer coverage. However, pre-existing conditions are not covered and short-term plans don't contain all of the required ACA benefits (such as maternity and preventive).
Also, "qualifying life events," allow you to enroll at any time. These exceptions provide a 60-day window (approximately) to compare and purchase plans. Some of the most common events are divorce, birth of a child, loss of benefits from work, termination of existing coverage, and dependent turning age 26.
Temporary coverage works best when you are between jobs, waiting for relocation to a new job, just graduated from high school, college or graduate school, or simply find yourself without benefits for various reasons. All of the plans previously listed have no minimum number of month requirements for keeping the policy. Therefore, it is possible and permissible to purchase a policy, and terminate at any time.
However, if a policy is canceled outside the Open Enrollment period, although you will have options, the number of choices will be limited. There are specific designated "short-term" contracts that allow you to apply and get approved within 12-36 hours. UnitedHealthcare is one of several carriers that provide cheap rates on policies you can keep from 1-12 months. Pre-existing conditions are not covered on this type of plan, and the benefits do not comply with ACA federal legislation.
Consumers that are eligible for Medicare can not purchase coverage from the Exchanges and receive a subsidy. Instead, three options are available:
Three Medicare Supplement policies can be purchased. During the annual Open Enrollment, acceptance is guaranteed and you can not be turned down. Pre-existing conditions are also covered. Options A, N and F are available, and each policy is different from the others.
Plan A is the cheapest Medigap policy and covers the hospital coinsurance or co-payment. But it does not cover the Part A deductible or Part B copayment. Plan N offers better benefits although it does not include Part B excess charges. Plan F is the most comprehensive option, and of course, is the most expensive.
Four Advantage contracts are offered, and each policy features no or an extremely low premium. Copays and deductibles are also waived. The cheapest policy is the MediBlue Smart Fit , an HMO plan with drug and Silver Sneakers coverage included. The other three choices are MediBlue Local, MediBlue COPD, and MediBlue Diabetes.
Part D Plans
Part D provides prescription drug benefits. There are three plans that Anthem offers in Virginia and the range of monthly rates is approximately $20-$140. Blue Medicare RX Standard (PDP) is the least expensive policy and has a $310 pharmacy deductible with initial coverage of $2,850. The Preferred Brand Copay is $40.
Blue MedicareRX Plus and Blue Medicare RX Premiere are two additional policies that offer richer benefits at a higher cost. If you do not take any current prescriptions, they may not be the best option.
Anthem Blue Cross Blue Shield offers many affordable plans to individuals, families and small business owners. We make it easy for you to view and compare the best available policies and enroll as quickly as possible.