West Virginia group insurance offers savings on health care costs, taxes and creates employee job satisfaction for your business. Typically, 2 to 50 employees constitute the number calculated for small business group health insurance in West Virginia. Some common types of insurance include fee-for-service, HMO, PPO, POS and HSA.

Group medical insurance in West Virginia with a fee-for-service plan offers employees their choice for facility and physician. Usually, no applicable coverage exists for preventative medicine, office visits or check-ups. A health maintenance organization (HMO) requires fixed monthly fees for a physician’s network. A preferred provider organization (PPO) offers a health care network where going to a specialist outside the network doesn’t require referral. The point of service plans (POS) provides lower costs but limited choice. A health savings account (HSA) offers tax benefits and lower costs. When looking for a group plan consider your options:

1. Choose the West Virginia group medical insurance plan that fits your budget.

2. Get quotes to compare plan prices based on the number of employees.

3. Look at alternate options like a health savings account.

4. Find self-employed group insurance for single person entrepreneurs.

Action Steps
The best contacts and resources to help you get it done

Select a group plan from West Virginia group health insurance providers

Aetna, MedHealth and BCBS offer several WV group health insurance programs for businesses employing 2 to over 3,000 employees. Figure the higher the deductible the lower the cost.

I recommend: Choose an Aetna plan by number of employees such as 3,000 plus, 51 to 3,000, or 2 to 50 to get the right group plan. Obtain information and quotes by clicking on the program of choice “HMOs, PPOs or POSs” at MedHealthInsurance. Find Blue Cross and Blue Shield group health insurance in West Virginia by choosing "Find Your Local BCBS Company” or “Insurance Purchase Information” under the column “Blue Finder for Employers.”

Compare West Virginia group medical insurance with free quotes

Comparing West Virginia group health insurance companies by rates and plans gives a heads-up to competitive pricing.

I recommend: Enter your zip code at HealthInsuranceSort.com for comparisons from major and minor providers. Receive up to 5 quotes for discount plans, HMOs, POSs and PPOs at QuoteCatcher.

Open a WV group health insurance HSA for tax advantages

HSAs, or health savings accounts, offer tax advantages through creating a savings account for future medical expenses. Business owners receive tax benefits and lower WV group insurance rates. Money in an HSA account remains available as needed and operates like an IRA or 401(K) plan.

I recommend: Check the “HSA” box on the form and fill in the information to obtain a quote for a group savings account at UnitedHealthcare. Submit a short application to receive quotes for an HSA from Access Health Insurance Services, Inc.

Obtain self-employed West Virginia group insurance

Many top West Virginia group health insurance providers offer special plans for the self-employed. The costs for these plans remain higher than group or even some individual plans, so examine the tax benefits to see if this type of insurance fits your business.

I recommend: Get a group quote for your self-employed business by filling out the online form at LoveTheRates.com. Receive free quotes at Self-Employed-Health-Insurance-Rates.com for your self-employed business by entering your zip code and selecting “Self Employed Health Plans” from the drop down list.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Each site contains information for West Virginia group insurance plans with contact information. Approval, not submission, of the application determines eligibility.
• •  Consider adding dental and vision benefits to your group plan.