dcsimg

Health Insurance Mandates in Virginia

KM | June 30, 2008

Health insurance mandates are state laws requiring the inclusion of specific coverage in health insurance policies. The laws vary from state to state and are sometimes referred to under different terminology but have the same effect. Virginia insurance mandates make health insurance more comprehensive but also raise the cost of health insurance. Some types of health insurance including short term medical insurance, supplemental insurance and international travel insurance are exempt from many state mandates and are therefore able to keep premium costs lower. Short term medical insurance and supplemental insurance policies are usually exempt from these requirements but even the low cost renewable major medical policies like Golden Rule Insurance and Celtic Insurance must comply with these mandates. See your own policy for specifics about your own coverage.


Virginia health insurance policies cover acupuncturists, chiropodists, chiropractors*, dentists+, marriage therapists, nurse midwives, opticians, optometrists*, osteopaths, pharmacists, physical therapists, podiatrists, professional counselors, psychiatric nurse, psychologists*, public facilities, social workers*, speech or hearing therapists, coverage for adopted children, continuation coverage for dependents, continuation coverage for employees, conversion to non-group coverage*,  coverage for dependent students regardless of age, extension of coverage for handicapped dependents*, coverage for newborns* and coverage for domestic partners.

Each of these individual mandated coverage items accounts for less than 1% of the total cost of insurance with the exception of coverage for dentists and those coverage items marked with an *. Coverage for dentists accounts for 3% to 5% of the total cost of insurance and those items marked with an * each make up 1% to 3% of the total cost of a health insurance policy that provides these benefits.

Virginia has 51 total health insurance mandates. The mean number of health insurance mandates for all of the states is 38. Generally, states that have a higher number of mandates have higher cost of health insurance in comparison to states with a lower number of health insurance mandates.

Most major medical health insurance policies contain a provision in the contract that specifies that they will cover state mandated benefits regardless of the specific wording in their policy. Major health insurance companies typically provide benefits in addition to those required by state law. Check with your own policy for details.

This information is obtained from the Council for Affordable Health Insurance report published in 2008. Information was based on 2006 laws. Since mandate change frequently, it is possible that the state's health insurance mandates have changed.

 


Find affordable healthcare coverage.

Start here.

Are you looking for Medicare quotes?

health insurance by State

AL AK AZ AR CA CO CT
FL GA HI ID IL IN IA
LA ME MD MA MI MN MO
NE NV NH NJ NM NC ND
OH OR PA RI SC SD TN
VT VA WA WV WI WY

Get your free quotes

Are you currently insured?

We work with trusted
companies like: