How to Get Affordable Health Insurance in Virginia

Anyone who has ever needed extensive medical treatment either in a doctor’s office setting or hospital knows the cost is expensive. Although most people who live in Virginia rarely have to see a doctor, having adequate health insurance is very important. Even though the level of coverage is the driving factor behind which health insurance company they ultimately go with, cost also factors in for most people. Getting affordable health insurance in Virginia can be done if you know what to look for.

Pregnant women without insurance in Virginia have a great resource at their disposal. Many pregnant women struggle trying to make ends meet and are working at low paying jobs that offer no health care benefits. For them they can access a program in Virginia called FAMIS Moms. The program’s focus is on expectant moms who don’t have health care and it enables them the opportunity to see a doctor early and throughout the duration of their pregnancy.

There are many other people in the state who also need affordable health insurance and they don’t qualify for any of the state assisted plans. There are ways for them to save money when shopping for health insurance and they include:

• Removing college age kids from the policy. Many colleges now offer health care insurance to students. If this is an option at your child’s school utilize it as the premiums are often lower.

• Pay a higher deductible. Although this will increase the cost of your out-of-pocket expenses it will drive down the premiums. It’s a good approach as it generally saves money.

Also try and retain health insurance before you become really ill. Obviously this isn’t always possible, but people who have pre-existing conditions always pay more in premiums than those who don’t therefore buying now, if you are healthy, is a great choice.

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