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| Resources and References |
"AccessWV" health insurance plan
- AccessWV is a health plan created by West Virginia statute to provide health insurance to West Virginians who have been unable to find or who have been denied health insurance in the private market because of a medical condition. It also provides coverage to people who are eligible under the Federal Portability Act or under the IRS Health Coverage Tax Credit Program. Click here to go to the web site with information, FAQs, application forms, and member information.
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Beware "Discount Health Plans" !
- A "discount health plan" claims to offer discounts, or access to discounts, from health care providers. They try to look like health insurance, but they aren't. Learn more about what they are, and how to protect yourself, with this information from the WV Insurance Commission and the Attorney General's Consumer Protection Division.
Other Topics:
Other Health
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Complaint Form for WV Insurance Commission
- Do you have a complaint about your insurance company? What they didn't cover? The amount they paid? The premiums they charged you? Use this Complaint Form from the West Virginia Insurance Commission to submit your complaint to the state agency to inquire.
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Health Insurance and "Pre-Existing Conditions"
- There is a federal law (HIPAA) which says when insurance companies can exclude "pre-existing conditions" from coverage by your health insurance, and when it cannot do so. Learn more with this information.
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Insurance agent overcharges - Information Letter
- Teh WV Insurance Commission issues "Information Letters" to clarify the law. This letter addresses some types of charges your insurance agent might try to charge you, but which are not permitted under WV law. Issued in 1971, it is still valid in 2007.
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Scam Alert - Know the Rules of Medicare Prescription Drug Coverage
- Some West Virginians are being taken advantage of by scam artists falsely saying they represent Medicare Prescription Drug Plans. Learn more about how to protect yourself with this information. Click below to get a brochure version of this information.
Also available:
 Brochure version
Other Topics:
Door To Door Solicitation/Home Solicitation Sales
Part D prescription drug benefit
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WV law under HIPAA: Pre-Existing Conditions, Discrimination, Availability
- In 1996 the federal "Health Insurance Portability and Accountability Act" (HIPAA) was passed. In 1997 West Virginia passed legislation meeting the requirements of the 1996 HIPAA statute. These laws affect health insurance coverage for many of its citizens. Learn more about limitations on Pre-Existing Conditions; Discrimination; and Availability of health insurance, with this information from the WV Insurance Commission.
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