A Guide to Health Insurance Options

Table of Contents

Part 1: Insurance Basics

• How Insurance Works

• Alternatives

• Beyond Perfect Health

• Help for the Uninsured

• Consumer Protection

Part 2: Getting Covered

• Gather Your Information

• Create a Schedule

• Establish a Budget

• Finding Insurance

• Implementing the Plan

Part 3: What's Available in My Region

• Region 1: Northwestern

• Region 2: Northern

• Region 3: Southwestern

• Region 4: Central

• Region 5: Eastern

Part 4: Helpful Hints & Info

• Hospital Costs

• Insurer Rating Companies

• Insurer Contact Info

• Glossary

Important Facts

Employees consider health insurance to be, by far, the most important fringe benefit.

• More Facts...

• Complete Guide (PDF)

Part 3: What's Available in My Region

Region 1: Northwestern Virginia

Health Plan Comparisons Chart (PDF)
The Health Plan Comparisons chart underscores that plan type and employee cost sharing choices have important implications for premium cost and provider choice. In general, plans with more cost sharing have lower premiums, and plans with more provider choice have higher premiums.

Employee Cost Sharing Chart (PDF)
The Employee Cost Sharing chart provides details on enrollees' potential financial responsibilities (in addition to premiums) for medical services, supplies and prescription drugs. These costs are considered "potential" because if no health care is consumed then no cost sharing is incurred.

Comparisons of Other Health Benefit Options Chart (PDF)
The Comparisons of Other Health Benefit Options chart provides information about health savings accounts (HSAs), health reimbursement arrangements (HRAs) and flexible spending accounts (FSAs).

Complete Northwestern Virginia Regional Insert (PDF)
The Northwestern Regional Insert provides information about insurance products available in this region of Virginia.

This website is provided as a resource to small business owners in the Commonwealth of Virginia as part of Virginia's State Planning Grant. To learn more about the Virginia State Planning Grant, please visit http://www.InsureMoreVirginians.org. Information is also available in a print version which may be obtained at the following locations:

Northwestern Virginia SBDC 210 Ridge/McIntire Road Suite 500 Charlottesville, VA 22902 www.avenue.org/sbdc Phone: (434) 295-8198	Lord Fairfax SBDC - Middletown Lord Fairfax Community College 7718 Valley Avenue Middletown, VA 22645 www.lfsbdc.org Phone: (540) 868-7093	Rappahannock Region SBDC - Fredericksburg University of Mary Washington James Monroe Center 121 University Blvd. Fredericksburg, VA 22406 Phone: (540) 286-8060
Shenandoah Valley SBDC Blue Ridge Community College 50 Lodge Lane Verona, VA 24482 www.jmu.edu/sbdcenter Phone: (540) 248-0600	Shenandoah Valley SBDC James Madison University 1598 South Main Street MSC 5502 Harrisonburg, VA 22807 www.jmu.edu/sbdcenter Phone: (540) 568-3227	Bath County Chamber of Commerce P.O. Box 718 Main Street Hot Springs, VA 24445 Phone: (800) 628-8092
Berryville-Clarke County Chamber of Commerce 101 E. Main St. Berryville, VA 22611-1301 Phone: (540) 955-4200	Fredericksburg Regional Chamber of Commerce Stafford County P.O. Box 7476 2300 Fall Hill Avenue Suite 240 Fredericksburg, VA 22401 Phone: (540)373-9400	Front Royal/Warren County Chamber of Commerce 305 East Main Street Front Royal, VA 22630 Phone: (540) 635-3185
Greater Augusta Regional Chamber of Commerce 30 Ladd Road PO Box 1107 Fishersville, VA 22939 Phone: (540) 324-1133 Phone: (540) 949-8203	Greene County Chamber of Commerce Attention: Jay Crawford 113 Main St. Stanardsville, VA 22973 Phone: (434) 985-2315	The Highland County Chamber of Commerce P. O. Box 223 Monterey, VA 24465 Phone: (540) 468-2550
Lexington-Rockbridge County Chamber of Commerce 100 East Washington Lexington, VA 24450 Phone: (540) 463-5375	Luray-Page County Chamber of Commerce 46 East Main Street Luray, VA 22835 Phone (540) 743-3915	Waynesboro Augusta County Chamber of Commerce 301 West Main Street Waynesboro, VA 22980 Phone: (540) 949-8203
Winchester-Frederick County Chamber of Commerce 1360 S. Pleasant Valley Road Winchester, VA 22601-3311 www.winchesterva.org Phone: (540) 662-4118	Woodstock Chamber of Commerce Shenandoah County 143 N. Main St. P.O. Box 605 Woodstock, VA 22664 www.woodstockva.com Phone: (540) 459-2542

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