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 3: Southwestern 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 Southwestern Virginia Regional Insert (PDF)
The Southwestern 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:

Longwood University SBDC - Farmville 515 Main Street Farmville, VA 23909 www.longwood.edu/sbdc Phone: (434) 395-2086	Longwood University - Crater SBDC P.O. Box 1808 1964 Wakefield Street Petersburg, VA 23805 www.longwood.edu/sbdc Phone: (804) 518-2003	Longwood University SBDC - Danville 300 Ringgold Industrial Parkway Danville, VA 24540 www.longwood.edu/sbdc Phone: (434) 791-7321
Longwood University SBDC - Martinsville 115 Broad Street P.O. Box 709 Martinsville, VA 24114 www.longwood.edu/sbdc Phone: (276) 632-4462	Longwood University SBDC - South Boston 820 Bruce Street South Boston, VA 24592 www.longwood.edu/sbdc Phone: (434) 572-5484	Lord Fairfax SBDC - Fauquier Lord Fairfax Community College Lord Fairfax SBDC 6480 College Street Warrenton, VA 20187 www.lfsbdc.org Phone: (540) 351-1595
Mountain Empire SBDC Mountain Empire Community College 3441 Mountain Empire Road Big Stone Gap, VA 24219 www.me.cc.va.us/sbdc Phone: (276) 523-6529	New River Valley SBDC Radford University Business Assistance Center 7516 Lee Highway, Suite A2 Radford, VA 24141 btp.radford.edu/ba Phone: (540) 831-6056	New River Valley SBDC Radford University Business Assistance Center P.O. Box 6953 Radford, VA 24142 btp.radford.edu/ba Phone: (540) 831-6056
Region 2000 SBDC Business Development Centre 147 Mill Ridge Road Lynchburg, VA 24502 www.lbdc.com Phone: (434) 582-6170	Roanoke Regional SBDC Roanoke Regional Chamber of Commerce 212 S. Jefferson Street Roanoke, VA 24011 www.rrsbdc.org Phone: (540) 983-0717	Southwest Virginia SBDC Southwest Virginia Community College P.O. Box SVCC Rt 19 Richlands , VA 24641 www.sw.edu Phone: (276) 964-7345
Virginia Highlands SBDC Virginia Highlands Community College 851 French Moore, Jr. Blvd. Suite 178 Abingdon, VA 24210 www.vhcc.edu/sbdc Phone: (276) 492-2066	Wytheville SBDC Wytheville Community College Smyth County Education Center 300 Gordondale Road Atkins, VA 24311 www.wcc.vccs.edu/sbdc Phone: (276) 783-1777	Bedford Area Chamber of Commerce 305 E Main Street Bedford, VA 24523 www.bedfordareachamber.com Phone: (540) 586-9401
Botetourt County Chamber of Commerce 13 W. Main Street P.O. Box 81 Fincastle, VA 24090 Phone: (540) 473-8280	Montgomery County Chamber of Commerce 612 New River Road New River Valley Mall Christiansburg, VA 24073 Phone: (540) 382-4010	Greater Lynchburg chamber of Commerce 2015 Memorial Avenue Lynchburg, VA 24501 Phone: (434) 845-5966
Martinsville and Henry Chamber of Commerce P. O. Box 709 115 Broad Street Martinsville, VA 24114 Phone: (276) 632-6401	Pulaski County Chamber of Commerce 4440 Cleburne Blvd Dublin, VA 24084 Phone: (540) 674-1991	Roanoke Regional Chamber of Commerce 212 S. Jefferson St. Roanoke, VA 24011 Phone: (540) 983-0700
Scott County Chamber of Commerce 114 East Jackson Street P.O. Box 609 Gate City, VA 24251 Phone: (276) 386-6665	South Hill Chamber of Commerce 201 South Mecklenburg Ave. South Hill, VA 23970 Phone: (434) 447-4547	Wise County Chamber of Commerce 765 Park Ave. Norton, VA 24273-0226 Phone: (540) 679-0961
Wytheville-Wythe- Bland Chamber of Commerce 150 E. Monroe St., Wytheville, VA 24382 www.wytheville.org Phone: (540) 223-3365

Home | Contact Us