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 4: Central 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 Central Virginia Regional Insert (PDF)
The Central 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:

Greater Richmond SBDC Greater Richmond Chamber of Commerce 201 E. Franklin Street Richmond, VA 23219-2118 www.grsbdc.com Phone: (804) 783-9314	Longwood University SBDC - Farmville 515 Main Street Farmville, VA 23909 www.longwood.edu/sbdc Phone: (434) 395-2086	Blackstone Chamber of Commerce 111 Tavern St. Blackstone, VA 23824 Phone: (434) 292-1677
Chase City Chamber of Commerce 319 North Main Street Chase City, VA 23924 Phone: (434) 372-0379	Colonial Heights Chamber of Commerce 201 Temple Avenue, Suite E Colonial Heights, VA 23834 Phone: (804) 526-5872	Goochland County Chamber of Commerce P.O. Box 123 2941 River Road West Goochland, VA 23063 www.goochlandchamber.org Phone: (804) 556-3811
Greater Richmond Chamber of Commerce 201 East Franklin Street Richmond, VA Phone: (804) 648-1234	Halifax County Chamber of Commerce PO Box 399 515 Broad Street South Boston, VA 24592 Phone: (434) 572-3085	Danville/Pittsylvania Chamber of Commerce 8653 US Highway 29 P.O. Box 99 Blairs, VA 24527 www.dpchamber.org Phone: (434) 836-6990

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