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 5: Eastern 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 Eastern Virginia Region Insert (PDF)
The Eastern 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:

Rappahannock Region SBDC - Warsaw University of Mary Washington P.O. Box 490 479 Main Street Warsaw, VA 22572 Phone: (804) 333-0286	SBDC of Hampton Roads, Inc. Thomas Nelson Community College and Hampton Roads Chamber of Commerce 600 Butler Farm Road Suite A, Room 1105 Hampton, VA 23666 www.hrsbdc.org Phone: (757) 865-3127	SBDC of Hampton Roads, Inc. Hampton Roads Chamber of Commerce P.O. Box 133 Melfa, VA 23410 www.hrsbdc.org Phone: (757) 789-3418
SBDC Of Hampton Roads, Inc. Hampton Roads Chamber of Commerce 400 Volvo Parkway Chesapeake, VA 23320 www.hrsbdc.org Phone: (757) 664-2592	Williamsburg SBDC - Hampton Roads SBDC Thomas Nelson Community College and Hampton Roads Chamber of Commerce Historic Triangle Office 161-C John Jefferson Road Williamsburg, VA 23185 www.hrsbdc.org Phone: (757) 253-4322	Northampton County Chamber of Commerce 109 Mason Avenue, Suite A Cape Charles, VA 23310 Phone: (757) 331.2304
Chincoteague Chamber of Commerce 6733 Maddox Blvd. Chincoteague, VA 23336 Phone: (757) 336-6161	Eastern Shore Chamber of Commerce 190656 Parkway P.O. Box 460 Melfa, VA 23410 Phone: (757) 787-2460	Hampton Roads Chamber of Commerce 420 Bank St. Norfolk, VA 23510 www.hamptonroadschamber.com Phone: (757) 622-2312
Isle of Wight, Smithfield,Windsor Chamber of Commerce 100 Main Street Smithfield, VA Phone: (757) 357-3502	Lancaster County Chamber of Commerce 453A N. Main St. Chesapeake Commons Shopping Center Kilmarnock, VA 22482 Phone: (804) 435-6092	Tappahannock-Essex Chamber of Commerce 205 South Crossing Street Tappahannock, VA Phone: (804) 443-5241
Virginia Peninsula Chamber of Commerce 1919 Commerce Drive, Suite 320 Hampton, VA 23666 Phone: (757) 262-2000	Williamsburg Area Chamber of Commerce 201 Penniman Road P. O. Box 3620 Williamsburg, VA 23187-3620 www.williamsburgcc.com Phone: (757) 229-6511

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