WV Navigator

West Virginia's Health Insurance Helpline

(844) WV•CARES

West Virginia's Health Insurance Helpline

Benefits of Coverage

What’s a Health Insurance Marketplace? Why do I need health insurance?

The new health care law sets up a Health Insurance Marketplace in each state, which is your one-stop shopping destination for health insurance. It works in the same way you would shop for any other important item in your life: You look at all the available options in your area, compare each plan’s features and prices side-by-side, then choose the one that fits your needs and your budget.

6 Key Facts About the New Health Insurance Options:

  • Financial help is available.
  • Preventive care is free.
  • Application help is available — and free.
  • You can’t be turned down for coverage for a having a pre-existing condition.
  • The costs and benefits of each plan must be explained in easy-to-understand language — with no fine print.
  • All health insurance plans have to cover important benefits, like doctor visits, hospitalizations, prescriptions, and more.

What Your New Insurance Gets You:

  • Doctor visits
  • Prescription coverage
  • Mental health services
  • Emergency services and hospitalizations
  • Maternity care
  • Infant care and children’s care
  • Free preventive care
    • Examples of Preventive Care:
      • Vaccinations
      • Cholesterol screening
      • Blood pressure screening
      • Colorectal cancer screening
      • Mammograms
      • Pap smears


Information obtained from getcovered.org