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Every individual has different health insurance needs. That's why the family of Personal Health Plans has a variety of deductibles, coinsurance and copays for West Virginia residents.
You can select from four major medical health insurance plans that will give you dependable coverage tailored to fit your needs and budget.
If you would like assistance in selecting a standard, value or HSA-compatible health insurance coverage for individuals in West Virginia, please see How to Choose a Plan.
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Standard |
Health plans designed to meet your day-to-day medical needs; dependable coverage tailored to fit your needs and budget. |
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Value |
More economical alternative to the Standard plans; provide protection from catastrophic and unexpected healthcare emergencies, as well as coverage for medically necessary office visits. |
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HSA-compatible |
Quality Health Plans combined with the tax benefits and investment opportunities of an individual health savings account. |
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All Personal Health Plans from Consumers Life are Preferred Provider Organization (PPO) health plans. |
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Choose between plans with different deductible levels. |
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Pick any doctor or hospital in the network. |
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Visit the doctor who's right for you - without a referral. |
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Fast claims process - most insurance claims are paid on average in five days. | |
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Office visits. |
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Care for serious or chronic illness |
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Urgent care. |
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Outpatient/inpatient services. |
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Emergency care. |
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Prescription drug coverage. | |
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Below is a quick overview of the level of premiums and the types of healthcare insurance coverage that we offer for residents of West Virginia. For more information select the name in the column.
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Single Deductible Level |
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| Plan types |
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500 |
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1000 |
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1200 |
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1500 |
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2000 |
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2500 |
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3000 |
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4000 |
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5000 |
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| Standard |
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• |
• |
N/A |
• |
N/A |
• |
N/A |
N/A |
• |
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| Value |
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• |
• |
N/A |
• |
N/A |
• |
N/A |
N/A |
• |
| HSA |
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N/A |
N/A |
• |
N/A |
• |
• |
• |
• |
• |
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| Legend |
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lower premium |
moderate premium |
higher premium |
not available |
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Family Deductible Level |
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| Plan types |
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1500 |
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2400 |
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3000 |
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4000 |
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4500 |
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5000 |
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6000 |
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7500 |
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8000 |
10000 |
15000 |
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| Standard |
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• |
N/A |
• |
N/A |
• |
• |
N/A |
N/A |
N/A |
• |
N/A |
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| Value |
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• |
N/A |
• |
N/A |
• |
N/A |
N/A |
• |
N/A |
N/A |
• |
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| HSA |
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N/A |
• |
N/A |
• |
N/A |
• |
• |
N/A |
• |
• |
N/A |
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| Legend |
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lower premium |
moderate premium |
higher premium |
not available |
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Ready to apply?
| Call 800/338-5915 to enroll or learn more | | |
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