Virginia Health Insurance

Important. The Virginia Health Insurance Marketplace Open Enrollment for 2017 ended January31, 2017. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP. Open Enrollment for 2018 coverage starts November 1, 2017.

Belcher Insurance Agency agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you. You save time and money and get the best value for the Virginia Health Insurance and services you need.

The New Virginia Health Insurance Market Place: Confusing???

DO NOT WORRY! Belcher Insurance Agency is a full service Independent Insurance Agency that represents many top-rated Virginia Health Insurance companies. We assess risks and shop companies to find the best Virginia health insurance coverage for the price. Our clients get the best value for the Virginia Health Insurance they need.

And if you would like to better understand some of the terms used in the Virginia Health Insurance information, go to this Health Insurance Glossary. Also, please feel free to contact us with any questions.

Seniors may get Medicare Supplement Quotes and Coverage information from Medicare Supplement Quotes.

If you plan to travel outside of the United States, you will likely need an International Health Plan. Most US Health Insurance Policies either limit or provide no coverage outside of the United States. Do not risk needing medical care while traveling outside the United States–get an IMG Medical Policy.

Here is a re-post of a Guide to the Health Insurance Marketplace published by the US Government.

Get Covered: A one-page guide to the Health Insurance Marketplace

STILL NEED HEALTH COVERAGE FOR 2017?

Open Enrollment is over. But you can still get 2017 health insurance 2 ways:

If you qualify for a Special Enrollment Period due to a life event — like getting married, losing other coverage, or having a baby.

If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply for these programs any time.

FIND OUT IF YOU CAN GET 2017 COVERAGE

If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance “exchange” or “Obamacare exchange”).

1. The Health Insurance Marketplace is for people who don’t have health coverage

If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.

If you have job-based insurance: You can buy a plan through the Marketplace, but you’ll pay full price unless your employer’s insurance doesn’t meet certain standards. Most job-based plans do meet the standards.
If you have Medicare: You can’t switch to Marketplace insurance, supplement your coverage with a Marketplace plan, or buy a Marketplace dental plan. Learn about Medicare and the Marketplace.

2. What you pay for insurance depends on your income – and you’ll probably save

Your savings depend on your estimate of your expected income for 2017, not your income for 2016. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.

Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:

A health insurance plan with savings

Most people who apply qualify for a premium tax credit that lowers their monthly insurance bill. Some also save on out-of-pocket costs like deductibles and copayments.

The plans are offered by private insurance companies with a range of prices and features. All plans cover:

Essential health benefits
Pre-existing conditions, including pregnancy
Preventive care

You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.

Medicaid and the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.

Many states are expanding Medicaid to cover all households below certain incomes.See if your state is expanding and if your income is in range to qualify.
Your children may qualify for CHIP even if you don’t qualify for Medicaid.

3. You can apply for coverage 4 ways

You can apply for health insurance any way that works for you:

Online
By phone
With in-person help
With a paper application

4. If you don’t have health insurance, you may have to pay a fee

Most people must have qualifying health coverage or pay a fee with their 2017 federal taxes.

If you don’t have coverage in 2016, you’ll pay a penalty of either 2.5{2277115c5cd40028758dfeb1c7dda6d1d6caba7042b91b10ad76089e791a338c} of your income, or $695 per adult ($347.50 per child) — whichever is higher. Learn about the fee.
In some cases, you might qualify for an exemption from the requirement to have health insurance.

Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at Belcher Insurance Agency for any assistance.

At Belcher Insurance Agency “70 Years of Serving You 1st” means:

- FREE NEEDS ANALYSIS.We take the time to understand every client’s needs and work hard to provide the best possible insurance solution for the best value.
- EXTRA-ORDINARY SERVICE.We take pride in exceeding the expectations of our clients by providing superior communication, quality service, and delivering the ultimate, exceptional experience.
- WE GIVE OUR CLIENTS OUR CELL PHONE NUMBER! Access to your agent at your fingertip.
- EXCEPTIONAL RESPONSIVENESS. We respond as soon as possible to client inquiries–most of the time within minutes.
- TECHNOLOGY. We partner with companies that are innovative and remain on the cutting-edge of technology, so our clients may have the convenience of accessing their policy information at anytime, anywhere, any place.
- FINANCIAL WELLNESS. We educate and work collaboratively with clients to bring order to their financial life and to achieve their dreams and goals, as they navigate through the different fiscal stages, such as eliminating debt, asset protection, and retirement planning.
- WE CARE. We go beyond insurance and provide clients with an experience that they will appreciate and services that will help clients improve their cash flow and build personal wealth.
- PARTNERSHIP. Our referral partners will assist our clients with all their real estate needs, such as, buying, refinancing, and investing.

Belcher Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Haysi, VA, Clintwood, VA, Norton, VA, Pennington Gap, VA, and all of Southwest Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation Virginia Health Insurance quote. Let us do the research and find the best value for the Virginia health insurance coverage you need.

The Best Value and Customer Service

Call or visit our office today for a free, no obligation risk assessment and quote.

Let us do the research and find the best value for the Virginia insurance you need.

About Kerry Belcher

Kerry G. Belcher Sr was born in Richlands, Virginia in 1964. Graduated from Haysi High in 1982 and with the AS degree in Electronics Engineering in 1984. He began his insurance career that May and was licensed and manager of the Clintwood branch of Hugh Belcher Insurance by February of 1985. In 1989, he returned to Haysi to manage the office. In 2005, Kerry bought his Dad and Mom’s remaining stock and became the sole owner of the Haysi Agency, half owner of the Norton Agency and opened an agency in Pennington Gap with Don and Lowell Williams. Married in 2007, He and wife Rita have 8 children between them and a son and daughter-in-law. His hobbies include family activities, playing music, writing songs and studying the Bible.