Beginning January 1, 2021 Virginia Premier will no longer offer Individual & Family Plans. If you are a current Virginia Premier Individual & Family Plan member and received a renewal letter about a comparable plan option from Optima Health or are seeking health plan coverage for 2021, please visit Optima Health to learn about health plan options. You can also search coverage options at HealthCare.gov. Open Enrollment begins November 1, 2020 and ends December 15, 2020 for coverage that begins January 1, 2021.
Our focus is on you, and we make sure you have options when it comes to your health care coverage. We have plans that fit your budget and lifestyle, giving you access to the outstanding doctors at Bon Secours and VCU Health.
We Make Healthy Living Easy
Preventive care—things like routine check-ups, screenings and immunizations—helps you stay healthy. Get a complete list of preventive care services in our plan documents.
Finding a Provider is SimpleWe offer members a wide range of services with an excellent network of doctors, hospitals and other healthcare providers. And when you choose an in network provider, you’ll likely pay less for care.
Understanding Prescription Coverage
Do we cover your medications? Search for drugs you may need and see if your plan covers them.
Our Bronze 7000 plan has lower deductibles than our Bronze 7200 plan. You get some preventative care and drug services for a co-pay that applies before the deductible.
Our Bronze 7200 plan has higher deductibles than our Bronze 7000 plan. On average, this plan pays 50% of your medical expenses. Monthly premiums are lower than our Bronze 7000 plan.
Our Silver 6900 plan has a lower premium and higher deductive than our Silver 5000 plan. It also has higher member coinsurance.
Our Silver 5000 plan has higher premiums and lower deductibles than our Silver 6900 plan, with lower member coinsurance than the Silver 6900 plan.
Our Gold 1700 plan offers the most comprehensive set of benefits. It has the highest premium, but the lowest deductible and out-of-pocket costs when you receive care.
On average, this plan pays 85% of your medical expenses, while you pay 15%.
Ready to Enroll?
Special Enrollment Circumstances
Have you recently lost your health insurance coverage, gotten married, or are you adopting a child or having a baby? If so, you may qualify for a Special Enrollment Period (SEP) and you usually have up to 60 days following the life-changing event to enroll in a health care plan. Visit HealthCare.gov to learn more and enroll in a Virginia Premier plan online.
We're Here to Help
Want to Learn More?
Virginia Premier provides plan comparisons, summaries of benefits and coverage for you to review before choosing a health plan.
Making Insurance Easier for You
Insurance Terms Made Simple
Use our glossary of common health insurance terms to help you understand your insurance and benefits. To learn more about specific plan coverage, read our plan documents.
Co-payment – A fixed dollar amount you pay for a covered health care service, usually at the time you receive the services. Co-pays do not count toward your deductible.
Co-insurance – The percentage of costs of a covered health care service you pay after you’ve paid your deductible.
Deductible – The amount you pay for covered health services before your insurance begins to pay for your health care.
Formulary – A list of prescription drugs, both generic and brand name, covered by an insurance plan.
Out of Pocket Maximum – The most you have to pay for covered health care services, including deductibles, copayments and coinsurance, in a plan year.
Prescription Drug – A Medication that, by law, requires a prescription to be dispensed.
Primary Care Physician – The particular doctor you select to be your main doctor to monitor your overall health.