West Virginia Offices of the Insurance Commissioner 2009 Annual ...
West Virginia Offices of the Insurance Commissioner 2009 Annual ...
West Virginia Offices of the Insurance Commissioner 2009 Annual ...
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Highlights <strong>of</strong> <strong>2009</strong><br />
<strong>2009</strong> Enrollment<br />
Enrollment Growth. AccessWV continued to grow steadily throughout <strong>2009</strong>. The plan began January<br />
<strong>2009</strong> with 576 policyholders and ended <strong>the</strong> year with 734, an increase <strong>of</strong> 27 percent. Total<br />
membership, including dependents <strong>of</strong> policyholders, went from 661 to 846. See below for monthly<br />
breakdown.<br />
Monthly Enrollment during <strong>2009</strong><br />
Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec<br />
# Policies 576 579 581 605 616 643 645 699 713 703 731 734<br />
# Members 661 669 664 697 706 739 749 803 826 818 842 846<br />
Total Served During Year. While enrollment grew to 734 policyholders and 846 members at <strong>the</strong> end<br />
<strong>of</strong> <strong>2009</strong>, <strong>the</strong> end-<strong>of</strong>-year membership understates <strong>the</strong> impact <strong>of</strong> <strong>the</strong> program, which experiences a<br />
constant flux as some members leave and o<strong>the</strong>rs take <strong>the</strong>ir places. During <strong>2009</strong>, AccessWV enrolled<br />
410 new policyholders and provided insurance to a total <strong>of</strong> 871 different policyholders.<br />
Legislation. In <strong>2009</strong>, legislation was enacted that permitted a subsidy program, and also would allow<br />
o<strong>the</strong>r classes <strong>of</strong> individuals to enter <strong>the</strong> Plan without a waiting period for <strong>the</strong> pre-existing conditions.<br />
Lapsed Coverages. During <strong>2009</strong>, 137 policyholders ended <strong>the</strong>ir coverage in AccessWV. Cancellations<br />
were ei<strong>the</strong>r at <strong>the</strong> member's request or for nonpayment <strong>of</strong> premiums. Some members who request<br />
cancellation provide a reason for this, while o<strong>the</strong>rs do not. Reasons for ending coverage include<br />
eligibility for Medicare, Medicaid or employer-sponsored coverage.<br />
Plans. Access WV <strong>of</strong>fers four products -- Plan A, Plan B, Plan C, and Plan D. As <strong>of</strong> December, 43<br />
percent <strong>of</strong> <strong>the</strong> policyholders were enrolled in Plan C, <strong>the</strong> option with <strong>the</strong> second highest deductibles<br />
and <strong>the</strong> second lowest premiums.<br />
County. As <strong>of</strong> December <strong>2009</strong>, membership was held by residents <strong>of</strong> all <strong>West</strong> <strong>Virginia</strong>'s 55 counties.<br />
Kanawha County with 216 members led in enrollment. Berkeley and Cabell Counties each had 100 or<br />
more members. Wirt and Roane counties had <strong>the</strong> fewest AccessWV members.<br />
Gender. Females accounted for 58 percent <strong>of</strong> <strong>the</strong> total membership and males, 42 percent.<br />
Age. More than half <strong>of</strong> <strong>the</strong> policyholders (81 percent) were ages 50 and over.<br />
Tier. The majority <strong>of</strong> policies (94 percent) were for individuals with 6 percent <strong>of</strong> policies for families.<br />
Eligibility Category. Forty percent <strong>of</strong> <strong>the</strong> policyholders as <strong>of</strong> December joined as "federally defined<br />
eligible individuals" through HIPAA. Fifty-nine percent were not able to purchase coverage in <strong>the</strong><br />
regular market or affirmed <strong>the</strong>y had a qualifying health condition. Two policyholders were HCTC<br />
eligible.<br />
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