Healthcare in West Virginia brings a unique set of challenges for individuals, families, and employers alike. Rising costs in urban centers like Charleston and Huntington often make health insurance feel out of reach, while residents in rural towns face limited access to doctors, hospitals, and prescription drugs. BENEFITRA offers comprehensive West Virginia health plans that help close these gaps by combining strong medical, dental, vision, and life coverage with flexible pricing options.
Our plans are designed for a wide range of people: contractors managing unpredictable income, freelancers looking for reliable access to care, families seeking complete coverage, and employers aiming to provide affordable benefits to their teams. Whether you live in a fast growing city like Morgantown or a small community in the Appalachian coalfields, we make it easier to select a health plan that works for your budget and lifestyle. By improving access to providers and simplifying the enrollment process, BENEFITRA ensures that more West Virginians can find dependable healthcare without sacrificing financial stability.
At BENEFITRA, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package (medical, dental, vision, and life benefits) designed to give you peace of mind and real value.
BCBS PPO National Network
(In-network only). Medications: see SBC for more details. See Health Plan Outline for More Details.
Principal PPO Dental Network
| Service | Annual deductible network | Coinsurance network pays |
|---|---|---|
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
New BenefitImplant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
10K Death Benefit
Every West Virginia health plan includes core benefits that address both immediate and long term health priorities. Standard features include preventive medical care, dental checkups, vision screenings, and life insurance, all of which give families and employers the peace of mind that comes with comprehensive protection. Beyond basic services, our plans also help cover prescription drugs, routine visits, and wellness programs that keep patients healthier over time.
The value of these benefits goes far beyond insurance paperwork. They are about creating stability and reducing risk. Families with children can depend on pediatric care and immunizations, while older adults gain support with managing chronic conditions. Employers offering these benefits find that employees are more satisfied and productive, which makes a meaningful difference in retaining talent in West Virginia’s competitive job market. For individuals, access to essential coverage means avoiding large out of pocket costs during unexpected medical events.
Our plans are also designed to make it easier to qualify for assistance programs where available. For example, some individuals may combine employer sponsored coverage with Medicaid eligibility to reduce expenses. By aligning with networks of trusted providers, we give members more choices and greater confidence that their healthcare needs will be met. When you select a BENEFITRA plan, you are choosing more than insurance. You are choosing reliable protection that supports everyday life.
| Features | H&W 125 | Dental 125 | Vision 125 | Accident | Life 10K | Admin125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
| Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
| Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
| Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
| Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
| Waived Employees | · | · | · | · | $10.00 | · | $27.00 | $37 |
West Virginia’s workforce is diverse, including small business owners, self employed contractors, and growing families. BENEFITRA supports all of them with flexible health plans that balance affordability with dependable coverage. Employers often face the challenge of offering competitive benefits while managing expenses. Our West Virginia health plans make this possible by tailoring solutions to business size, industry, and budget. Employers in Charleston, Huntington, and surrounding areas use our services to retain employees and stay competitive in their fields.
For contractors and freelancers, health insurance is no longer optional. It is essential. With unpredictable income, the ability to manage costs through flexible monthly payments and access to care during open enrollment is critical. Families across West Virginia look to us for solutions that safeguard children, provide access to doctors, and ensure that household finances are protected against medical bills.
Our plans also reflect West Virginia’s unique mix of demographics. West Virginia expanded Medicaid early under the ACA, and its older, rural population makes stable group coverage a priority for employers. Patients in rural communities can find better provider access, while those in cities can take advantage of wide networks and specialized care. By designing solutions that meet different needs, BENEFITRA helps create stability for both businesses and households. From life insurance add ons to wellness benefits, we deliver coverage that grows with you.
Book your free consultationAt BENEFITRA, we believe that dependable healthcare should not be a privilege. It should be accessible to everyone in West Virginia. That is why our focus goes beyond offering insurance cards. We create systems that improve access, simplify processes, and reduce stress for members. Our team helps individuals and employers understand how to enroll, manage coverage, and qualify for the right plans during open enrollment periods.
Whether you are reviewing available plans, comparing networks, or checking eligibility for additional benefits, we provide clear guidance every step of the way. We work closely with families to ensure children receive necessary care, with employers to streamline administration, and with individuals to manage coverage in a way that fits their lifestyle. By making it easy to understand the details of each plan, we help members feel more confident and satisfied with their decisions.
West Virginia’s healthcare landscape is constantly changing, from updates to the Affordable Care Act to shifts in Medicaid eligibility requirements. Our role is to stay informed so you do not have to. By offering plans that meet current regulations while prioritizing affordability, we help reduce risk for both employers and individuals. With strong provider networks, reliable customer support, and an emphasis on long term stability, our West Virginia health plans are built to deliver value year after year.
Read how employers and families found the right coverage and hear their success stories.
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
Vin CannistraroBENEFITRA Member MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Scarlett BartlettOperations Manager, Matthew Cunningham Landscape Design Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Chelsea CurtisFounder, Managing Partner at Seaport Consulting Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Jacqueline BellanManager, People Operations, Brio Systems Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
Chrystin ComeauDirector, Clinic Operations at Cambridge Biotherapies I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Jameson ReevesOwner, Full Grip Games Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
Jack BazarbachianSako Auto Body, INC The Benefitra plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
Dr. Hoorbod D, DOMedical Sinai Healthcare PC, NY We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Patrick TherrienFounder & CEO, Nationals Scope Investigations Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
Dr. Elion Krok, MDIMMC Health, NJ We are loving the BENEFITRA plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Krystal SolimineSales Associate at RE/MAX Partners Absolutely loving the plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
Karen M. Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Alexandra EstradaOperations Manager at FOUR PAWS Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
Alexander Kady TschoppCo, Founders, Tailored Industry