Nathaniel Said:

How long does the Virginia Life, Accident, and Health Insurance Exam take?

We Answered:

It has been awhile since taking, but I believe there are 200 multiple choice questions. I believe the passing score is 75%. Took and passed all on the same day, 1st time. The Va P & C is much harder.

Jim Said:

How can I find an independent health insurance agent/broker in Virginia?

We Answered:

www.NetQuote.com

I am an independent agent. They email me people needing my products and services as soon as they complete an online questionairre. Be ready to answer the phone or check your email within a half hour..

Arnold Said:

In Virginia can health care providers opt to participate in some (but not all) of a Insurance carrier's plans?

We Answered:

yes they can do it. It's up to the provider to decide which plans to participate. If the physician has decided not to participate, some insurance companies offer the members a chance to get their physican in network.

Donald Said:

What is the age limit for a child to be covered on health insurance in Virginia?

We Answered:

The key word is MAY. It does not say MUST. From the law that you cite:

"Coverage under a group accident and sickness insurance policy, except a policy issued pursuant to subsection B of § 38.2-3521.1, MAY (my emphasis) be extended to insure:

1. The spouse and any child who is (i) under the age of 19 years, (ii) who is a dependent and under the age of 25 years, or (iii) who is a dependent and a full-time student under 25 years of age, without regard to whether such child resides in the same household as the insured group member, or any class of spouse and dependent children, of each insured group member who so elects; and

2. Any other class of persons as may mutually be agreed upon by the insurer and the group policyholder."

This is all subject to change because of the health care legislation. Insurance companies will be required to provide dependent coverage for children up to age 26 for all individual and group policies. However, the rule does not take effect until six months following enactment. The key word is "dependent". Regulations are yet to be written that will clarify to what degree young adults have to be financially dependent on their parents.

They will have to offer coverage but the law does not say you must remain on your parents policy. Stay tuned you can't really do anything until you hear from your insurance company. ...

Katherine Said:

Can i write the life insurance exam and get the license without the health insurance FOR VIRGINIA?

We Answered:

Yes, in VA, you can take the exam for Life & Annuities, and not health.