TermInsuranceBrokers.com is licensed as an independent broker with Anthem Blue Cross/Blue Shield of Virginia.  Our agent ID code is A00597-0385. 

Anthem has two plans that are guaranteed-issue with no health questions asked - Virginia Standard and Lumenos HSA Standard  Both plans require a 12-month waiting period for pre-existing conditions.  These plans are designed for those who are otherwise medically ineligible for coverage.  If you are in good health, you should consider one of Anthem's underwritten plans (Premier, SmartSense, CoreShare, and Lumenos HSA Plus). 

Click here to download the Virginia Standard brochure describing the benefits.

Virginia Standard includes the following benefits:

Deductibles – Choice of $750, $1500, $2500, or $5000. 

Co-insurance - 20% co-insurance after deductible (0% for $5k deductible).  Maximum out of pocket expense of $5,000.

Office Visits / Outpatient Services – 20% or 0% after deductible (depending on deductible chosen)

Lifetime Maximum - Unlimited

Preventative Care – No charge when using in-network physicians

Prescription Drugs – Brand name and generic both covered, unlimited benefit.  Separate $200 prescription deductible, then a co-pay of $10 or 40% co-insurance, whichever is greater.  As an example, a $100 prescription would have a $40 co-payment and a $200 prescription would have a $80 co-payment. 

Professional & Diagnostic Services – 20% or 0% co-insurance after deductible (depending on deductible chosen).  These include but are not limited to x-rays, lab work, anesthesia, surgeon, etc.

Inpatient Services – 20% or 0% co-insurance after deductible.  Overnight hospital or facility stays.  

Outpatient Services – 20% or 0% co-insurance after deductible.  Services without overnight stays.

Emergency Room Services – 20% or 0% co-insurance after deductible

Maternity – Not covered.  Maternity benefits are not available with Virginia Standard, but are available with Lumenos HSA Standard.

Rates for this plan are not available online - to get a quote for Virginia Standard, please call us at 703-753-3376 or toll-free at 1-877-656-1436 between the hours of 9 AM and 9 PM eastern time or e-mail us 24 hours a day.  You can also click the banner at the top or bottom of the page to apply online or get quote for other Anthem plans.