Find Coverage

Finding Health Care Coverage

Free and low cost health care resources available in West Virginia.

  • CHIP.  If the family income is below a certain level, The West Virginia Children’s Health Insurance Program will provide free health insurance for children under 18 who have no other insurance.  Call CHIP at (877)982-2447 to see if your child qualifies or visit CHIP online.
  • MEDICAID.  The West Virginia Department of Health and Human Services provides medical benefits to low income West Virginians though the Medicaid program.  Find out more by visiting Medicaid online.  As with CHIP, you can apply for Medicaid online at InRoads.
  • BREAST AND CERVICAL CANCER SCREENING AND TREATMENT.  Uninsured women with breast and cervical cancer may be eligible to receive free treatment services through the West Virginia Medicaid program.
  • FREE CLINICS.  There are at least nine free health care clinics in West Virginia and more on the way.  The oldest is West Virginia Health Right in Charleston.  You can find a list of locations for these clinics online.
  • FAMILY PLANNING SERVICES.  Eligible low income women can receive free family planning services  including contraceptives at health departments or community health centers.
  • HOSPITAL DISCOUNTS.  Most hospitals in West Virginia offer free or discounted hospital care to patients who qualify.  If hospitalized, be sure to inquire about the hospital’s policies for treating patients without insurance coverage.  For example, Charleston Area Medical Center offers a 20 percent discount to people with no health insurance and free care to those who make less than 200 percent of the federal poverty level, don’t have more than $50,000 in net assets and meet other requirements.
  • LOW COST CLINICS.  The West Virginia Primary Care Association lists the primary health care clinics across West Virginia where uninsured people can get medical services and medication assistance for fees that are adjusted to the patient’s income.
  • FREE DENTAL HYGIENE CARE. The West Virginia University Institute of Technology Dental Hygiene Program in Montgomery offers free cleanings and other dental services at certain times during the spring and fall semesters. There are no eligibility or income requirements, and no fee is charged.  Call (304) 442-3345 for more information.
  • PHYSICAL, OCCUPATIONAL, AND SPEECH THERAPY.  Children’s Therapy Clinic is a private, nonprofit organization that provides physical therapy, occupational therapy and speech therapy services to children with special needs. All services are provided free of charge to all clients.  To qualify for services at the clinic, a child must either have a family income below the federal poverty level or have no health insurance to cover his/her condition.
  • FREE MEDICAL AIR TRANSPORT. The National Patient Travel Helpline provides information about all forms of charitable, long-distance medical air trans-portation and provides referral to all appropriate sources of help available in the national charitable medical air transportation network.
  • SCHOOL BASED HEALTH CENTERS. School-Based Health Centers are small primary care clinics that bring preventive and primary care, counseling, health education, and sometimes dental services to children and adolescents at their schools. There are 46 School-Based Health Centers and one School-Linked program in 18 West Virginia counties.
  • RESOURCE DIRECTORY.  Prevent Child Abuse West Virginia has a comprehensive resource directory with descriptions, contacts, and Web site links for programs serving children and families across West Virginia.  Some of them related to medical and dental services.
  • CATASTROPHIC ILLNESS COMMISSION.    The Catastrophic Illness Commission acts as a last resort for those in dire need of medical assistance where no other resources are available. Covered expenses include medical procedures, transportation, and medication that prevents rejection and/or reoccurrence of life threatening illness.
  • EASTER SEALS WEST VIRGINIA.  Easter Seals West Virginia funds programs that provide physical, occupational and speech therapy, early intervention, social work services, medical services and advocacy to individuals with developmental delays and disabilities. Services are offered through two primary programs. The West Virginia Birth to Three Program serves families from WV who are showing signs or are at risk for developmental delays. The Outpatient Medical Rehabilitation Program focuses on WV residents three years and older and out-of-state residents who are between the ages of birth and adulthood. Those who come to Easter Seals may need assistance with daily activities such as walking, talking, feeding, learning and eating.  Fees are based on a sliding scale.
  • CHILDREN w/SPECIAL HEALTHCARE NEEDS - OFFICE OF MATERNAL AND CHILD HEALTH.  The Office of Maternal and Child Health in the West Virginia Public Health Bureau provides specialized health services for children with certain congenital or acquired medical conditions, such as cerebral palsy, epilepsy, cardiac defects, cystic fibrosis, ENT problems, and certain neurological, oral and urological conditions. Services are free although cost-sharing may be required for those who exceed income guidelines.
  • NATIONAL EYE CARE PROJECT.  The National Eye Care Project Matches patients with volunteer ophthalmologists in their area. Sponsored by the Foundation of the American Academy of Ophthalmology and the Knights Templar Eye Foundation, Inc. Designed for, but not limited to, financially disadvantaged seniors. All US citizens or legal residents, age 65 and over, who have not seen an ophthalmologist in the last 3 years or longer are eligible for NECP. Doctor will provide a comprehensive eye exam and a full year treatment for any condition diagnosed in the initial visit at NO COST. Will accept Medicare or other insurance reimbursement as payment in full. Those without insurance receive treatment at no charge.  Call (800) 222-3937.
  • ONLINE BENEFITS FINDER FOR THOSE OVER 55.  The National Council on the Aging provides an online Benefits CheckUp to help find programs for people ages 55 and over that may pay for some of their costs of prescription drugs, health care, utilities, and other essential items or services. Visitors may fill out a simple questionnaire to find programs that can assist them or their loved ones.
  • WEST VIRGINIA HEALTH INSURANCE PLAN.  The WV Public Employees Insurance Agency is launching a new comprehensive health care plan for uninsured small businesses.  This plan will be available to uninsured businesses having between 2-50 employees and will allow insurance carriers to use PEIA reimbursement rates and the drug rates in effect for the multi-state drug purchasing plan.
  • HIGH RISK POOL.  Coming in July, 2005:  West Virginians who cannot obtain health care coverage because of a medical condition, will be able to buy coverage through the state’s high risk pool.  For information call, the West Virginia Insurance Commission at 304-558-3354.