Insurance Program

The Gas and Oil Association of WV, Inc. offers what is considered the premier association health insurance program in West Virginia.

The program is presented through a successful partnership with Highmark BlueCross BlueShield (HMBCBS) and Blue Ridge Risk Partners and has become the largest fully insured policy holder of HMBCBS, a partnership that has existed for over 30 years.

With the expertise of this partnership, our groups are assured of stability and multiple services, including the oversight and compliance of the ever changing Affordable Care Act Laws and Regulations. This allows our members to focus more on their business.

GO-WV membership is one of the qualifications for the insurance program. For more information about this program, contact Lori Miller Smith of GO-WV at lmillersmith@gowv.com or 304-344-9867 or Josh Zontek of Blue Ridge Risk Partners at josh.zontek@blueridgeriskpartners.com or 304-848-6475.

Plan features offer competitive rates; reduced employer risk exposure; multiple plan options; tiered rates; and outstanding customer service.

The insurance plan also provides a dental program through United Concordia, a subsidiary of Highmark BlueCross BlueShield Pennsylvania, a vision plan through VSP and life insurance and short-term disability through Unum Life Insurance Company of America.

Listed below are the 90/70 plans (plans are listed with deductible):

$2000-90/70-$15
$4000-90/70-$15

Listed below are the 90/70 plans with $25 co-pays (plans are listed by deductible):

$3000-90/70-$25
$5000-90/70-$25

Listed below are the 80/60 plans with a $25 physician office co-pay (plans are listed by deductible):

$4000-80/60-$25
$6000-80/60-$25
$7000-80/60-$25

Listed below are the HDHP plans with a Health Savings Account:

$1650 HDHP-HSA
$3300 HDHP-HSA
$4500 HDHP-HSA