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 USI Insurance Services and has become the largest fully insured policy holder of HMBCBS, a partnership that has existed for over 20 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.

Plan features offer availability to groups (with W-2 employees) with competitive rates; reduced employer risk exposure; multiple plan options; tiered rates; and outstanding customer service.

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 Pete Thackston of USI Insurance Services at pete.thackston@usi.com or 304-638-7281.

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 with a $15 co-pay (plans are listed by deductible):

$1000-90/70-$15
$2000-90/70-$15
$3000-90/70-$15
$3500-90/70-$15
Listed below are the 90/70 plans with co-pays of $25, $35 and $50 (plans are listed by deductible):

$2000-90/70-$25/$35/$50
$3000-90/70-$25/$35/$50
$3500-90/70-$25/$35/$50
$4000-90/70-$25/$35/$50
$5000-90/70-$25/$35/$50
Listed below are the 80/60 plans with a $15 co-pay (plans are listed by deductible):

$1000-80/60-$15
$2000-80/60-$15
$3000-80/60-$15
$3500-80/60-$15
$4000-80/60-$15
Listed below are the 80/60 plans with a $25/$35/$50 co-pay (plans are listed by deductible):

$2000-80/60-$25/$35/$50
$3000-80/60-$25/$35/$50
$3500-80/60-$25/$35/$50
$4000-80/60-$25/$35/$50
$4500-80/60-$25/$35/$50
$5000-80/60-$25/$35/$50
$6000-80/60-$25/$35/$50

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

$1500 HDHP-HSA
$2700 HDHP-HSA
$3000 HDHP-HSA
$3500 HDHP-HSA
$4000 HDHP-HSA
$5000 HDHP-HSA

West Virginia Region

100% Diagnostic and Preventive Services
80% Basic Services
50% Major Services
50% orthodontics for dependent children to age 19
Pregnancy Benefit
$50/$150  (per person/per family) Deductible for Basic and Major Services (excludes Call I and orthodontics)
$1,500 Annual Benefit per Person (excludes orthodontics)
$1,000 Lifetime Orthodontic
The College Tuition Benefit – College Savings Program

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Philadelphia Region

100%/80% (in-network/non-network) Diagnostic and Preventive Services
80%/60%  (in-network/non-network)Basic Services
60%/30% (in-network/non-network) Major Services
50%/30% (in-network/non-network) orthodontics for dependent children to age 19
Pregnancy Benefit
$50/$150  (per person/per family) Deductible for Basic and Major Services (excludes Class I and orthodontics)
$1,500 Annual Benefit per Person (excludes Class I and orthodontics)
$1,000 Lifetime Orthodontic
The College Tuition Benefit – College Savings Program
Smile for Health – Wellness

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Short Term Disability Policy
Short Term Disability Claim Form
Life/Accidental Death or Dismemberment Policy
How to File a Claim for Unum Benefits
Click here for complete information.
Click here for complete information.
Click here for complete information.