Do You Need To:
Whether you go to school, are self-employed or between jobs, are ready to retire, have a family or don’t have a health plan through work, Optima Health has medical coverage that meets your unique needs.
We’re offering Virginians, who don’t have group benefits, three new plans — Optima Equity, Optima FourSight and Optima Plus. One is right for you.
Is there really a health plan designed just for us?
Is Optima Health true to my lifestyle?
What plans do you offer?
Is Optima Health easy to work with?
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When selecting a health plan or deciding to switch to one that better suits you, consider:
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Does the plan fit your lifestyle? Optima Health offers coverage for just about everyone.
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Does it fit your budget? Optima Health has a range of affordable premiums, deductibles and copays.
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Does it meet your health care needs? Optima Health offers medical, preventive, prescription and optional coverage.
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Just right for young adults.
Whether you are starting out on your own after high school, getting your undergraduate degree, your masters, your Ph.D. or are between semesters, we have plans that fit your lifestyle and budget. They’re ideal for young adults who are no longer part of their parents’ health plan.
Fitting for self-employed and entrepreneurs.
You don’t have to work for a company, corporation or organization to have outstanding medical benefits. We can provide coverage to freelancers, contractors, people who have their own businesses and those who are between jobs.
Ideal for early retirees.
One reason people are hesitant about retiring early is the discontinuation of group coverage. Now you can retire early with confidence. Let Optima Health bridge the gap from your employee benefits until you’re eligible for Medicare.
Perfect for families.
Our plans are budget-friendly and comprehensive to cover the needs of your family. If you are currently in a group plan with a carrier other than Optima Health, see how our rates compare on medical coverage for your family.1
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Choose from a variety of plans and optional benefits. Optima Health coverage options include prescription benefits, wellness programs, preventive services and useful tools to manage your health care costs. All designed with you in mind.
NEW Optima FourSight
This is what we call a “just-in-case” plan. It’s perfect for Virginians who need coverage for unexpected emergencies, accidents and illnesses. With monthly premiums starting as low as $38-502 per month, Optima FourSight is suitable for just about anyone.
NEW Optima Equity
This plan offers flexibility and control. It’s a high deductible plan coupled with a Health Savings Account (HSA) to protect you against high or unexpected medical bills. Plus, you may benefit from significant tax advantages and online accounting and payment tools. |
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NEW Optima Plus
While this plan has the highest monthly premium, it’s also the most comprehensive and allows the most freedom. Physician visits are unlimited, and services are extensive. Optima Plus is just right for individuals and families who seek more in-depth coverage.
Optional Benefits
Child health supervision and obesity treatment services are optional. These benefits can be added to your plan with purchased riders to expand your coverage.
Wellness and Prevention Programs
Prevention programs such as cancer screenings, women’s wellness visits and child wellness programs are just a few benefits of every individual and family health plan from Optima Health.
Member Tools
Optima Health provides a wide array of helpful tools to help you manage your health care costs. All of our members have access to tools such as a treatment cost advisor, a copay calculator, a prescription drug manager and a list of claims.
Compare plans for yourself or get an instant free quote
Apply for coverage
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Friendly, local customer service.
At Optima Health, we’re from Virginia, too. That means we’re your friends, families and neighbors. We have offices from Richmond to Norfolk to Harrisonburg, with headquarters in Virginia Beach. We know exactly what you need and how you want to be treated. If you have questions, we’ll patiently answer them all. If you need help selecting one of our new individual and family health plans, we can help with
that, too.
The hassle-free way to switch health plans.
If you already have an individual health plan, consider this: all health plans are not created equal. So there’s a good chance the one you have now may not meet all of your needs. Because switching to Optima Health is easy, we can help you get the coverage you desire. |
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Signing up for Optima Health takes minutes.
Applying for individual and family health plans from Optima Health is a cinch. For a guaranteed rate, simply apply online.3 Ask your broker. Or, you can always call us at 1-866-532-7713. Whatever is most convenient for you, works for us.
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Quick Links
Instant Free Quote
Apply Online
1 Current Optima group health plan members or anyone currently eligible for an Optima employer group plan is not eligible for Optima individual and family coverage.
2 These rates are illustrative only. No one should send money to Optima Health in response to the information presented on this web page.
3 All applicants must complete an application and be accepted before coverage begins.
Optima Health is the trade name of Optima Health Insurance Company.
Optima Health Individual PPO policy form numbers:
OHIC.IND.POLICY.08; OHIC.Ind.RX.08; OHIC.IND.FOUR.08; OHIC.mat.08; OHIC.INDHSA.PPO.08; OHIC.IND.CHILD.08; OHIC.IND.RX.07; OHIC.INDCHOICE.PPO.08. OHIC.MO.07. Optima Health enrollment applications: OHC.INDAPP.08; OHIC1881.08