OptimaFit®Health Plans

Health insurance coverage for individuals and families just got more rewarding with OptimaFit health plans from Optima Health.

OptimaFit plans combine great health insurance coverage and a wide variety of deductible and copayment options.

Healthcare.gov allows you to shop and compare plans to determine if you are eligible for tax credits (financial assistance) to help pay for your health insurance plan. Optima Health offers a variety of health insurance plans on the Health Insurance Marketplace.


Plan Features

  • 24–hour access to virtual health care with board-certified physicians with MDLIVE
  • access to award-winning free health and wellness programs with MyLife MyPlan
  • discounts on health and wellness services1
  • Emergency Travel Assistance1
  • a wide range of deductibles and copayments offered
  • Health Savings Accounts (HSAs)
  • Gold, Silver, and Bronze plans offered on the Health Insurance Marketplace
  • free preventive care services when received from an in-network doctor or facility2

Provider Networks

Our plans feature our Direct and Select provider networks — the options available to you depend on where you live. Check to see if you live in our coverage area.

Our Direct and Select plans are available both ON and OFF the Health Insurance Marketplace.

Find Your Doctors

You can find participating providers using the provider search tool.


Learn More About Direct and Select Plans

You can learn more about the details of our Direct and Select plans below.

OptimaFit® Direct OptimaFit® Select
Overview Direct network plans include the full network of over 35,0003 doctors and facilities, in a two-tier structure to maximize cost savings. Select network plans utilize local doctors and facilities within key clinically integrated networks, to provide high-quality and efficient care.
Available In...

Charlottesville, Halifax, Hampton Roads, Harrisonburg, Mecklenburg, Richmond, and Rockingham areas

Some surrounding areas may be included.

See a detailed listing of counties in the OptimaFit Direct service area

Search your zip code

Charlottesville and Rockingham areas

Some surrounding areas may be included.

See a detailed listing of counties in the OptimaFit® Select service area

Search your zip code
In-Network Coverage
  • Tier 1: All participating doctors and facilities except those in Tier 2
  • Tier 2: Mary Washington Healthcare

Note: Effective April 15, 2021, University of Virginia (UVA) Health System is now in Tier 1.

  • Sentara Quality Care Network (SQCN) and Sentara Healthcare statewide
  • Virginia Commonwealth University
  • Riverside Health System
  • all participating oral surgeons
  • Children’s Hospital of the King’s Daughters
  • Tidewater Physicians Multispecialty Group
  • Eastern Virginia Medical School
  • other physician groups in Virginia

Note: Effective April 15, 2021, University of Virginia (UVA) Health System is now in the Select network.

Out–of–Network Coverage emergency care only emergency care only
Frequently Asked Questions OptimaFit Direct Frequently Asked Questions OptimaFit Select Frequently Asked Questions 

Other Coverage Options

Even if you are not eligible for one of our OptimaFit Health Plans, you might be eligible for one of our other coverage options including Medicaid, or health insurance plans for self-employed sole-proprietors.

Learn about our other health insurance coverage options

Still Have Questions?

If you still have questions, contact one of our Personal Plan Advisors at individualsales@optimahealth.com or call 1-844-206-3208 from 8:00 a.m. to 8:00 p.m., seven days a week.

Value-Added services; not a covered benefit
2 Office Visit copayment or coinsurance may apply
Sentara Health Plans, Inc., Provider Status Report, 2020