IOGAWV EMPLOYEE BENEFITS PROGRAM

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

The IOGAWV 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.

IOGAWV membership is one of the qualifications for the insurance program.  For more information about this program, contact Lori Miller Smith of IOGAWV at lmillersmith@iogawv.com or 304-344-9867 or Pete Thackston of USI Insurance Services at pete.thackston@usi.com or 304-638-7281.

The IOGAWV 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.

About IOGA

Formed in 1959, the Independent Oil and Gas Association of West Virginia, Inc., is a statewide not for profit corporation that represents oil and natural gas producers and the companies and individuals who support production activities. IOGA, the state’s largest and most respected oil and gas association, has over 500 companies who are active not only in West Virginia, but also in other states. IOGA was formed to promote and protect a strong, competitive and capable independent natural gas and oil producing industry in West Virginia.

Super Blue 90/70 Plans with $15 Co-pay

Listed below are the 90/70 plans with a $15 co-pay (plans are listed by deductible):

Super Blue 90/70 Plans with $25/$35/$50 co-pays:

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

Super Blue 80/60 Plans with $15 Co-pay

Listed below are the 80/60 plans with a $15 co-pay (plans are listed by deductible):

Super Blue 80/60 Plans with $25/$35/$50 Co-pay

Listed below are the 80/60 plans with a $25/$35/$50 co-pay (plans are listed by deductible):

HDHP Plans:

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

United Concordia Dental

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
  • Click here for complete information


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
  • Click here for complete information

Summary Plan Description

 

Summary Annual Report