The Independent Oil and Gas Association of West Virginia, Inc. (IOGAWV) 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 or 304-344-9867 or Pete Thackston of USI Insurance Services at 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 Dearborn National Life Insurance Company.


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. IOGAWV, the state’s largest and most respected oil and gas association, has over 700 companies who are active not only in West Virginia, but also in other states. IOGAWV 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):

HDHP Plans:

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

United Concordia Dental

  • 100% Preventive
  • $50 (x 3) Deductible for Basic and Major Services
  • 80% Basic Services
  • 50% Major Services and Orthodontic
  • $1,500 Annual Benefit per Person
  • $1,000 Lifetime Orthodontic
  • Click here for complete information

Dearborn National Life


  • Term Life Insurance $15,000, $25,000 or $50,000
  • Short Term Disability (1st day accident, 8th day illness/ 26 weeks of benefits), $150, $250, or $300 per week benefit
  • Click here for complete information

Summary Plan Description


Summary Annual Report