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Optima Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

The Optima Health Insurance Company provides coverage for more than 415,000 people in Virginia. This insurance company offers individual, family and group health plans. Optima also has plans for people who are eligible for Medicare and Medicaid.

Optima Health has been providing health insurance services across the state of Virginia for more than 20 years. The Optima Health network of providers consists of over 15,000 Doctors, hospitals, clinics, and health care facilities.

Read through this Optima Health review, read the reviews of Optima Health Insurance left by customers of Optima at the bottom of this page, and then enter your zip code into the box on the side of this page to compare quotes from top health insurance providers across the US.

Optima Health Insurance Plans

There are a number of different Optima health insurance plans for VA residents to choose from. Here is a synopsis of each of them:

Optima Vantage HMO

The Optima Vantage plan is a Health Maintenance Organization (HMO) model for insurance coverage. This option allows subscribers to choose a doctor to act as their primary care physician and see a specialist when they need to without having to get a referral first. The plan has a large network of health care providers to choose from. To receive benefits under the plan, members must seek treatment from a doctor or a hospital that is part of the plan’s member network. In return for this commitment to a specific provider network, the subscriber pays lower premium rates than with other types of plans.

Optima Plus PPO

For people who would like to have more flexibility in their health care options, the company offers Optima Plus. This is a Preferred Provider Organization (PPO), and subscribers have the option of seeing doctors or getting treatment from hospitals that are outside of the network if they wish. They still have coverage if they decide to exercise this option, but at a lower level of benefits than if they had stayed with a network provider.

The Optima Plus plan offers a range of deductibles starting at $500 per year for individuals and $1,000 per year for family coverage. Plan members get an unlimited number of doctor visits per year with a low co-pay. This coverage option includes prescription drugs.

A PPO is a good choice for people who are planning to travel often and who don’t want to be confined to getting care from within a specific network of providers. Low deductibles are available with this coverage option, and when a subscriber gets in-network care, they don’t need to fill out any paperwork. Subscribers have the option of seeing a specialist for their health care needs without waiting to see a primary care physician for a referral.

Optima POS

The Optima Point of Service plan allows members to access care from in-network providers, as well as from healthcare professionals who are not participants. This plan has a large number of providers to choose from. If a subscriber needs to see a specialist, they do need to get a referral first.

Optima Medicare

Optima Medicare offer members a superior level of coverage with low out-of-pocket expenses. Plan members can access a network of doctors and hospitals for their medical care. This coverage option provides a higher level of benefits than Medicare alone provides.

Optima Foursight

The Optima Foursight Plan offers comprehensive medical insurance coverage with moderate premium levels. Plan members can visit the doctor of their choice without having to get a referral. This plan would be a good choice for people who don’t have to go to see a doctor often. Deductible levels for individuals start at $500 per year and go up to $5,000. Family coverage with an annual deductible ranging from $1,000 to $10,000 per year is available with this plan.

Optima Equity 100

People who are interested in having coverage for major medical expenses can consider the Optima Equity 100 plan. This option combines a high-deductible health insurance plan with a Health Savings Account (HSA). The plan member deposits funds into the HSA each year. This money qualifies as a tax deduction. As long as the funds are withdrawn to pay for eligible medical expenses, they can be withdrawn on a tax-free basis.

This option isn’t right for everyone, but may be a good choice for people who want to have coverage in place for major medical expenses and have the means to pay for their regular medical care. Deductibles for an individual start at $2,500 per year. For a family, the annual deductible with this plan is $5,000.

Optima Equity 80

The Optima Equity 80 is another HSA-eligible plan. It is designed for people who are looking for a plan that provides basic coverage. Premiums are kept affordable and this is the right choice for people who are looking for health insurance on a “just in case” basis.

Compare Optima Health Insurance Quotes

The Optima Health Insurance Company has a range of plans designed to suit any budget. Being without health insurance isn’t a good idea, especially since medical expenses can add up very quickly. You can find out how affordable this company’s offerings are, and compare them with those from other providers, by clicking on the free insurance quote tool on this page now. Get started comparing health insurance providers today!

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