Physician practices in West Virginia
PlanOptica tracks 24 health and welfare plans sponsored by 17 physician practices in West Virginia, covering 9,294 participants and $13M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 179 participants, and the most common size is 100 to 249 participants (38% of plans). The funding mix is split: 42% of plans are self-funded or mixed and the rest are mainly fully insured.
Highmark Blue Cross Blue Shield West Virginia dominates premium with a 62% share, followed by The Guardian Life Insurance Company of America at 7%. The Cason Group Inc is the broker of record on 3 plans, more than any other firm, ahead of The Hilb Group of WV (2). 58% of plans report broker compensation on Schedule A; the median brokered plan pays $37K a year, about 14.8% of premium. Huntington, Charleston and Morgantown have the most plans.
Funding mix
- Fully insured11 · 46%
- Self-funded7 · 29%
- Mixed3 · 13%
- MEWA2 · 8%
- Unknown1 · 4%
Plan size (participants)
- Under 1007 · 29%
- 100 to 2499 · 38%
- 250 to 4994 · 17%
- 500 to 9990 · 0%
- 1,000 or more4 · 17%
Median plan: 179 participants. Median broker comp: 14.8% of premium across 14 brokered plans.
Top carriers, physicians, West Virginia
- 1Highmark Blue Cross Blue Shield West Virginia$8.2M4 plans · 61.5%
- 2The Guardian Life Insurance Company of America$883K6 plans · 6.6%
- 3Principal Life Insurance Company$867K2 plans · 6.5%
- 4Nationwide Life Insurance Company$850K1 plans · 6.4%
- 5Standard Insurance Company$577K2 plans · 4.3%
- 6Unum Life Insurance Company of America$515K3 plans · 3.9%
- 7Amfirst$363K2 plans · 2.7%
- 8The Lincoln National Life Insurance Company$343K1 plans · 2.6%
- 9Delta Dental of West Virginia$183K2 plans · 1.4%
- 10Crum & Forster$162K1 plans · 1.2%
Top brokers, physicians, West Virginia
- 1The Cason Group Inc3 plans$24K comp · 21.4%
- 2The Hilb Group of WV2 plans$356K comp · 14.3%
- 3Tyler Brown2 plans$121K comp · 14.3%
- 4Aegis Insure2 plans$74K comp · 14.3%
- 5Jarrell Black and Company, LLC2 plans$41K comp · 14.3%
- 6Gis Benefits2 plans$36K comp · 14.3%
- 7Aegisinsure LLC2 plans$18K comp · 14.3%
- 8Morgan White Limited2 plans$18K comp · 14.3%
- 9Custom Benefit Programs, Inc an Aon1 plans$68K comp · 7.1%
- 10Usi Insurance Services LLC1 plans$50K comp · 7.1%
Largest physician practices in West Virginia
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| West Virginia University Medical Corporation Benefit Plan for Employees of West Virginia University Medical CorporationAll plans | Morgantown | Mixed | 2,261 | $186K | Securian Life Insurance Company |
| University Physicians & Surgeons, Inc University Physicians & Surgeons, Inc. Group Life Insurance PlanAll plans | Huntington | Fully insured | 1,475 | $325K | Standard Insurance Company |
| Community Care of West Virginia, Inc Community Care of West Virginia, Inc. Welfare Benefit PlanAll plans | Rock Cave | Fully insured | 477 | $5.6M | Blue Cross of California |
| Ohio Valley Physicians, Inc Ohio Valley Physicians Health & Welfare PlanAll plans | Huntington | MEWA | 270 | $590K | Unum Life Insurance Company of America |
| Lincoln County Primary Care Center Inc Lincoln County Primary Care Center Inc. Employee Benefits PlanAll plans | Hamlin | Mixed | 245 | $1.2M | Nationwide Life Insurance Company |
| Cabin Creek Health Center, Inc Cabin Creek Health Center Life and Disability PlanAll plans | Charleston | Fully insured | 199 | $242K | The Guardian Life Insurance Company of America |
| First Choice Services, Inc First Choice Services, Inc. Health and Welfare PlanAll plans | Charleston | Fully insured | 199 | $84K | The Guardian Life Insurance Company of America |
| E. A. Hawse Health Center, Inc E. A. Hawse Health Center, Inc. Group Health PlanAll plans | Baker | Self-funded | 172 | - | - |
| Logan Mingo Area Mental Health Logan Mingo Area Mental HealthAll plans | Logan | Fully insured | 131 | $45K | Principal Life Insurance Company |
| Regional Eye Associates, Inc Regional Eye Associates, Inc. Group Insurance PlanAll plans | Morgantown | Fully insured | 108 | $96K | The Guardian Life Insurance Company of America |
| West Virginia University Medical Corporation Charleston Division Wvupc Welfare Benefit PlanAll plans | Charleston | Fully insured | 103 | $343K | The Lincoln National Life Insurance Company |
| Devin a King Devin a King MD PS KeoghAll plans | Hurricane | Unknown | 14 | - | - |
| So Charleston Cardiology Assoc So Charleston Cardiology Assoc. Self Funded Medical Reimbursement PlanAll plans | South Charleston | Self-funded | 0 | - | - |
| Ohio Valley Asthma and Allergy Ohio Valley Asthma and Allergy CBWV Benefit PlanAll plans | Wheeling | Self-funded | 0 | - | - |
| Preston Urgent Care Family Practice Preston Urgent Care Family Practice CBWV Benefit PlanAll plans | Kingwood | Self-funded | 0 | - | - |
Showing 15 of 17 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in West Virginia
- Huntington6 plans · 5,041 participants
- Charleston5 plans · 805 participants
- Morgantown3 plans · 2,409 participants
- Rock Cave1 plans · 477 participants
- Hamlin1 plans · 245 participants
- Baker1 plans · 172 participants
- Logan1 plans · 131 participants
- Hurricane1 plans · 14 participants
- Bridgeport1 plans · 0 participants
- Kingwood1 plans · 0 participants
- South Charleston1 plans · 0 participants
- Terra Alta1 plans · 0 participants
Frequently asked questions
How many physician practices in West Virginia offer an ERISA health plan?
24 health and welfare plans from 17 physician practices in West Virginia appear in plan year 2024 to 2025 filings on Form 5500, covering 9,294 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most physician practices in West Virginia?
By Schedule A premium: Highmark Blue Cross Blue Shield West Virginia (62% of premium, 4 plans), The Guardian Life Insurance Company of America (7% of premium, 6 plans) and Principal Life Insurance Company (7% of premium, 2 plans).
Which benefits brokers work with physician practices in West Virginia?
By number of client plans: The Cason Group Inc (3 plans), The Hilb Group of WV (2 plans) and Tyler Brown (2 plans). 58% of plans report a broker.
How much do brokers earn on physician practices health plans in West Virginia?
The median brokered plan reports $37K a year in broker commissions and fees, or 14.8% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in West Virginia self-funded or fully insured?
Fully insured 46%, self-funded 29% and mixed 13%. Self-funded and mixed plans together make up 42%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of physicians (NAICS 621111) and of mental health physicians (621112).
Prospect physician practices in West Virginia
Open the welfare search with West Virginia and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Physicians in nearby states
Other healthcare specialties in West Virginia
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of physicians (NAICS 621111) and of mental health physicians (621112). Location is the sponsor's filing address in West Virginia.