Skilled nursing and residential care facilities in Virginia
PlanOptica tracks 40 health and welfare plans sponsored by 38 skilled nursing and residential care facilities in Virginia, covering 32,510 participants and $55M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 297 participants, and the most common size is 100 to 249 participants (30% of plans). Most of these plans are self-funded or mixed (63%), so stop-loss and TPA relationships matter as much as the medical carrier.
Anthem Health Plans of Virginia leads by premium with a 27% share, followed by Aetna Life Insurance Company at 13%. James a Scott & Son Inc is the broker of record on 15 plans, more than any other firm, ahead of Watchtower Benefits, LLC (12). 95% of plans report broker compensation on Schedule A; the median brokered plan pays $45K a year, about 5.0% of premium. Roanoke, McLean and Charlottesville have the most plans.
Funding mix
- Mixed23 · 57%
- Fully insured15 · 38%
- Self-funded2 · 5%
Plan size (participants)
- Under 1004 · 10%
- 100 to 24912 · 30%
- 250 to 49911 · 28%
- 500 to 9997 · 18%
- 1,000 or more6 · 15%
Median plan: 297 participants. Median broker comp: 5.0% of premium across 38 brokered plans.
Top carriers, skilled nursing, Virginia
- 1Anthem Health Plans of Virginia$15M17 plans · 26.8%
- 2Aetna Life Insurance Company$7.2M2 plans · 13.2%
- 3Cigna Health and Life Insurance Company$6.1M3 plans · 11.1%
- 4Hartford Life and Accident$5.9M18 plans · 10.8%
- 5Unitedhealthcare Insurance Company$5.6M3 plans · 10.2%
- 6Qbe Insurance$5.4M8 plans · 9.8%
- 7Sun Life Financial$1.2M2 plans · 2.2%
- 8Reliastar Life Insurance Company$882K1 plans · 1.6%
- 9Sentara Health Plans$859K3 plans · 1.6%
- 10Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc$851K1 plans · 1.5%
Top brokers, skilled nursing, Virginia
- 1James a Scott & Son Inc15 plans$753K comp · 39.5%
- 2Watchtower Benefits, LLC12 plans$48K comp · 31.6%
- 3Hub International Northeast Limited4 plans$68K comp · 10.5%
- 4Marsh & McLennan Agency LLC4 plans$50K comp · 10.5%
- 5The Cason Group, Inc4 plans$30K comp · 10.5%
- 6Scott Insurance a Division of James4 plans$17K comp · 10.5%
- 7Threeflow4 plans$6K comp · 10.5%
- 8Watchtower Technologies Inc4 plans$4K comp · 10.5%
- 9McGriff Insurance Services3 plans$135K comp · 7.9%
- 10Golden & Cohen LLC3 plans$127K comp · 7.9%
Largest skilled nursing and residential care facilities in Virginia
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Sunrise Senior Living Management, Inc Sunrise Senior Living Health and Welfare PlanAll plans | McLean | Fully insured | 13,252 | $2.6M | Hartford Life and Accident |
| Mfa Health Fund LLC Mfa Health Fund LLCAll plans | Roanoke | Self-funded | 3,024 | $1.1M | Sun Life Assurance Company of Canada |
| Commonwealth Senior Living, LLC Commonwealth Assisted Living Welfare PlanAll plans | Charlottesville | Fully insured | 1,422 | $5.5M | Anthem Life Insurance Company |
| American Healthcare, LLC American Healthcare, LLC Employee Benefits PlanAll plans | Roanoke | Mixed | 1,420 | $1.0M | Reliastar Life Insurance Company |
| Friendship Foundation Friendship Foundation Health, Dis Income, and Life InsAll plans | Roanoke | Fully insured | 1,306 | $4.3M | Aetna Life Insurance Company |
| Commonwealth Care of Roanoke, Inc Commonwealth Care of Roanoke, Inc. Employee Benefits PlanAll plans | Roanoke | Mixed | 1,126 | $2.2M | Anthem Life Insurance Company |
| Virginia Baptist Homes, Inc. D/B/a Lifespire of Virginia Virginia Baptist Homes, Inc. D/B/a Lifespire of Virginia Employee Benefits PlanAll plans | Glen Allen | Mixed | 858 | $1.4M | Qbe Insurance |
| Diamond Hill SNF Operations LLC LynchburgAll plans | Lynchburg | Mixed | 838 | $73K | The Guardian Life Insurance Company of America |
| Virginia Health Services, Inc Group Insurance Plan for Employees of Virginia Health Services, IncAll plans | Newport News | Fully insured | 739 | $215K | Unum Life Insurance Company of America |
| Westminster-Canterbury on Chesapeake Bay Westminster Canterbury on Chesapeake Bay Master Welfare Benefit PlanAll plans | Virginia Beach | Mixed | 691 | $534K | Hartford Life and Accident |
| Pinnacle Living Pinnacle Living Employee Benefits PlanAll plans | Glen Allen | Mixed | 634 | $1.6M | Qbe Insurance |
| McClintic Operations Holdco II LLC (Dba of Kissito Healthcare) Kissito Healthcare, Inc. Benefits PlanAll plans | Roanoke | Mixed | 631 | $3.9M | Unitedhealthcare Insurance Company |
| Eastern Healthcare Group LLC Eastern Healthcare Group LLCAll plans | Suffolk | Mixed | 630 | $265K | Unitedhealthcare Insurance Company |
| Community Residences Inc Community Residences Health and Welfare Benefit PlanAll plans | Chantilly | Fully insured | 422 | $3.4M | Cigna Health and Life Insurance Company |
| Youth for Tomorrow Youth for Tomorrow Health & Welfare PlanAll plans | Bristow | Fully insured | 407 | $3.3M | Cigna Health and Life Insurance Company |
Showing 15 of 38 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Virginia
- Roanoke7 plans · 7,894 participants
- McLean3 plans · 13,841 participants
- Charlottesville2 plans · 1,628 participants
- Glen Allen2 plans · 1,492 participants
- Newport News2 plans · 1,013 participants
- Lynchburg2 plans · 970 participants
- Harrisonburg2 plans · 756 participants
- Norfolk2 plans · 478 participants
- Bristow2 plans · 407 participants
- Virginia Beach1 plans · 691 participants
- Suffolk1 plans · 630 participants
- Chantilly1 plans · 422 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Virginia offer an ERISA health plan?
40 health and welfare plans from 38 skilled nursing and residential care facilities in Virginia appear in plan year 2024 to 2025 filings on Form 5500, covering 32,510 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 skilled nursing and residential care facilities in Virginia?
By Schedule A premium: Anthem Health Plans of Virginia (27% of premium, 17 plans), Aetna Life Insurance Company (13% of premium, 2 plans) and Cigna Health and Life Insurance Company (11% of premium, 3 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Virginia?
By number of client plans: James a Scott & Son Inc (15 plans), Watchtower Benefits, LLC (12 plans) and Hub International Northeast Limited (4 plans). 95% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Virginia?
The median brokered plan reports $45K a year in broker commissions and fees, or 5.0% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Virginia self-funded or fully insured?
Mixed 57%, fully insured 38% and self-funded 5%. Self-funded and mixed plans together make up 63%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Virginia
Open the welfare search with Virginia and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Virginia
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Virginia.