Skilled nursing and residential care facilities in West Virginia
PlanOptica tracks 11 health and welfare plans sponsored by 9 skilled nursing and residential care facilities in West Virginia, covering 1,176 participants and $7.2M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 119 participants, and the most common size is 100 to 249 participants (73% of plans). The funding mix is split: 55% 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 63% share, followed by Aetna Life Insurance Company and Affiliates at 22%. Emerson Rogers LLC is the broker of record on 4 plans, more than any other firm, ahead of Usi Insurance Svcs LLC-Midatlantic (3). 73% of plans report broker compensation on Schedule A; the median brokered plan pays $14K a year, about 9.9% of premium. Elkins, Morgantown and Weirton have the most plans.
Funding mix
- Fully insured5 · 45%
- Self-funded3 · 27%
- Mixed3 · 27%
Plan size (participants)
- Under 1003 · 27%
- 100 to 2498 · 73%
- 250 to 4990 · 0%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 119 participants. Median broker comp: 9.9% of premium across 8 brokered plans.
Top carriers, skilled nursing, West Virginia
- 1Highmark Blue Cross Blue Shield West Virginia$4.5M2 plans · 62.6%
- 2Aetna Life Insurance Company and Affiliates$1.6M1 plans · 22.0%
- 3Gerber Life Insurance Company$352K1 plans · 4.9%
- 4Metropolitan Life Insurance Company$210K2 plans · 2.9%
- 5United of Omaha Life Insurance Company$176K3 plans · 2.4%
- 6Colonial Life & Accident Insurance Company$155K1 plans · 2.1%
- 7Principal Life Insurance Company$137K2 plans · 1.9%
- 8Equitable Financial Life Insurance Company of America$68K1 plans · 0.9%
- 9Eyemed Vision Care$15K1 plans · 0.2%
Top brokers, skilled nursing, West Virginia
- 1Emerson Rogers LLC4 plans$30K comp · 50.0%
- 2Usi Insurance Svcs LLC-Midatlantic3 plans$24K comp · 37.5%
- 3Stalwart Insurance LLC2 plans$77K comp · 25.0%
- 4Layne Financial Inc2 plans$6K comp · 25.0%
- 5Blue Ridge Risk Partners, LLC1 plans$60K comp · 12.5%
- 6Alan Rosenberger1 plans$18K comp · 12.5%
- 7Seubert & Associates Inc1 plans$14K comp · 12.5%
- 8Layman, Diener & Borntrager Ins1 plans$7K comp · 12.5%
- 9Professional Group Plans, Inc1 plans$6K comp · 12.5%
- 10James R. Nelligan & Associates LLC1 plans$5K comp · 12.5%
Largest skilled nursing and residential care facilities in West Virginia
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Mulberry Street Management Services, Inc Mulberry Street Management Services, Inc. Benefit PlanAll plans | Morgantown | Fully insured | 230 | $2.2M | Blue Cross of California |
| Weirton Geriatric Center Weirton Geriatric Center General Welfare PlanAll plans | Weirton | Fully insured | 186 | $1.7M | Aetna Life Insurance Company |
| Fox Nursing Home, Inc Fox Nursing Home, Inc. Health & Welfare PlanAll plans | Chester | Mixed | 166 | $420K | Gerber Life Insurance Company |
| Elkins Regional Convalescent Center, Inc Elkins Regional Convalescent Center, Inc. Long Term Disability PlanAll plans | Elkins | Fully insured | 124 | $45K | United of Omaha Life Insurance Company |
| Foster Foundation Foster Foundation Employee Benefit PlanAll plans | Huntington | Mixed | 117 | $100K | United of Omaha Life Insurance Company |
| Elkins Mountain Schools Elkins Mountain Schools Employee Benefit PlanAll plans | Elkins | Mixed | 110 | $77K | Principal Life Insurance Company |
| Hometown Care Hometown Care CBWV Benefit PlanAll plans | Belington | Self-funded | 0 | - | - |
| Commercial Holdings, LLC Commercial Holdings, LLC Health Care PlanAll plans | Charleston | Self-funded | 0 | - | - |
| Stepping Stone, Inc Stepping Stone, Inc. CBWV Benefit PlanAll plans | Fairmont | Self-funded | 0 | - | - |
Showing 9 of 9 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in West Virginia
Frequently asked questions
How many skilled nursing and residential care facilities in West Virginia offer an ERISA health plan?
11 health and welfare plans from 9 skilled nursing and residential care facilities in West Virginia appear in plan year 2024 to 2025 filings on Form 5500, covering 1,176 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 West Virginia?
By Schedule A premium: Highmark Blue Cross Blue Shield West Virginia (63% of premium, 2 plans), Aetna Life Insurance Company and Affiliates (22% of premium, 1 plan) and Gerber Life Insurance Company (5% of premium, 1 plan).
Which benefits brokers work with skilled nursing and residential care facilities in West Virginia?
By number of client plans: Emerson Rogers LLC (4 plans), Usi Insurance Svcs LLC-Midatlantic (3 plans) and Stalwart Insurance LLC (2 plans). 73% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in West Virginia?
The median brokered plan reports $14K a year in broker commissions and fees, or 9.9% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in West Virginia self-funded or fully insured?
Fully insured 45%, self-funded 27% and mixed 27%. Self-funded and mixed plans together make up 55%.
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 West Virginia
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Skilled nursing 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). 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 West Virginia.