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Health Insurance Exchange

Update for Central Virginia

If you live in Central Virginia and are interested in buying insurance on the Affordable Care Act (ACA) health insurance exchange for 2018, this page is for you. Click here for general information about the 2018 health insurance marketplace and how to enroll.

I am signing up for health insurance on healthcare.gov and I live in Central Virginia. Will care at VCU Health System be covered by my plan in 2018?

Yes. Beginning Jan. 1, 2018, we will be in-network for patients in Central Virginia who are enrolling in health insurance on the Affordable Care Act (ACA) insurance exchange. Three of the four insurance plans currently available on the exchange in Central Virginia (United, Aetna and Anthem) are leaving the exchange by year-end. The only remaining option on the insurance exchange for this region in 2018, Cigna Connect, will cover you for medically necessary treatment at VCU Health System and by MCV Physicians.

How do I know if Cigna Connect is available in my area?

Residents from Amelia, Charles City, Chesterfield, Dinwiddie, the majority of Hanover, Henrico, Prince George, Sussex, Colonial Heights City, Hopewell City, Petersburg City, and Richmond City will only be able to enroll in Cigna Connect on the insurance exchange for 2018.

What locations are included in the agreement?

  • Services from VCU Medical Center and MCV Physicians will be covered at the in-network benefit level. This includes inpatient adult and pediatric services at our downtown Richmond hospitals, Stony Point campus, Neuroscience Orthopedics and Wellness Center at Short Pump, our Children’s Pavilion, and services at the Virginia Treatment Center for Children.
  • The agreement does not include outpatient services at the pediatric Brook Road facility or its four satellite locations at the moment. Plans to include those locations are underway.
  • VCU Health Community Memorial Hospital (CMH) and CMH Physician Services are in-network through different exchange plans, since Cigna Connect does not cover those areas. Residents of Mecklenburg County, where CMH is located, can choose between Optima and Piedmont products. Both plans will continue to cover care at CMH and CMH Physician Services at in- network rates in 2018.

When will VCU Health System be listed as “in-network” on healthcare.gov and Cigna’s website?  

If you are enrolling on healthcare.gov between Nov. 1 and Dec. 15, 2017, our hospital and providers will not be listed as in-network. The same is true for Cigna’s website and Cigna’s provider directories. We are, however, confirmed to participate at in-network rates effective Jan. 1, 2018.  Cigna will update its directories as soon as it is feasible.

I currently have Cigna Connect as my health insurance plan in Central Virginia. Can I receive in-network care at VCU Health System now?

  • No. The agreement goes into effect on Jan. 1, 2018. If you are currently insured by Cigna Connect on the health insurance exchange, your plan does not participate with VCU Health System or MCV Physicians through the end of the 2017 calendar year.
  • If you would like to receive care at VCU Health or with MCV Physicians, please refer to the Cigna Connect guidelines regarding beneficiary responsibility for services received with providers that are out-of-network. You may also consider scheduling elective services and physician appointments (e.g. a routine physical) after the New Year, when VCU Medical Center and MCV Physicians are participating providers.

Trained certified application counselors are available to assist you with enrolling in the health insurance exchange. Call (804) 828-0966 Monday through Friday from 9 a.m. to 4 p.m. to speak to one of our certified application counselors.