As a summary, this guide will not answer every question for every person in every circumstance.  In addition, it is not a substitute for legal advice.  If you have more questions, contact the agencies listed below or consult an attorney.

For questions about:
Individual health insurance
State continuation coverage
Conversion coverage
Fully insured group health plans
Contact:
West Virginia Insurance Commission
(800) 624-9004 (West Virginia calls only)
(304) 558-3386
http://www.state.wv.us/insurance

For questions about:
Self-insured group health plans
COBRA continuation coverage
Family and Medical Leave Act
Contact:
U.S. Department of Labor
Employee Benefits Administrator
Employee & Employer Assistance Hotline and
Publications
(866) 4440EBSA (3272)
http://www.dol.gov/ebsa

For questions about:
Medicaid
Contact:
West Virginia Children’s Health Insurance Program
West Virginia Department of Health and Human Resources
(304) 558-1700
http://www.wvdhhr.org/bms

For questions about:
West Virginia’s Children’s Health Insurance Program
Contact:
West Virginia Children’s Health Insurance Program Hotline
(877) 982-2447 (toll-free)
http://www.wvdhhr.org/wvchip

For questions about:
West Virginia Breast and Cervical Cancer Screening Program
Contact:
Cancer Prevention and Control at the Mary Babb Randolph Cancer Center
(304) 293-2370
http://www.hsc.wvu.edu/mbrcc/bccsp/

For questions about:
The Federal Health Coverage Tax Credit (HCTC)
Contact:
Internal Revenue Service (IRS)
(866) 628-HCTC
http://www.irs.gov/individuals/index.html
(Click on HCTC); or call HCTC customer service center.

Finally, if you would like to obtain a consumer guide for a different state, visit the web at http://www.healthinsuranceinfo.net