“Conversion” is the right to convert group coverage to individual coverage when membership in the group ends. West Virginia requires that hospital, surgical, and major medical plans offer conversion to employees whose group coverage terminates for any reason, provided that they were covered for the previous three months (WV Code Sec. 33-16A-1). The converted policy will cover the employee and his or her dependents who were covered by the group policy on the date of termination of insurance (WV Code Sec. 33-16A-4). Additionally, at the option of the insurer, a separate converted policy may be issued to cover any dependent.
Last reviewed on April 13, 2017.