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Individual
health insurance is offered by the companies shown below.
The policies offered are intended to provide
permanent coverage (over 185 days), but can also be purchased for
as little as one month. Scroll down this page for highlights of the plans offered. Click on a
company's logo or name at the left for links to benefit summaries, rates and other details.
If you have a need for only temporary coverage (30 to
365 days),
you may also want to consider a special type of policy called Short Term Medical,
which is an affordable alternative to COBRA or other
continuation of coverage available under a former employer's
plan,
particularly if you don't have pre-existing conditions. This
type of policy can often be 25% or more less expensive than a
permanent individual medical plan.
Click
here to view information about
Short Term Medical insurance. |
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LifeWise Health Plan of Washington
-
Available to residents of all 39 Washington State counties
-
All plans are
Preferred Provider (PPO) plans, so
no
Primary Care Physician (PCP) is needed and no referrals are
required
-
Large choice of
providers (click
here for provider directory)
-
Annual deductible:
$1,000 to $3,500
-
Office visits: no deductible
(WiseChoices plan) or no deductible for
first 6 office visits per calendar year (WiseEssentials
plan)
-
HSA (Health
Savings Account)-qualified plans available with $1,750
or
$3,000 individual deductible (single person), and $3,500 or $6,000
aggregate family deductible
(2 or more individuals enrolled)
-
Network benefit: 80%, 75%
or 70%
depending on plan
-
Preventive care:
covered (no deductible)
-
Prescription drugs:
covered (WiseChoices plan only); other plans
have discounts available at participating pharmacies
-
Maternity: covered (WiseChoices
plan only)
-
Vision exam, lenses
and frames: covered (WiseChoices plan only)
-
Worldwide coverage
– 50% coverage outside Washington, Oregon and Arizona (except in case of emergency)
-
Click
here
to examine LifeWise's plans
in detail: eligibility, benefits, rates, limitations and exclusions.
Regence BlueShield
-
Available to residents of 22 western and eastern Washington State counties (click
here
to see where offered).
-
All plans are
Preferred Provider (PPO) plans, so
no
Primary Care Physician (PCP) is needed and no referrals are
required
-
Large choice of
providers
(click
here for provider directory;
in the "Plan:"
drop-down box of the directory, choose "Preferred")
-
Annual deductible:
$1,000 to $10,000
- Office visits: no deductible and
100% coverage (after a copay) in Breakthru 70 and NowSelect
plans
-
HSA-qualified plans available with $1,500, $2,500 or $3,500 individual deductible (single
person), and $3,000, $5,000 or $7,000 aggregate family deductible (2 or
more individuals enrolled)
-
Network benefit: 80%, 70% or 50%
depending on plan
-
Preventive care:
covered (no deductible; all plans except Breakthru 50)
-
Prescription drugs:
covered (Breakthru 70 & HSA Healthplan
Comprehensive plans)
-
Maternity: covered (Breakthru 70 & HSA Healthplan Comprehensive plans)
-
Vision exam, lenses
and frames: covered (Breakthru 70 plan)
-
Worldwide coverage – Preferred Provider level of coverage in the USA if using a PPO provider of
the local Blue Cross/Blue Shield plan; Preferred Provider level of
coverage outside the USA in case of
emergency
-
Click
here
to examine Regence BlueShield’s plans
in detail: eligibility,
benefits, rates, limitations and exclusions.
Asuris Northwest Health
-
Available to residents of 16 eastern Washington State counties (click
here
to see where offered).
-
All plans are
Preferred Provider (PPO) plans, so
no
Primary Care Physician (PCP) is needed and no referrals are
required
-
Large choice of
providers
(click
here for provider directory;
in the "Plan:" drop-down box choose "Asuris
Preferred")
-
Annual deductible:
$1,000 to $10,000
-
Office visits: no deductible and
100% coverage (after a copay) in Clarity 70 and Core plans
-
HSA-qualified plans available with $1,500, $2,500 or $3,500 individual deductible (single
person), and $3,000, $5,000 or $7,000 aggregate family deductible (2 or
more individuals enrolled)
-
Network benefit: 80%, 70% or 50%
depending on plan
-
Preventive care:
covered (no deductible; all plans except Clarity 50)
-
Prescription drugs:
covered (Clarity 70 & HSA Healthplan Comprehensive
plans)
-
Maternity: covered
(Clarity 70 & HSA Healthplan Comprehensive plans)
-
Vision exam, lenses
and frames: covered (Clarity 70 plan)
-
Worldwide coverage – 80%
-
Click
here
to examine
Asuris Northwest Health’s plans
in detail: eligibility,
benefits, rates, limitations and exclusions.
KPS Health Plans
-
Available to residents of all 39 Washington State counties
-
All
plans are
PPO plans
-
Large
choice of providers
(click
here
for provider directory)
-
Annual
deductible: $1,000
to $5,150
-
Office visits: no deductible and
100% coverage after $30 per-visit copay for first 3 visits per year (Essential
Plus
plan only)
-
HSA-qualified plan available with $1,750
or
$2,600 individual deductible (single person), and $3,500 or $5,150 family
aggregate deductible (2 or more individuals enrolled); available with or without prescription drug coverage
-
Benefit: 70% or
80%,
depending on plan
-
Preventive care:
covered (no deductible for most services)
-
Prescription drugs:
covered (Sound Harbor Elite, Essential Plus (generic drugs only), and The Healthy Investor HSA with drug
coverage); other plans
have discounts available at participating pharmacies
-
Maternity: covered (Sound
Harbor Elite)
-
Vision exam: covered
as part of Preventive Care benefit in all plans
-
Vision lenses and
frames: not covered
-
Worldwide coverage in the case of an emergency
-
Click
here
to examine
KPS
Health
plans in detail:
eligibility,
benefits, rates, limitations and exclusions.
Group Health Cooperative & Group
Health Options, Inc.
-
Available to residents of 18 Washington State
counties (click
here
to see where offered).
-
HMO
plan provided by Group Health Cooperative, and
Point of Service
(POS)
plans provided by Group Health Options, Inc., an affiliated company of
Group Health Cooperative
-
HMO
plan (Welcome plan), must use Group Health Cooperative providers
(click
here
for provider directory; in the drop-down box choose "Group Health")
-
POS plans
(Balance and HealthPays HSA plans), can use Group Health Cooperative
along with Virginia Mason and Everett Clinic providers for in-network
services, and any other provider for out-of-network services. Discounts
available using out-of-network providers participating with First Choice
Health and Beech Street networks (click
here for
provider directory; in the drop-down box choose "Alliant Plus" and then
click on "Out-of-network providers" on the right side)
-
Annual
deductible:
$500 to $5,000
-
Office visits:
Balance Plan - 100% coverage after $30 copay; in-network not
subject to deductible; out-of-network after deductible is satisfied
Welcome Plan - no deductible for 1st 5 office
visits per year
-
Outpatient x-ray & lab:
Balance Plan - 100% coverage; in-network not subject to
deductible; out-of-network after deductible
Welcome Plan - Welcome 500 plan includes first $500 per year
paid in full
-
HSA-qualified plan (HealthPays HSA) available with $2,000 individual deductible (single
person), and $4,000 aggregate family deductible (2 or
more individuals enrolled)
-
Benefit: 80%, 70%,
60%
or 50% depending on plan
-
Preventive Care: covered (not subject to the
deductible)
-
Prescription drugs:
covered (not subject to the deductible) in Balance 1000, Balance 1500 and
Welcome 500 plans only
-
Maternity: covered in
Balance 1000, Balance
1500 and Welcome 500 plans only
-
Vision
exam and hardware: covered in all plans except HealthPays HSA
-
Worldwide coverage in the case of an emergency
-
Click
here
to examine
Group
Health Cooperative & Group Health Options, Inc.'s
plans in detail:
eligibility,
benefits, rates, limitations and exclusions.
Assurant
Health
-
Available to residents of all 39 Washington State counties
-
All plans are
Preferred Provider (PPO) plans, so
no
Primary Care Physician (PCP) is needed and no referrals are
required
-
Large choice of
providers (click
here for provider directory)
-
Annual deductible:
$1,500 to $10,000
-
Office visits: no deductible
and 100% paid (after $35 copay) for
first 4 office visits per calendar year (all plans except HSA)
-
HSA (Health
Savings Account)-qualified plan available with
$2,700 individual deductible (single person), and $5,400
aggregate family deductible
(2 or more individuals enrolled)
-
Network benefit: 80%, 75%
or 50%
depending on plan
- Accident
benefit: no
deductible and 100% paid for first $2,000 of accident-related expenses
per accident (Catastrophic
plan only)
-
Preventive care:
covered (no deductible for Catastrophic and HSA plans)
-
Prescription drugs:
automatically covered in Comprehensive plan only; Catastrophic plans allow
you the option to buy prescription drug coverage at an additional cost
-
Maternity: covered
same as any other expense in Comprehensive plan only; Catastrophic plans
cover complications of maternity the same as any other expense (normal
maternity is covered after a separate $20,000 deductible)
-
Vision exam, lenses
and frames: not covered, but a Dental-Vision Discount Plan is available
at an additional cost of $9.95 per month per family
-
Worldwide coverage
included
-
Click
here
to examine Assurant
Health's plans
in detail: eligibility, benefits, rates, limitations and exclusions.
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