Washington State Health, Dental, Life and Disability Insurance   206.442.1111 or 1.866.369.6700

                         
Individual Health Insurance Rates & Benefits
Before continuing, first click here to see which plans are available where you live.  
        Applicant:        
          Spouse:        
    *KPS Health Plans Spouse:        
    Number of Children:            
                         
*If married and both spouses are nonsmokers or smokers, choose the younger age of the two spouses as the Applicant. Then choose the same non-smoker/smoker category and age for the spouse in the "KPS Health Plans Spouse" box. KPS is the only carrier that uses the younger age of two spouses to determine the rates for both if they are both nonsmokers or smokers.

Example: John and Jane Doe are both nonsmokers. John is age 43; Jane is 35. Jane will be the Applicant by selecting "Nonsmoker Age 35-39" in the "Applicant" box. Then also choose "Nonsmoker Age 35-39" for John in the "KPS Health Plans Spouse" box. This only applies to KPS Health Plans. For all other plans, John's actual "Nonsmoker Age 40-44" should be selected in the "Spouse" box. If one of you is a smoker and the other spouse is not, it may be to your advantage to apply under separate KPS contracts as individuals rather than as a family under one contract. Please call us if you need help or would like a personalized quote.
                         
Want details? Click on any underlined word, phrase or carrier name. Plans are shown in order of lowest to highest deductible.
The annual deductible applies to all health care services and supplies except those marked with *
View "Important Information About This Comparison" by clicking here.      
                         
$500 and $750 Deductible Plans              
Monthly Rate Carrier Plan Name Plan Type Annual Deductible Network Benefit Out-of-Pocket Maximum Office Visit Copay Prescription Drugs Maternity Preventive Care Vision Exam and Hardware More Information
(click on links below)
Preferred80 PPO $500 80% $2,000 $0 $200 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $300		 Exam: Yes
Hardware: Yes		 Provider Directory
Benefit Summary
Apply Here!
Choice80 Tradi-tional $500 80% $2,000 $0 $200 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $300 		Exam: Yes
Hardware: Yes		 Provider Directory
Benefit Summary
Apply Here!
Preferred70 PPO $500 70% $3,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $200 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Choice70 Tradi-tional $500 70% $3,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $200 		Exam: Yes
Hardware: Yes		 Provider Directory
Benefit Summary
Apply Here!  
Selections® Comprehensive POS $500 80% $2,000 $15 $0 deductible
50%/50%/0%
$2,000/year 		Yes 100%* to $200 No
(discounts are available)  		Provider Directory
Benefit Summary
Apply Here!
Sound Harbor Classic PPO $500 80% $5,000 $0 Common deduc
$10/$30/50%
$2,000/year 		Yes 100%*
to $250 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Comprehensive HMO $500 80% $2,000 $0 $0 deductible
20%/40%/0%
$2,000/year 		Yes 100%* Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
Preferred Comprehensive PPO $750 80% $2,000 $0 $0 deductible
50%/50%/0%
$2,000/year 		Yes 100%*
to $300 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Preferred Comprehensive PPO $750 80% $2,000 $0 $0 deductible
50%/50%/0%
$2,000/year 		Yes 100%*
to $300 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
                         
$1,000 Deductible Plans              

 

Monthly Rate Carrier Plan Name Plan Type Annual Deductible Network Benefit Out-of-Pocket Maximum Office Visit Copay Prescription Drugs Maternity Preventive Care Vision Exam and Hardware More Information
(click on links below)
Preferred80 PPO $1,000 80% $2,000 $0 $200 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $300		 Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Choice80 Tradi-tional $1,000 80% $2,000 $0 $200 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $300 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Preferred70 PPO $1,000 70% $3,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $200 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Choice70 Tradi-tional $1,000 70% $3,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		Yes 100%*
to $200 		Exam: Yes
Hardware: Yes 		Provider Directory
Benefit Summary
Apply Here!
Selections® Comprehensive POS $1,000 80% $2,000 $15 $0 deductible
50%/50%/0%
$2,000/year 		Yes 100%* to $200 No
(discounts are available)  		Provider Directory
Benefit Summary
Apply Here!
Comprehensive HMO $1,000 80% $2,000 $0 $0 deductible
20%/40%/0%
$2,000/year 		Yes 100%* Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
                         
$1,500 Deductible Plans              

 

Monthly Rate Carrier Plan Name Plan Type Annual Deductible Network Benefit Out-of-Pocket Maximum Office Visit Copay Prescription Drugs Maternity Preventive Care Vision Exam and Hardware More Information
(click on links below)
Selections® Catastrophic POS $1,500 80% $3,000 $15 No No None No
(discounts are available)		 Provider Directory
Benefit Summary
Apply Here!
Preferred Catastrophic PPO $1,500 80% $3,000 $0 No No None No
(discounts are available) 		Provider Directory
Benefit Summary
Apply Here! 
Preferred Catastrophic PPO $1,500 80% $3,000 $0 No No None No
(discounts
are available)  		Provider Directory
Benefit Summary
Apply Here!
Sound Harbor Essential PPO $1,500 80% $6,000 $0 No
(discounts are available) 		No 80%
to $200 		Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
Catastrophic HMO $1,500 80% $4,000 $0 No No 100%* Exam: Yes
Hardware: No		 Provider Directory
Benefit Summary
Apply Here!
                         
$1,700 and $2,500 Deductible Plans          

 

Monthly Rate Carrier Plan Name Plan Type Annual Deductible Network Benefit Out-of-Pocket Maximum Office Visit Copay Prescription Drugs Maternity Preventive Care Vision Exam and Hardware More Information
(click on links below)
Share MSA
Individual Plan 		PPO 1,700 80% $3,300 (includes deductible) $0 No No No No Provider Directory
Benefit Summary
Apply Here!
Share MSA
Individual Plan 		PPO 2,500 80% $3,300 (includes deductible) $0 No No No No Provider Directory
Benefit Summary
Apply Here!
Share Preferred PPO $2,500 70% $6,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		No No No Provider Directory
Benefit Summary
Apply Here!
Share Traditional Tradi-tional $2,500 70% $6,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		No No No Provider Directory
Benefit Summary
Apply Here!
Sound Harbor Essential PPO $2,500 80% $10,000 $0 No
(discounts are available) 		No 80%
to $200 		Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
Catastrophic HMO $2,500 70% $6,000 $0 No No 100%* Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
                         
$3,400 and $5,000 Deductible Plans          

 

Monthly Rate Carrier Plan Name Plan Type Annual Deductible Network Benefit Out-of-Pocket Maximum Office Visit Copay Prescription Drugs Maternity Preventive Care Vision Exam and Hardware More Information
(click on links below)
Share MSA Family Plan PPO $3,400
per family 		80% $6,050 per family (includes deductible) $0 No No No No Provider Directory
Benefit Summary
Apply Here!
Share MSA Family Plan PPO $5,000
per family 		80% $6,050 per family (includes deductible) $0 No No No No Provider Directory
Benefit Summary
Apply Here!
Share
Preferred 		PPO $5,000 70% $6,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		No No No Provider Directory
Benefit Summary
Apply Here!
Share
Traditional 		Tradi-tional $5,000 70% $6,000 $0 $500 deductible
20%/30%/50%
$5,000/year 		No No No Provider Directory
Benefit Summary
Apply Here!
Sound Harbor Essential PPO $5,000 80% $20,000 $0 No
(discounts are available) 		No 80%
to $200 		Exam: Yes
Hardware: No 		Provider Directory
Benefit Summary
Apply Here!
Catastrophic HMO $5,000 70% $10,000 $0 No No 100%* Exam: Yes
Hardware: No		 Provider Directory
Benefit Summary
Apply Here!
                         
Important Information About This Comparison          
Please note that this Benefit Comparison is a brief summary of benefits; it is not a contract or a certificate of coverage. The complete terms of coverage are determined by the carriers' contracts. While we have accurately represented the information in this Benefit Comparison as of the time it was published, should any discrepancies exist between this Benefit Comparison and the carriers' contracts, the carriers' contracts shall prevail. Please refer to the carriers' contracts for a complete statement of benefits including waiting periods, limitations and exclusions.
                         
Important Rate Information              

 

LifeWise Health Plan of Washington (rates are valid for effective dates of February 1, March 1 and April 1, 2004)
Rates are guaranteed for a period of 12 months, provided the contract remains continuously in effect within that year, with the following exceptions:
  a) Change in the number of enrolled dependents;
b) A birthday moves a plan member to a new age range;
c) If any federal, state or local authority mandates a change in benefits, or other provisions, or imposes a tax on
LifeWise Health Plan of Washington's revenues; or,
d) The basis on which LifeWise assumed the risk changes.
The Share MSA Individual $1,700 and $2,500 deductible plans are available to applicants enrolling themselves only, i.e., a single person.
                         
The Share MSA Family $3,400 and $5,000 deductible plans are available only to applicants enrolling themselves and at least one other family member, e.g., applicant and spouse, applicant and child(ren), applicant and family.
                         
Regence BlueShield and Asuris Northwest Health (rates are valid for effective dates of January 1, 2004 through December 1, 2004 and are subject to change effective January 1, 2005)
Rates for you (and your spouse if applicable) are based on the age of each applicant. An increase in age to the next higher age range will increase your rate without any further notice from Regence BlueShield or Asuris Northwest Health.

To qualify for the non-smoker rates, you and your spouse must not have smoked cigarettes, cigars, pipes or used chewing tobacco, smokeless tobacco or any other form of tobacco or illegal drug substances within the past 12 months.

Families with one child pay only the 1 child rate. Families with two or more children pay only the 2 or more children rate.

Rates are subject to change if there is a change in the number of enrolled dependents, if any federal, state or local authority mandates a change in benefits, or other provisions, or imposes a tax on Regence BlueShield or Asuris Northwest Health revenues, or the basis on which Regence BlueShield or Asuris Northwest Health assumed the risk changes.
                         
KPS Health Plans (rates are valid for effective dates of March 1, 2003 through February 1, 2004 and are subject to change effective March 1, 2004)
Rates are determined by the Subscriber's age. If a spouse is (or will be) in an older, more expensive price bracket, it is to your advantage to enroll the younger spouse as the Subscriber, then add the same amount for spouse and additional amount for each child. Rates will be adjusted the following month after the Subscriber moves into a new age category. If only one of you qualifies for the non-smoker rates, it may be to your advantage to enroll under separate contracts.

KPS retains the right to modify monthly rates on any due date as required following enactment of legislation, which increases the liability of KPS by rendering void any contract terms and/or requires providing additional benefits.
                         
Group Health Cooperative (rates are valid for effective dates of April 1, 2003 through March 1, 2004 and are subject to change effective April 1, 2004)
Rates for you (and your spouse if applicable) are based on the age of each applicant. An increase in age to the next higher age range will increase your rate without any further notice from Group Health Cooperative.

To qualify for the non-smoker rates, you and your spouse must not have smoked cigarettes, cigars, pipes or used chewing tobacco, smokeless tobacco or any other form of tobacco or illegal drug substances within the past 12 months.

Rates are subject to change if there is a change in the number of enrolled dependents, if any federal, state or local authority mandates a change in benefits, or other provisions, or imposes a tax on Group Health Cooperative revenues, or the basis on which Group Health Cooperative assumed the risk changes.


   

                         
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