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Washington State Health, Dental, Life and Disability Insurance
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206.442.1111 or 1.866.369.6700
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Individual Health Insurance Rates & Benefits
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Before
continuing,
first click
here to see which plans are
available where you live. |
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Applicant:
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Spouse:
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*KPS Health Plans Spouse:
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Number of Children:
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*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.
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Want details? Click on any underlined word, phrase or carrier
name. Plans are shown in order of lowest to highest deductible.
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The annual deductible applies to all health care services and supplies except those marked with *
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View "Important Information About This Comparison" by clicking
here.
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$500 and $750 Deductible Plans
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Monthly Rate
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Carrier
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Plan Name
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Plan Type
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Annual
Deductible
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Network Benefit
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Out-of-Pocket Maximum
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Office Visit Copay
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Prescription Drugs
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Maternity
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Preventive Care
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Vision
Exam and
Hardware
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More Information (click on links below)
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Preferred80
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PPO
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$500
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80%
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$2,000
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$0 |
$200 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$300 |
Exam: Yes
Hardware: Yes |
Provider Directory
Benefit Summary
Apply Here!
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Choice80
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Tradi-tional |
$500
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80%
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$2,000
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$0
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$200 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$300
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Exam: Yes
Hardware: Yes |
Provider Directory
Benefit Summary
Apply Here!
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Preferred70
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PPO
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$500
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70%
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$3,000
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$0
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$500 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$200
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Exam: Yes
Hardware: Yes
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Provider Directory
Benefit Summary
Apply Here!
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Choice70
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Tradi-tional
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$500
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70%
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$3,000
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$0
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$500 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$200
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Exam: Yes
Hardware: Yes |
Provider Directory
Benefit Summary
Apply Here!
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Selections® Comprehensive
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POS
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$500
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80%
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$2,000
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$15
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$0 deductible 50%/50%/0% $2,000/year
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Yes
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100%* to
$200
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No (discounts are
available)
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Provider Directory
Benefit Summary
Apply Here!
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Sound Harbor Classic
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PPO
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$500
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80%
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$5,000
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$0 |
Common deduc $10/$30/50% $2,000/year
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Yes
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100%* to
$250
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Exam:
Yes
Hardware:
Yes
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Provider Directory
Benefit Summary
Apply Here!
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Comprehensive
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HMO
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$500
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80%
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$2,000
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$0 |
$0 deductible 20%/40%/0% $2,000/year
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Yes
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100%*
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Exam:
Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here!
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Preferred Comprehensive
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PPO
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$750
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80%
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$2,000
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$0 |
$0 deductible 50%/50%/0% $2,000/year
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Yes
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100%* to
$300
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Exam: Yes
Hardware:
Yes
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Provider Directory
Benefit Summary
Apply Here!
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Preferred Comprehensive
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PPO
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$750
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80%
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$2,000
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$0 |
$0 deductible 50%/50%/0% $2,000/year
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Yes
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100%* to
$300
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Exam:
Yes
Hardware:
Yes
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Provider Directory
Benefit Summary
Apply Here! |
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$1,000 Deductible Plans
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Monthly Rate
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Carrier
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Plan Name
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Plan Type
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Annual
Deductible
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Network Benefit
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Out-of-Pocket Maximum
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Office Visit Copay
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Prescription Drugs
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Maternity
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Preventive Care
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Vision
Exam and
Hardware
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More Information (click on links below)
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Preferred80
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PPO
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$1,000
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80%
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$2,000
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$0 |
$200 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$300 |
Exam: Yes
Hardware: Yes
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Provider Directory
Benefit Summary
Apply Here! |
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Choice80
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Tradi-tional
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$1,000
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80%
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$2,000
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$0 |
$200 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$300
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Exam: Yes
Hardware: Yes
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Provider Directory
Benefit Summary
Apply Here! |
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Preferred70
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PPO
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$1,000
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70%
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$3,000
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$0
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$500 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$200
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Exam: Yes
Hardware: Yes
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Provider Directory
Benefit Summary
Apply Here! |
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Choice70
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Tradi-tional
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$1,000
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70%
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$3,000
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$0 |
$500 deductible 20%/30%/50% $5,000/year
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Yes
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100%* to
$200
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Exam: Yes
Hardware: Yes
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Provider Directory
Benefit Summary
Apply Here!
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Selections® Comprehensive
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POS
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$1,000
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80%
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$2,000
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$15
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$0 deductible 50%/50%/0% $2,000/year
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Yes
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100%* to
$200
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No (discounts are
available)
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Provider Directory
Benefit Summary
Apply Here! |
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Comprehensive
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HMO
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$1,000
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80%
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$2,000
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$0
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$0 deductible 20%/40%/0% $2,000/year
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Yes
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100%* |
Exam:
Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here!
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$1,500 Deductible Plans
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Monthly Rate
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Carrier
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Plan Name
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Plan Type
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Annual
Deductible
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Network Benefit
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Out-of-Pocket Maximum
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Office Visit Copay
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Prescription Drugs
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Maternity
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Preventive Care
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Vision
Exam and
Hardware
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More Information (click on links below)
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Selections® Catastrophic
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POS
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$1,500
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80%
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$3,000
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$15
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No
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No
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None
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No (discounts are
available) |
Provider Directory
Benefit Summary
Apply Here!
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Preferred Catastrophic
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PPO
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$1,500
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80%
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$3,000
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$0 |
No |
No
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None
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No (discounts are
available)
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Provider Directory
Benefit Summary
Apply Here!
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Preferred Catastrophic
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PPO
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$1,500
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80%
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$3,000
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$0 |
No |
No
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None
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No (discounts are
available)
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Provider Directory
Benefit Summary
Apply Here!
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Sound Harbor Essential
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PPO
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$1,500
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80%
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$6,000
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$0 |
No (discounts
are available)
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No
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80% to
$200
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Exam: Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here! |
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Catastrophic
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HMO
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$1,500
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80%
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$4,000
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$0 |
No |
No
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100%*
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Exam:
Yes
Hardware: No |
Provider Directory
Benefit Summary
Apply Here! |
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$1,700 and $2,500 Deductible Plans
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Monthly Rate
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Carrier
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Plan Name
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Plan Type
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Annual
Deductible
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Network Benefit
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Out-of-Pocket Maximum
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Office Visit Copay
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Prescription Drugs
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Maternity
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Preventive Care
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Vision
Exam and
Hardware
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More Information (click on links below)
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Share MSA Individual Plan
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PPO
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1,700
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80%
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$3,300 (includes deductible)
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$0 |
No |
No
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No |
No |
Provider Directory
Benefit Summary
Apply Here! |
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Share MSA Individual Plan
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PPO
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2,500
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80%
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$3,300 (includes deductible)
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$0 |
No |
No
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No |
No |
Provider Directory
Benefit Summary
Apply Here! |
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Share Preferred
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PPO
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$2,500
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70%
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$6,000
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$0 |
$500 deductible 20%/30%/50% $5,000/year
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No
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No |
No |
Provider Directory
Benefit Summary
Apply Here! |
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Share Traditional
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Tradi-tional |
$2,500
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70%
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$6,000
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$0 |
$500 deductible 20%/30%/50% $5,000/year
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No
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No |
No |
Provider Directory
Benefit Summary
Apply Here!
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Sound Harbor Essential
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PPO
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$2,500
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80%
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$10,000
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$0 |
No (discounts
are available)
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No
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80% to
$200
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Exam: Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here!
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Catastrophic
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HMO
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$2,500
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70%
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$6,000
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$0 |
No |
No
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100%*
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Exam:
Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here! |
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$3,400 and $5,000 Deductible Plans
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Monthly Rate
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Carrier
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Plan Name
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Plan Type
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Annual
Deductible
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Network Benefit
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Out-of-Pocket Maximum
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Office Visit Copay
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Prescription Drugs
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Maternity
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Preventive Care
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Vision
Exam and
Hardware
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More Information (click on links below)
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Share MSA Family Plan
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PPO
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$3,400 per family
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80%
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$6,050 per family (includes deductible)
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$0 |
No |
No
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No |
No |
Provider Directory
Benefit Summary
Apply Here! |
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Share MSA Family Plan
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PPO
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$5,000 per family
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80%
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$6,050 per family (includes deductible)
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$0 |
No |
No
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No |
No |
Provider Directory
Benefit Summary
Apply Here!
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Share Preferred
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PPO
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$5,000
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70%
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$6,000
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$0 |
$500 deductible 20%/30%/50% $5,000/year
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No
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No |
No |
Provider Directory
Benefit Summary
Apply Here! |
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Share Traditional
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Tradi-tional |
$5,000
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70%
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$6,000
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$0 |
$500 deductible 20%/30%/50% $5,000/year
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No
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No |
No |
Provider Directory
Benefit Summary
Apply Here!
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Sound Harbor Essential
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PPO
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$5,000
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80%
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$20,000
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$0 |
No (discounts
are available)
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No
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80% to
$200
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Exam: Yes
Hardware: No
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Provider Directory
Benefit Summary
Apply Here! |
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Catastrophic
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HMO
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$5,000
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70%
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$10,000
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$0 |
No |
No
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100%*
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Exam:
Yes
Hardware: No |
Provider Directory
Benefit Summary
Apply Here!
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Important Information About This Comparison
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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.
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Important Rate Information
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LifeWise Health Plan of Washington
(rates are valid for effective dates of
February 1, March 1 and April 1, 2004)
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Rates are guaranteed for a period of 12 months, provided the contract remains continuously in effect within that year, with the following exceptions:
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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.
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The Share MSA Individual $1,700 and $2,500 deductible plans are available to applicants enrolling themselves only, i.e., a single person.
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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.
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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)
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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.
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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)
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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.
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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)
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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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Copyright © 2000-2004 Compass Consulting Group, LLC, a licensed Washington State insurance agency located at 1201 1st Avenue South, Suite 322, Seattle, Washington 98134-1234
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