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Individual
medical coverage 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.
The
Instant
Medical Rates link
provides a
side-by-side comparison of
benefits and
rates for all individual medical plans we offer.
If you have a need for only temporary coverage (30 to 185 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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*We also offer
individual plans from Premera Blue Cross, however, at this
time we have found them to be uncompetitive, so have chosen not
to provide information on this web site. If you are interested in
Premera Blue Cross plans, please contact us. |
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LifeWise Health Plan of Washington
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Available to residents of all 39 Washington State counties
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All plans are
traditional or
Preferred Provider (PPO) plans, so
no
Primary Care Physician (PCP) is needed and no referrals are
required
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Largest choice of
providers (click
here for provider directory)
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Deductibles: $500,
$1,000, $2,500, $5,000 or $10,000
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HSA (Health
Savings Account) plans available with $1,700 or
$2,500 individual deductible, and $3,400 or $5,000 family deductible
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80% or 70% coverage
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Preventive Care
covered at 100%, not subject to the deductible ($500 and $1,000
deductible plans)
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Prescription drugs
covered in most plans (subject to a separate deductible)
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Maternity covered ($500 and $1,000 deductible
plans)
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Vision exam and
eyewear covered ($500 and $1,000 deductible plans)
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Worldwide coverage
– 50% coverage outside Washington State (except in case of emergency)
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Click
here
to examine LifeWise's plans
in detail: eligibility, benefits, rates, limitations and exclusions.
Regence BlueShield
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Available to residents of 22 Washington State counties (click
here
to see where offered).
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PPO and
Point of Service
(POS) plans
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Large choice of
providers
(click
here for provider directory)
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Deductibles: $500,
$750, $1,000 or $1,500
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80% coverage
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Preventive Care
covered at 100%, not subject to the deductible (all plans except
$1,500 deductible)
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Prescription drugs
covered, not subject to the deductible (all plans except $1,500 deductible)
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Maternity covered (all plans except $1,500 deductible)
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Vision exam and
eyewear covered ($750 deductible plan)
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Worldwide coverage – 80% coverage in the USA if using a PPO provider of
the local Blue Cross/Blue Shield plan; 80% outside the USA in case of
emergency
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Click
here
to examine Regence BlueShield’s plans
in detail: eligibility,
benefits, rates, limitations and exclusions.
Asuris Northwest Health
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Available to residents of 16 eastern Washington State counties (click
here
to see where offered).
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PPO plans
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Large choice of
providers
(click
here for provider directory)
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Deductibles: $750 or $1,500
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80% coverage
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Preventive Care
covered at 100%, not subject to the deductible ($750 deductible plan
only)
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Prescription drugs
covered, not subject to the deductible ($750 deductible plan only)
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Maternity covered ($750
deductible plan only)
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Vision exam and
eyewear covered ($750 deductible plan only)
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Worldwide coverage – 80%
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Click
here
to examine
Asuris Northwest Health’s plans
in detail: eligibility,
benefits, rates, limitations and exclusions.
KPS Health Plans
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Available to residents of 8 western Washington State
counties (click
here
to see where offered).
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All
plans are
PPO plans
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Large
choice of providers
(click
here
for provider directory)
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Deductibles: $500, $1,500, $2,500 or $5,000
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80%
coverage
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Preventive Care covered in all plans at 100% ($500 deductible) or 80%
($1,500 or higher deductible plans)
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Prescription drugs covered in $500 deductible plan; other plans have
discounts available at participating pharmacies
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Maternity covered ($500 deductible plan)
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Vision exam covered
as part of Preventive Care benefit in all plans; eyewear also covered in
$500 deductible plan
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Worldwide coverage in the case of an emergency
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Click
here
to examine
KPS
Health Plans's
plans in detail:
eligibility,
benefits, rates, limitations and exclusions.
Group Health
Cooperative
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Available to residents of 18 Washington State
counties (click
here
to see where offered).
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All
plans are
HMO plans
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Must
use Group Health Cooperative providers
(click
here
for provider directory)
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Deductibles:
$500, $1,000, $1,500, $2,500 or $5,000
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80%
coverage ($500 to $1,500 deductible) or 70% coverage ($2,500 and $5,000 deductible)
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Preventive Care covered in all plans at 100% (not subject to the
deductible)
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Prescription drugs
covered (not subject to the deductible) in $500 and $1,000 deductible
plans
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Maternity covered in $500 and $1,000 deductible plans
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Vision
exam covered in all plans; no eyewear coverage
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Worldwide coverage in the case of an emergency
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Click
here
to examine
Group
Health Cooperative's
plans in detail:
eligibility,
benefits, rates, limitations and exclusions.
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