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BenefitsNW.com a Website of Benefits NW, Inc.
Washington Individual Health Insurance Plans FAQ
Robert S. Mori, CPA, President 7429 East Heather Way, Everett, WA 98203-542424
Tel.(425) 353-9763 Toll-free (877) 455-7591 Greater Seattle (206) 965-9609 Fax (425) 353-0899
Washington Individual Health Insurance Plans FAQ
This is a list of real questions and answers that we have received and given. We never disclose the source of these questions.
Question: Thank you for your information. I am currently with Regence Blue Shield and I am paying $618 a month with a $750 deductable. It is way to much money to pay every month since I pretty much only go for my annual exam once a year (so far). This is why I am looking into a lower monthly payment.
Answer: You didn't mention your
age so I don't have a quote, however the Lifewise Health Plan of
WA (Premera Blue
Cross affiliate) Wise essentials 25 has been popular with
my clients to reduce costs. The rates range from $87/month on
up for this Washington individual health insurance plan depending on age. This is a $2 million
catastrophic plan.
What people like is that this plan gives
you 6 office visits each year including diagnostics, labs and
xrays covered at 75% without meeting the deductible. One of
the 6 visits can be for preventive care including a mammogram.
You also get 12 chiropractic visits and 12 accupuncture visits
for $25 each every year. You also get a discount Rx card that
gives you about 30-40% discount. I also recommend getting a
second free discount prescription card at my website.
If you go into the emergency room or into
the hospital, you are subject to a $1,750 deductible and after
that the plan pays 75%. So you pay 25% up to a maximum of
$5,000. The out of pocket maximum in a given year is the sum so
it is $6,750 before the plan pays 100% for covered expenses in a
year.
Also although this is a 75% plan, with the
Lifewise-Premera discount by using one of their many preferred
providers, really it becomes an 80-85% plan.
Please call me for a quote and we can talk
about this or many other plans. Or you can go here to sign up
online for LIfewise and the extra free discount RX card:
http://benefitsnw.com/online-wa-state.htm