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Individual Health Plans - WA State
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Green Financial
425-821-1111 or 800-877-8019
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Zip
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Your
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Gender
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Smoker
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Spouse
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Spouse
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# of
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Effective
Date
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Code
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Age
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Age
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Smoker
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Children
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Lifewise Health Plan of WA
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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Details
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Maximum
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Premium
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(ren)
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Total
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35% - $6500
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$
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$
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$
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1
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Essentials Rx (6 visits, no
deduct.)
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$1,880
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25% - $5000
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$
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$
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$
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Popular
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Essentials Rx (6 visits, no
deduct.)
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$2,500
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25% - $5000
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$
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Great Value
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Essentials Rx (6 visits, no
deduct.)
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$3,500
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25% - $5000
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$
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$
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$
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Essentials $25 Copay (3
visits)
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$5,000
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25% - $5000
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$
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$
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Essentials $25 Copay (3
visits)
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$7,500
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25% - $5000
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$
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$
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$
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Simplicity, 100% after
Deductible
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$10,000
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100%
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$
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$
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$
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2
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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Details
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Very Popular Carrier
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Maximum
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Premium
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(ren)
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Total
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$1000
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20% - $5500
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$
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$2500
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20% - $5500
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$5000
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20% - $5500
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$
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$
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$7500
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20% - $5500
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$
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$
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$
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$2500
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30% - $7500
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$
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$
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$
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Great Value
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$5000
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30% - $7500
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$
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$
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$
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$7500
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30% - $7500
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$
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$
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$
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$10,000
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30% - $7500
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$
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$
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$
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>>>
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$
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$
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$
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Best HSA Value
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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Details
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Maximum
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Premium
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(ren)
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Total
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3
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$750
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20% - $4000
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$
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$
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$
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$2000
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40% - $6000
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$
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$
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$
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$3500
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50% - $10000
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$
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$
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$
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4
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$1750
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20% - $6000
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$
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$
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$
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$2500
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40% - $8000
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$
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$
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$
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$5000
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50% - $10000
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$
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$
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$
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5
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Premera Blue Cross
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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Details
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(not competitive at
this time)
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Maximum
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Premium
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(ren)
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Total
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Heritage Preferred Plus 30
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$500
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30% - $3000
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$
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$
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$
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$
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Heritage Preferred Plus 20
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$500
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20% - $1500
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$
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$
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$
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$
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6
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Health Savings Accounts (HSA)
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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HSA Info
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Preventive at 100% on all plans
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Maximum
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Premium
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(ren)
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Total
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Lifewise (HSA)
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$1,880
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20% - $2500
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$
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$
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$
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$
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Group Health Options (HSA)
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$2,750
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20% - $2350
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$
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$
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$
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$
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Lifewise (HSA)
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$3,000
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20% - $1750
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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$
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Best HSA Value
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Assurant Health Temporary Plan
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Deductible
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Coinsurance
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Your
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Spouse
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Child
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Monthly
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Details
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(In-between jobs, college graduates, etc.)
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Maximum
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Premium
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(ren)
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Total
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30 Days of Coverage
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$1000
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20% - $2000
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$
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$
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$
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$
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If between jobs or
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30 Days of Coverage
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$2500
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20% - $2000
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$
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$
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$
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$
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other temp need
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Individual Dental Plan Premium Comparison
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Maximum
Benefit
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Dental
Plan
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Details
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8
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Dental Health Services-Smart
Smile
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no max, copay only
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$0
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$
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Must Change Dentist
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9
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$750-$1500
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$50
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$
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Refer
to Rate Sheet
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$750
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$0
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$
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Simplified Term Life Insurance
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United of Omaha -Term Life
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Amount
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Term
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Your Premium
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Spouse
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Simplified Underwriting, No
Exam!
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Call For
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Simplified Underwriting, No
Exam!
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Enrollment
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(Press "Process" at
top of screen if changing Amount or Term)
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Comments
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Maternity: Only the following plans include maternity:
Lifewise $1800, All Regence Evolve Plus plans, Group Health Welcome $750,
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and
the Group Health Balance $1750 plan.
Keep in mind, husband and wife do not need to be on the same plan.
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Credible Coverage: This may affect pre-existing condition
waiting periods (see link below to pre-existing conditions for details).
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Only
these plans qualify: Lifewise
Advantage $1800, Regence Evolve Plus
$1000, Group Health Welcome $750 and Balance $1750.
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1
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Lifewise
(a Premera subsidiary) is the leader in catastrophic plans. WiseEssentials Rx is for those in good
health
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looking
for value. Although the deductible is
high, it's waived for the first six office visits per person per year, you
only
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pay
the 25% coinsurance for those visits.
Chiropractic and Acupuncture is covered for only a $25 copay. Preventive care
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is
covered and there is a $15 copay for generic prescription drugs (discounts
for non-generics). In Washington, the
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Premera
Blue Cross provider list is identical to the Lifewise Provider list. Lifewise is the Premera brand for
individual plans.
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2
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Regence
BlueShield is expected to have a minor rate increase on March 1st of about
1.5%. Regence HSA-50 is best overall
value.
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3
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The
Welcome Plans require you
only use Group Health Cooperative providers.
There are no out-of-network benefits.
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4
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The
Balance Plans benefits are
best in-network which includes GHC, Virginia Mason, The Everett Clinic and
others. Although
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you
are allowed to go out of network, benefits are substantially reduced.
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5
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Premera
Blue Cross is a popular group carrier in Washington and has a long history of
marketing individual plans.
However,
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several
years ago they started Lifewise of Washington as an outlet for their
individual products. Lifewise
employees are Premera
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employees,
the doctor network is identical, and other than branding, there is little
difference between the two.
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Premera
has no interest in promoting this product but if an individual wants to pay
an outrageous price for a "name", they can.
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6
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Health
Savings Accounts (HSA) are a terrific option for those in good health seeking
tax deductions. There are two parts
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that
make up these plans, a high deductible HSA health plan (quoted above) and a
savings account that works like an IRA.
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HSA
plans have proven to be the best value for those looking for tax-advantaged
plans.
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See our HSA section for more
details.
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8
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Smart
Smile is a scheduled benefit plan meaning you simply pay a predetermind copay
for each procedure. For example, $10
for
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an
office visit, $400 for a crown. Unlike
the other dental plans, there is no waiting period for any services. The downside is you
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must
choose from their very small list of dentists (Seattle: 12, Kirkland: 2,
Bellevue: 12, Auburn: 1, E. WA: 0, Tacoma: 6, etc.)
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Your
dentist won't be on the list. If you
are new to the area or don't mind changing dentists, then this plan may work
for you.
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9
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The
Regence dental plans are only available as a rider on the Regence medical.
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Get the
Free Kit with Brochures and Applications
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Email us with
questions
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Individual Medical Plans - Home
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Group Medical Plans (3+ employees)
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Individual Dental Plans
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Group Dental Plans (2+ employees)
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The above represents the most common choices, however
additional plans are available. Refer
to plan summaries for complete benefit details. Family members can choose different carriers
and plans. Final rates are dependent
on the requested effective date of coverage, ages of adults, and number of
family members to be covered. The
insurance carriers reserve the right to change the premiums at any time,
however, changes ordinarily occur only annually; October 1st for Regence and
Asuris, July 1st for Group Health Coop and January 1st for Lifewise. All medical plans quoted, except Assurant,
require each applicant to qualify using the Washington State Standard Health
Questionnaire. Applicants are also
subject to a pre-existing condition waiting period unless waived due to qualifying
prior coverage. Due to regulatory
reasons, rates are the same regardless of agent or broker used. Green
Financial specializes only in the Washington market and is the recommended
Broker of the WAHealth.org network.
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More info on pre-existing
condition waiting periods and the Washington State Standard Health
Questionnaire
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Call if Questions or to Receive Free Enrollment Kit (or
simply enroll online)
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GreenFinancial.com
425-821-1111 or 800-877-8019
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©
Copyright 2001-2012, Green Financial, All Rights Reserved
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