Qualified Health Plans Selected
The following insurance carriers
were approved to sell health plans through Washington Healthplanfinder:
BridgeSpan – King, Kitsap, Pierce, Skagit, Snohomish, Thurston, and Spokane
Community Health Plan of Washington – Adams, Benton, Chelan, Clark, Cowlitz, Douglas, Ferry, Franklin, Grant, Grays Harbor, King, Kitsap, Lewis, Okanogan, Pacific, Pend Oreille, Pierce, Skagit, Snohomish, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Yakima
Coordinated Care – Adams, Benton, Chelan, Douglas, Franklin, Grant, Grays Harbor, Jefferson, King, Kitsap, Mason, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Yakima
Group Health Cooperative – Benton, Columbia, Franklin, Island, King, Kitsap, Kittitas, Lewis, Mason, Pierce, San Juan, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Whatcom, Whitman, and Yakima
LifeWise Health Plan of Washington – All 39 counties
Molina Health Care of Washington – King, Pierce and Spokane
Premera Blue Cross – All counties except Clark
Kaiser Foundation Health Plan of the Northwest– Clark and
Cowlitz (Small Business and Individual Market)
Delta Dental of Washington, Kaiser Foundation Health Plan of the Northwest, LifeWise, Premera Blue Cross – All 39 counties (Pediatric Dental Only)
These health plans have been certified to meet state and federal requirements for health plans as well as standards developed by Washington Healthplanfinder.
Standard Plan Benefits
Starting in 2014, all health insurance plans are required to provide a certain level of standard benefits known as Essential Health Benefits. The federal Affordable Care requires that all health plans offered in the individual and small group markets must provide these items and services. These benefits fit into the following 10 categories:
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services, including behavioral health treatment
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including dental and vision care
Levels of Coverage
Washington Healthplanfinder will allow shoppers to find a plan that fits their needs and their budget by offering side-by-side comparisons of health plans based on a variety of factors such as cost, quality and physician networks. Plan options will be broken down into metal tiers including Gold, Silver and Bronze based on the level of coverage they provide:
Gold Plans: Gold plans cover 80 percent of the cost of essential health benefits, while the patient pays 20 percent.
Silver Plans: Silver plans cover 70 percent of the cost of essential health benefits, while the patient pays 30 percent.
Bronze Plans: Bronze plans cover 60 percent of the cost of essential health benefits, while the patient pay 40 percent.
All plans on Washington Healthplanfinder will have new limits on out-of-pocket costs, including deductibles and co-payments, of $6,350 for an individual and $12,700 for a family.
"A "catastrophic" plan will also be offered. This is a type of health care plan only available through Washington Healthplanfinder for individuals under age 30. This type of plan generally offers the least coverage with the lowest monthly premiums.