Health Plans for Individuals and Families                       

LifeWise offers a variety of individual and family health plans designed to meet your specific needs. The plans can be divided into three categories: WiseChoices Prime (Comprehensive), WiseEssentials Rx, WiseEssentials Copay & WiseSimplicity (Catastrophic) and WiseSavings (HSAs).

WiseChoices Prime (Comprehensive):   This plan provides you with the most coverage (including pharmacy, mammography, maternity care and vision).  Preventive Care Exams are a $30 copay only - deductible waived! Preventive screenings and immunizations are covered in full! These plans also include $30 office visit copays - deductible waived! These plans are designed for those looking to cover all their bases.

WiseEssentials Rx & WiseEssentials Copay (Catastrophic):  High deductible plans designed for those looking to cover major medical. These plans offer 6 annual office visits paid at 75% (deductible waived) and coverage for generic prescriptions - $15 copay!  WiseEssentials Copay is similar to WiseEssentials Rx, but offers higher annual deductibles and covers the first three office visits with a $25 copay, and does not have prescription coverage.

WiseSimplicity (Catastrophic):  This plan offers the highest deductible and is designed for those looking to keep their monthly rate low and are willing to pay more out-of-pocket.  Preventive Care is covered at 100% - deductible waived! 

WiseSavings (HSAs):     High deductible plan combined with an optional health savings account - tremendous tax benefits. Preventive care not subject to the deductible!

Some of the highlights for all plans include:

• Huge Choice of Physicians (Nearly every doctor and facility in WA and nationwide coverage using the PHCS/Multiplan network)
      Not a gatekeeper type plan! (No referrals required to see Specialists)
  
• On-the-Job Coverage - If not covered by WA State L&I
  
• $2 Million Maximum per Person
  
• No Claim Forms!
  
• Coverage for Chiropractic, Naturopath, and Acupuncture Services
  
• Very Competitive Premiums
  

Of all the plans LifeWise has to offer, by far the most popular are Health Savings Accounts (HSA) and the WiseEssentials Rx $1850 deductible plan.

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