
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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