individual sales brochure outside the exchange
TRANSCRIPT
-
Washington Individuals and Families
1.1.2016
Find the right plan for you and your budgetHere for your health
-
2 | LifeWise Health Plan of Washington
For help choosing and enrolling in a plan
844-LIFEWISE (844-543-3947)
-
3
We have a plan that fits youLifeWise offers you a choice of regional providers and a cost that fits your budget.
LifeWise plans cover the benefits you need from the local doctors, pharmacies, and hospitals you know. Your plan also includes discounts, tools, and wellness programs. And youre not paying for a lot of features you dont use.
Were here to walk you through the process of choosing and enrolling in a plan, making sure you understand all your options and what youre getting. We can help you figure out if youre eligible for help paying for your plana subsidyand enroll you through Washington Healthplanfinder if you are.
Make sure youve got the documents you need handy, then give us a call at 844-LIFEWISE. The whole process can be as easy as one phone conversation. Of course, were also happy to give you all the time you need to make the right choice.
Welcome to LifeWise Health Plan of Washington.
LifeWise is dedicated to offering you the right size plan to support your health and your budget, at every stage of your life. Our streamlined plans empower you to control how healthcare works for you and those you care for.
We are ready to help you understand your options every step of the way.
Thank you for considering LifeWise. We welcome the opportunity to be your health support partner.
Jim HavensPresident & CEOLifeWise Health Plan of Washington
-
4 | LifeWise Health Plan of Washington
Which doctors you can see The provider network
LifeWise offers exclusive provider organization (EPO) plans, which cover the cost of care from in-network doctors, pharmacies, hospitals, and other care providers in Washington, Oregon, or Alaska. You can also get covered care from in-network providers without a referral. These plans cover care only from in-network providers, unless you have a medical emergency.
What you get for your moneyThe benefits
Our plans cover recommended preventive care at no cost to you, plus office visits (unlimited visits before deductible), urgent and emergency care, prescription drugs, lab tests, maternity and newborn care, hospitalization, mental health care, and more.
All of our plans offer access to virtual care, so you can consult with a doctor anytime by phone or online videofor only a $15 copay per visit (except HSA plans, which do not use copays). You also have free access to the 24-Hour NurseLine for advice anytime day or night.
For some plans, when you select a primary care doctor and tell us about it, your primary visit copay is lower. In addition, your first two visits to this provider are covered in full.
For your primary care provider, you can choose a family medicine doctor, but also a naturopath or physicians assistant, nurse practitioner, pediatrician or geriatric specialist, or several other specialties. The Find a Doctor tool will tell you whether a particular provider is eligible as a primary care provider.
Take an online health assessment by June 30, 2016 and earn a $30 reward.
Consider these factors when choosing a health plan1
step
In addition to the essential benefits, all LifeWise medical plans include discounts on other health options that you might like.
Gym And Fitness Club Memberships
Diet And Nutrition Products
Alternative Care
Find a Doctor
If you already have a doctor or go to certain pharmacies or hospitals, use the Find a Doctor tool on lifewisewa.com to see if they are in the LifeWise Connect provider network.
Check your medication coverage
If you take prescription medications, check coverage at lifewisewa.com. Select Pharmacy, then click Rx Search to see if your medication is covered by the X1 formulary. Your share of the cost for prescriptions varies depending on whether the medication is a generic, brand-name, or specialty drug.
-
5
Plan generally covers this percentage of your healthcare costs
80% 70% 60%
Monthly premiums Higher Medium Lower
Your share of costs for medical care (deductible, copay, coinsurance)
Lower Medium Higher
Out-of-pocket maximum Lower Medium Higher
Good fit if you... Expect to need care frequently
May need care sometimes
Are healthy and expect to need little care
Gold Plans Silver Plans Bronze Plans
How much it costs youMonthly premiums and cost shares
Monthly payments. Premiums are due monthly, similar to your car or home insurance.
Paying when you get care. When you see a doctor or get other medical care, you pay a share of the cost and your health plan pays the rest. Your share includes deductibles, copays, and coinsurance.
Another important cost to pay attention to is your out-of-pocket maximumthe most youll pay in a year for covered healthcare services.
For more details about these terms, see page 15.
Cost levelsabout the metallics. LifeWise plans are available at different levelsbronze, silver, and goldso you can pick the one that best meets your needs. These levels refer only to the costs of the plans, not the quality. In most cases, they cover the same benefits.
You May Be Eligible For A Subsidy
Depending on your household income, you may be eligible for a subsidy to help pay for your health coverage. In Washington, as many as half of the individuals enrolling in health plans are eligible for a subsidy.
We can help you find out if you qualify for a subsidy and even apply through Washington Healthplanfinder. Call 844-LIFEWISE.
-
6 | LifeWise Health Plan of Washington
2step
Choose the LifeWise plan thats right for you
For More Information
For help selecting a plan and enrolling, call 844-LIFEWISE (844-543-3947)
LifeWise Health Plan of Washington offers several different plans, available at different cost levelsbronze, silver, and gold. Most LifeWise plans are exclusive provider organization (EPO) plans, but one is a preferred provider organization (PPO) plan. Both types of plan cover the same benefits.
Whats the difference between EPO plans and PPO plans?
EPO plans offer you care from in-network providers and hospitals in Washington, Oregon, and Alaska. PPO plans offer you care in and out of network, but you pay more out of network. Also, PPO plan premiums are higher.
EPOs with a health savings account (HSA)
Some LifeWise EPO plans can be paired with a health savings account. These plans allow you to set up an account to save and invest your money for future healthcare costs, and they have certain tax advantages. These plans generally have lower premiums, but you usually pay your share upfront.
EPO plans PPO plans
Out-of-network care not covered, except emergencies
Monthly premium $
HSA plans available
Lower copay when you choose a primary care provider (PCP) (except HSA)
You pay more for out-of-network covered care
Monthly premium $$
No HSA plan
Lower copay when you choose a PCP
LifeWise EPO provider networks
LifeWise network in Washington, national network elsewhere in United States
-
7
Get high-quality dental coverage at a great value from the same company you already trust for your medical coverage.
Adult Dental CoverageOur Adult Dental Plan gives you coverage for most preventive and diagnostic, basic and major dental services. Its easy and seamless to add this coverage when you enroll in a medical plan, or any time during the year.
With your medical and dental coverage from one company, you get the convenience of having all your coverage documents and claims records in one place, and one Customer Service team to call if you have questions.
Pediatric dental coverageIf your medical plan will cover dependents 18 or younger, federal law requires you to also purchase a pediatric dental plan, either from LifeWise or another company, at the same time. This coverage is not required if you dont cover any children.
The LifeWise Individual Pediatric Dental Plan provides:
Coverage for most preventive and diagnostic, basic and major dental services
Access to a network of dentists throughout Washington
No waiting period for dental servicesyour child can see a dentist immediately after enrolling
For details about dental benefits, visit lifewisewa.com, click Shop for Plans, and then select Individual Dental Plans.
Consider dental coverage 3step
Why dental health is important
Dental and oral health can offer clues about your overall health, and problems in your mouth can affect the rest of your body.
For details about these plans, visit lifewisewa.com, click Shop for Plans, then select Individual Dental.
-
8 | LifeWise Health Plan of Washington
Essential Gold EPO 1000Washington EPO plan for individuals & familiesBeginning January 1, 2016
This LifeWise EPO plan covers healthcare from providers in the LifeWiseConnect EPO network in Washington, Oregon, and Alaska. This plan also coversemergency care from out-of-network providers. However, you will pay the fullcost of non-emergency care from out-of-network providers. To find doctors andhospitals in the LifeWise Connect EPO network, go to lifewisewa.com and usethe Find a Doctor tool.
Essential Gold EPO 1000
LifeWise Connect network providers
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
Designated PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care (copay waived if directly
admitted to an inpatient facility)
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Preferred brand
Non-preferred brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$1,000
20%
$4,500
Deductible, then 20%
$30 copay, first 2 PCP visits covered in full
$50 copay
$50 copay
$15 copay
$30 copay
$200 copay, then deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
$50 copay
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
X1
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Covered in full
Covered in full
$30 copay
Covered in full
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
027829 (03-2015) LifeWise Health Plan of Washington
-
9
Essential Gold 1500Washington PPO plan for individuals & familiesBeginning January 1, 2016
Essential Gold 1500
LifeWise Connect networkproviders
Non-LifeWise Connect networkproviders
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
(copay x3)
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
Designated PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care (copay waived if directly
admitted to an inpatient facility)
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$1,500 2x individual deductible
20% 50%
$4,500 Unlimited
Deductible, then 20% Deductible, then 50%
$10 copay Deductible, then 50%
$30 copay Deductible, then 50%
$30 copay Deductible, then 50%
$15 copay Not covered
$10 copay Deductible, then 50%
$200 copay, then deductible, then 20% Same as in-network
Deductible, then 20% Same as in-network
Deductible, then 20% Deductible, then 50%
Deductible, then 20% Deductible, then 50%
Deductible, then 20% Deductible, then 50%
$30 copay Deductible, then 50%
Deductible, then 20% Deductible, then 50%
Deductible waived, then 20% Deductible, then 50%
$10 copay Not covered
$35 copay Not covered
Deductible waived, then 20% Not covered
X3
Deductible, then 20% Deductible, then 50%
Deductible, then 20% Deductible, then 50%
Deductible, then 20% Deductible, then 50%
Deductible waived, then 20% Deductible, then 50%
Deductible, then 20% Deductible, then 50%
Covered in full Deductible, then 50%
Covered in full Not covered
$30 copay Same as in-network
Covered in full Same as in-network
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
033823 (06-2015) LifeWise Health Plan of Washington
-
10 | LifeWise Health Plan of Washington
Essential Silver EPO 3000Washington EPO plan for individuals & familiesBeginning January 1, 2016
This LifeWise EPO plan covers healthcare from providers in the LifeWiseConnect EPO network in Washington, Oregon, and Alaska. This plan also coversemergency care from out-of-network providers. However, you will pay the fullcost of non-emergency care from out-of-network providers. To find doctors andhospitals in the LifeWise Connect EPO network, go to lifewisewa.com and usethe Find a Doctor tool.
Essential Silver EPO 3000
LifeWise Connect network providers
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
Designated PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care (copay waived if directly
admitted to an inpatient facility)
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Preferred brand
Non-preferred brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$3,000
20%
$6,850
Deductible, then 20%
$30 copay, first 2 PCP visits covered in full
$50 copay
$50 copay
$15 copay
$30 copay
$250 copay, then deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
$50 copay
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
X1
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Covered in full
Covered in full
$30 copay
Covered in full
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
027831 (03-2015) LifeWise Health Plan of Washington
-
11
Essential Bronze EPO 6350Washington EPO plan for individuals & familiesBeginning January 1, 2016
This LifeWise EPO plan covers healthcare from providers in the LifeWiseConnect EPO network in Washington, Oregon, and Alaska. This plan also coversemergency care from out-of-network providers. However, you will pay the fullcost of non-emergency care from out-of-network providers. To find doctors andhospitals in the LifeWise Connect EPO network, go to lifewisewa.com and usethe Find a Doctor tool.
Essential Bronze EPO 6350
LifeWise Connect network providers
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
Designated PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care (copay waived if directly
admitted to an inpatient facility)
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Preferred brand
Non-preferred brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$6,350
20%
$6,850
Deductible, then 20%
$30 copay
Deductible, then 20%
Deductible, then 20%
$15 copay
$30 copay
$250 copay, then deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
X1
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Covered in full
Covered in full
$30 copay
Covered in full
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
027828 (03-2015) LifeWise Health Plan of Washington
-
12 | LifeWise Health Plan of Washington
Essential Silver EPO 3000 HSAWashington EPO plan for individuals & familiesBeginning January 1, 2016
This LifeWise EPO plan covers healthcare from providers in the LifeWiseConnect EPO network in Washington, Oregon, and Alaska. This plan also coversemergency care from out-of-network providers. However, you will pay the fullcost of non-emergency care from out-of-network providers. To find doctors andhospitals in the LifeWise Connect EPO network, go to lifewisewa.com and usethe Find a Doctor tool.
Essential Silver EPO 3000 HSA
LifeWise Connect network providers
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Preferred brand
Non-preferred brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$3,000
20%
$4,850
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
X1
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Deductible, then 20%
Covered in full
Covered in full
Deductible waived, then 20%
Covered in full
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
027830 (03-2015) LifeWise Health Plan of Washington
-
13
Essential Bronze EPO 6000 HSAWashington EPO plan for individuals & familiesBeginning January 1, 2016
This LifeWise EPO plan covers healthcare from providers in the LifeWiseConnect EPO network in Washington, Oregon, and Alaska. This plan also coversemergency care from out-of-network providers. However, you will pay the fullcost of non-emergency care from out-of-network providers. To find doctors andhospitals in the LifeWise Connect EPO network, go to lifewisewa.com and usethe Find a Doctor tool.
Essential Bronze EPO 6000 HSA
LifeWise Connect network providers
1
2
3
4
5
6
7
8
9
10
10 Essential Benefits Covered Services
Annual Deductible
Coinsurance
Out-of-Pocket Maximum
Ambulatory Patient Services
Office Visits
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance
Use Disorder Services,
including Behavioral Health
Treatment
Prescription Drugs
Retail/Specialty: 30-day supply
Mail Order: 90-day supply
Rehabilitative & Habilitative
Services & Devices
Laboratory Services
Preventive/Wellness Services
Pediatric Vision
Under 19 years of age
Per Calendar Year (PCY)
Family = 2x individual (in-network only)
Amount you pay after your deductible is met
Includes deductible, coinsurance, and copays
Family = 2x individual (in-network only)
Outpatient services
PCP office visit
Non-designated PCP & specialist office visit
Urgent care
Virtual care
Spinal manipulation: 10 visits PCY;
Acupuncture: 12 visits PCY
Emergency care
Ambulance
Inpatient services
Organ and tissue transplants, inpatient
Prenatal, delivery, postnatal care
Office visit
Inpatient hospital: mental/behavioral health
Outpatient services
Generic
Preferred brand
Non-preferred brand
Specialty
Drug formulary
Inpatient rehabilitation: 30 days PCY
Physical, speech, occupational, massage
therapy: 25 visits combined PCY
Durable medical equipment
Includes x-ray, pathology, imaging/diagnostic,
ultrasound
Major imaging including MRI, CT, PET
(prior authorization required for certain services)
Screenings
Exams and immunizations
Eye exam: 1 PCY
Eyewear: 1 pair of glasses PCY (frames
& lenses); 12-month supply of contacts
PCY, in lieu of glasses (frames & lenses)
$6,000
0%
$6,000
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
X1
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Covered in full
Covered in full
Deductible waived, then 20%
Covered in full
LifeWise Health Plan of Washington does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment & benefit determinations.
033136 (03-2015) LifeWise Health Plan of Washington
-
14 | LifeWise Health Plan of Washington
step
4
What youll need before you call
When you call, be sure you have names, birth dates and Social Security numbers for all family members you want to enroll, and household income to determine if you qualify for a subsidy.
Let us help you enroll nowWe want to help you choose the right plan with the coverage you need at a price that fits your budget. We can help you find out whether you qualify for a subsidy to help pay for your health plan.
For help enrolling and detailed information about coverage and costs:
Call 844-LIFEWISE (844-543-3947) 8 a.m.5 p.m. Pacific time, MondayFriday
-
15
General exclusions and limitations
Orthognathic surgery (except when repairing a dependent childs congenital abnormality)
Service in excess of specified benefit maximums
Services payable by other types of insurance coverage
Services received when you are not covered by this program
Sexual dysfunction
Sterilization reversal
For a list of services and procedures that require approval for coverage from your plan before you receive them (prior authorization), visit lifewisewa.com.
Benefits are not provided for treatment, surgery, services, drugs, or supplies for any of the following:
Cosmetic surgery or reconstructive surgery (except as specifically provided)
Experimental or investigative services
Infertility
Obesity/morbid obesity, including surgery, drugs, foods, and exercise programs
Definitions
allowed amount: When providers have a contract with us, the amount your health plan has agreed to pay healthcare providers for services or supplies. Youll be responsible only for any applicable cost sharing, including deductibles, copays, coinsurance, charges in excess of the stated benefit maximums and charges for services and supplies not covered under this plan. In-network providers cannot bill you for charges over the allowed amount.
coinsurance: Your share of the cost for a service. If your plans coinsurance is 20%, you pay 20% of the allowed amount and your plan pays the other 80% of the allowed amount.
copay: A flat fee you pay for a specific service, such as an office visit, at the time you receive service.
covered in full: Services of which your plan pays the total cost, at 100% of the allowed amount. You do not pay deductibles, coinsurance or copays for these services.
deductible: The amount of money you pay every year for covered services before the plan pays for certain benefits.
exclusive provider organization (EPO): Plans that only cover the cost of care from an in-network provider in Oregon, Washington and Alaska, unless you have a medical emergency. If you receive non-emergency care from an out-of-network healthcare provider you will be responsible for the full cost of that care.
formulary: A list of drugs covered by a health plan. Not all generic, brand-name and specialty drugs are included in every formulary.
health savings account (HSA): A savings account through a bank that is available to individuals who are enrolled in a qualified high deductible health plan. The funds contributed to the account, as well as interest and investment earnings, arent subject to federal income tax when used for qualified medical expenses.
in-network: Doctors, dentists, hospitals, and other healthcare providers that are contracted to provide services and supplies at negotiated amounts called allowed amounts.
out-of-pocket maximum: The maximum amount of money you will pay for covered services in a calendar year. After youve paid this amount, your plan pays 100% of the allowed amount for services received from in-network providers.
This is only a summary of the major benefits provided by our plans. This is not a contract. Please see lifewisewa.com/SBC for the Summary of Benefits and Coverage and Glossary. On our website, you can also find a Supplemental Guide with information about privacy policies, provider organization, key utilization management procedures, and pharmaceutical management procedures.
-
016891 (10-2015)
LifeWise Health Plan of WashingtonPO Box 91120Seattle, WA 98111
lifewisewa.com
Cost transparency tool. Know what costs to expect.
Spending activity report. Track your claims and the status of your deductible, among other things.
For help choosing and enrolling in a plan
844-LIFEWISE (844-543-3947)
Find a Doctor. Research providers and check which networks include them at lifewisewa.com or via LifeWise Mobile.
LifeWise Mobile. Download the free app for on-the-go access to locate doctors, show proof of coverage, manage benefits, claims, and prescriptionsand more.
Free tools make it easier. All LifeWise health plans include tools to help you manage your health and your plan:
-
037336 (07-2016)
Discrimination is Against the Law LifeWise Health Plan of Washington complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. LifeWise does not exclude people or treat them differently because of race, color, national origin, age, disability or sex. LifeWise: Provides free aids and services to people with disabilities to communicate
effectively with us, such as: Qualified sign language interpreters Written information in other formats (large print, audio, accessible
electronic formats, other formats) Provides free language services to people whose primary language is not
English, such as: Qualified interpreters Information written in other languages
If you need these services, contact the Civil Rights Coordinator. If you believe that LifeWise has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Civil Rights Coordinator - Complaints and Appeals PO Box 91102, Seattle, WA 98111 Toll free 855-332-6396, Fax 425-918-5592, TTY 800-842-5357 Email [email protected] You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, the Civil Rights Coordinator is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue SW, Room 509F, HHH Building Washington, D.C. 20201, 1-800-368-1019, 800-537-7697 (TDD) Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html. Getting Help in Other Languages This Notice has Important Information. This notice may have important information about your application or coverage through LifeWise Health Plan of Washington. There may be key dates in this notice. You may need to take action by certain deadlines to keep your health coverage or help with costs. You have the right to get this information and help in your language at no cost. Call 800-592-6804 (TTY: 800-842-5357). (Amharic): LifeWise Health Plan of Washington 800-592-6804 (TTY: 800-842-5357)
:(Arabic) .
LifeWise Health Plan of Washington. .
. (TTY: 800-842-5357) 6804-592-800 .
(Chinese): LifeWise Health Plan of Washington
800-592-6804 (TTY: 800-842-5357)
Oromoo (Cushite): Beeksisni kun odeeffannoo barbaachisaa qaba. Beeksisti kun sagantaa yookan karaa LifeWise Health Plan of Washington tiin tajaajila keessan ilaalchisee odeeffannoo barbaachisaa qabaachuu dandaa. Guyyaawwan murteessaa taan beeksisa kana keessatti ilaalaa. Tarii kaffaltiidhaan deeggaramuuf yookan tajaajila fayyaa keessaniif guyyaa dhumaa irratti wanti raawwattan jiraachuu dandaa. Kaffaltii irraa bilisa haala taeen afaan keessaniin odeeffannoo argachuu fi deeggarsa argachuuf mirga ni qabaattu. Lakkoofsa bilbilaa 800-592-6804 (TTY: 800-842-5357) tii bilbilaa. Franais (French): Cet avis a d'importantes informations. Cet avis peut avoir d'importantes informations sur votre demande ou la couverture par l'intermdiaire de LifeWise Health Plan of Washington. Le prsent avis peut contenir des dates cls. Vous devrez peut-tre prendre des mesures par certains dlais pour maintenir votre couverture de sant ou d'aide avec les cots. Vous avez le droit d'obtenir cette information et de laide dans votre langue aucun cot. Appelez le 800-592-6804 (TTY: 800-842-5357). Kreyl ayisyen (Creole): Avi sila a gen Enfmasyon Enptan ladann. Avi sila a kapab genyen enfmasyon enptan konsnan aplikasyon w lan oswa konsnan kouvti asirans lan atrav LifeWise Health Plan of Washington. Kapab genyen dat ki enptan nan avi sila a. Ou ka gen pou pran kk aksyon avan sten dat limit pou ka kenbe kouvti asirans sante w la oswa pou yo ka ede w avk depans yo. Se dwa w pou resevwa enfmasyon sa a ak asistans nan lang ou pale a, san ou pa gen pou peye pou sa. Rele nan 800-592-6804 (TTY: 800-842-5357). Deutsche (German): Diese Benachrichtigung enthlt wichtige Informationen. Diese Benachrichtigung enthlt unter Umstnden wichtige Informationen bezglich Ihres Antrags auf Krankenversicherungsschutz durch LifeWise Health Plan of Washington. Suchen Sie nach eventuellen wichtigen Terminen in dieser Benachrichtigung. Sie knnten bis zu bestimmten Stichtagen handeln mssen, um Ihren Krankenversicherungsschutz oder Hilfe mit den Kosten zu behalten. Sie haben das Recht, kostenlose Hilfe und Informationen in Ihrer Sprache zu erhalten. Rufen Sie an unter 800-592-6804 (TTY: 800-842-5357). Hmoob (Hmong): Tsab ntawv tshaj xo no muaj cov ntshiab lus tseem ceeb. Tej zaum tsab ntawv tshaj xo no muaj cov ntsiab lus tseem ceeb txog koj daim ntawv thov kev pab los yog koj qhov kev pab cuam los ntawm LifeWise Health Plan of Washington. Tej zaum muaj cov hnub tseem ceeb uas sau rau hauv daim ntawv no. Tej zaum koj kuj yuav tau ua qee yam uas peb kom koj ua tsis pub dhau cov caij nyoog uas teev tseg rau hauv daim ntawv no mas koj thiaj yuav tau txais kev pab cuam kho mob los yog kev pab them tej nqi kho mob ntawd. Koj muaj cai kom lawv muab cov ntshiab lus no uas tau muab sau ua koj hom lus pub dawb rau koj. Hu rau 800-592-6804 (TTY: 800-842-5357). Iloko (Ilocano): Daytoy a Pakdaar ket naglaon iti Napateg nga Impormasion. Daytoy a pakdaar mabalin nga adda ket naglaon iti napateg nga impormasion maipanggep iti apliksayonyo wenno coverage babaen iti LifeWise Health Plan of Washington. Daytoy ket mabalin dagiti importante a petsa iti daytoy a pakdaar. Mabalin nga adda rumbeng nga aramidenyo nga addang sakbay dagiti partikular a naituding nga aldaw tapno mapagtalinaedyo ti coverage ti salun-atyo wenno tulong kadagiti gastos. Adda karbenganyo a mangala iti daytoy nga impormasion ken tulong iti bukodyo a pagsasao nga awan ti bayadanyo. Tumawag iti numero nga 800-592-6804 (TTY: 800-842-5357). Italiano (Italian): Questo avviso contiene informazioni importanti. Questo avviso pu contenere informazioni importanti sulla tua domanda o copertura attraverso LifeWise Health Plan of Washington. Potrebbero esserci date chiave in questo avviso. Potrebbe essere necessario un tuo intervento entro una scadenza determinata per consentirti di mantenere la tua copertura o sovvenzione. Hai il diritto di ottenere queste informazioni e assistenza nella tua lingua gratuitamente. Chiama 800-592-6804 (TTY: 800-842-5357).
-
(Japanese): LifeWise Health Plan of Washington
800-592-6804 (TTY: 800-842-5357) (Korean): . LifeWise Health Plan of Washington . . . . 800-592-6804 (TTY: 800-842-5357) . (Lao): . LifeWise Health Plan of Washington. . . . 800-592-6804 (TTY: 800-842-5357). (Khmer):
LifeWise Health Plan of Washington
800-592-6804 (TTY: 800-842-5357) (Punjabi): . LifeWise Health Plan of Washington . . , , 800-592-6804 (TTY: 800-842-5357).
:(Farsi) .
. LifeWise Health Plan of Washington .
.
800- 592-6804 . . )800-842-5357 TTY(
Polskie (Polish): To ogoszenie moe zawiera wane informacje. To ogoszenie moe zawiera wane informacje odnonie Pastwa wniosku lub zakresu wiadcze poprzez LifeWise Health Plan of Washington. Prosimy zwrcic uwag na kluczowe daty, ktre mog by zawarte w tym ogoszeniu aby nie przekroczy terminw w przypadku utrzymania polisy ubezpieczeniowej lub pomocy zwizanej z kosztami. Macie Pastwo prawo do bezpatnej informacji we wasnym jzyku. Zadzwocie pod 800-592-6804 (TTY: 800-842-5357). Portugus (Portuguese): Este aviso contm informaes importantes. Este aviso poder conter informaes importantes a respeito de sua aplicao ou cobertura por meio do LifeWise Health Plan of Washington. Podero existir datas importantes neste aviso. Talvez seja necessrio que voc tome providncias dentro de determinados prazos para manter sua cobertura de sade ou ajuda de custos. Voc tem o direito de obter esta informao e ajuda em seu idioma e sem custos. Ligue para 800-592-6804 (TTY: 800-842-5357).
Romn (Romanian): Prezenta notificare conine informaii importante. Aceast notificare poate conine informaii importante privind cererea sau acoperirea asigurrii dumneavoastre de sntate prin LifeWise Health Plan of Washington. Pot exista date cheie n aceast notificare. Este posibil s fie nevoie s acionai pn la anumite termene limit pentru a v menine acoperirea asigurrii de sntate sau asistena privitoare la costuri. Avei dreptul de a obine gratuit aceste informaii i ajutor n limba dumneavoastr. Sunai la 800-592-6804 (TTY: 800-842-5357). P (Russian): . LifeWise Health Plan of Washington. . , , . . 800-592-6804 (TTY: 800-842-5357). Faasamoa (Samoan): Atonu ua iai i lenei faasilasilaga ni faamatalaga e sili ona taua e tatau ona e malamalama i ai. O lenei faasilasilaga o se fesoasoani e faamatala atili i ai i le tulaga o le polokalame, LifeWise Health Plan of Washington, ua e tau fia maua atu i ai. Faamolemole, ia e iloilo faalelei i aso faapitoa oloo iai i lenei faasilasilaga taua. Masalo o lea iai ni feau e tatau ona e faia ao lei aulia le aso ua taua i lenei faasilasilaga ina ia e iai pea ma maua fesoasoani mai ai i le polokalame a le Malo oloo e iai i ai. Oloo iai iate oe le aia tatau e maua atu i lenei faasilasilaga ma lenei famatalaga i legagana e te malamalama i ai aunoa ma se togiga tupe. Vili atu i le telefoni 800-592-6804 (TTY: 800-842-5357). Espaol (Spanish): Este Aviso contiene informacin importante. Es posible que este aviso contenga informacin importante acerca de su solicitud o cobertura a travs de LifeWise Health Plan of Washington. Es posible que haya fechas clave en este aviso. Es posible que deba tomar alguna medida antes de determinadas fechas para mantener su cobertura mdica o ayuda con los costos. Usted tiene derecho a recibir esta informacin y ayuda en su idioma sin costo alguno. Llame al 800-592-6804 (TTY: 800-842-5357). Tagalog (Tagalog): Ang Paunawa na ito ay naglalaman ng mahalagang impormasyon. Ang paunawa na ito ay maaaring naglalaman ng mahalagang impormasyon tungkol sa iyong aplikasyon o pagsakop sa pamamagitan ng LifeWise Health Plan of Washington. Maaaring may mga mahalagang petsa dito sa paunawa. Maaring mangailangan ka na magsagawa ng hakbang sa ilang mga itinakdang panahon upang mapanatili ang iyong pagsakop sa kalusugan o tulong na walang gastos. May karapatan ka na makakuha ng ganitong impormasyon at tulong sa iyong wika ng walang gastos. Tumawag sa 800-592-6804 (TTY: 800-842-5357). (Thai): LifeWise Health Plan of Washington 800-592-6804 (TTY: 800-842-5357) (Ukrainian): . LifeWise Health Plan of Washington. , . , , . . 800-592-6804 (TTY: 800-842-5357). Ting Vit (Vietnamese): Thng bo ny cung cp thng tin quan trng. Thng bo ny c thng tin quan trng v n xin tham gia hoc hp ng bo him ca qu v qua chng trnh LifeWise Health Plan of Washington. Xin xem ngy quan trng trong thng bo ny. Qu v c th phi thc hin theo thng bo ng trong thi hn duy tr bo him sc khe hoc c tr gip thm v chi ph. Qu v c quyn c bit thng tin ny v c tr gip bng ngn ng ca mnh min ph. Xin gi s 800-592-6804 (TTY: 800-842-5357).