Health Insurance Carriers in Washington
Health insurance law differs in every state. So
do plans and providers. Click on the links provided below for
more information on Washington plans and providers.
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Health Insurance Providers in Washington
Assurant Health (Formerly Fortis)
Group Health Cooperative
LifeWise Health Plan of Washington
Premera Blue Cross
Regence BlueShield of Washington
Security Life
Group Health Insurance in Washington
- Coverage may not be denied due to illness,
provided the applicant is eligible.
- Should life changes related to family or unemployment
arise, more opportunities for group coverage may be available.
- A new employer may require a wait period prior to coverage.
- Providers may review medical history for the six months
previous to coverage.
- In the case of a pre-existing condition, the provider
may require an exclusion period, the lengths of which vary according
to type of coverage.
- Group plans may impose a waiting period for health conditions.
- If coverage is maintained continuously for nine months
through a small employer or for three months through a similar
plan, creditable coverage may be awarded.
Small Business Health Insurance in Washington
- Employers with up to 50 employees may not
be denied small group health insurance, nor may insurance be cancelled
based on sickness in the employee group.
- Adjusted community ratings determine small group policy
premiums.
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Self-Employed Health Insurance in Washington
- The self-employed may purchase small group
health insurance.
- Businesses with three or more employees may join a statewide
alliance or purchasing pool for the purpose of purchasing group
health insurance.
- Contact the Washington State Office of the Insurance Commission
for information on professional associations and student health
plans which offer group health coverage.
Washington State Office of the Insurance Commissioner
P.O. Box 40256
Olympia, WA 98504
(800) 562-6900
www.insurance.wa.gov
Individual Health Insurance in Washington
- Individual health coverage can be denied
based on health problems.
- Those refused coverage may apply for Washington State
Health Insurance Pool.
- Some instances require a provider to offer insurance coverage.
- Newborn, adopted, and disabled children may have special
coverage opportunities.
- Coverage may be denied if a provider has its maximum number
of enrollees.
- For pre-existing conditions, the maximum exclusion period
is nine months.
- Pregnancy may be considered a pre-existing condition.
- Credit for prior coverage may apply to exclusion periods.
- Those without insurance coverage for 63 days or more may
be subjected to a nine month exclusion period.
- Premium prices may not be based on health but determined
by adjusted community rating.
- Coverage cannot be cancelled due to illness.
Washington Health Care Programs
Medicaid, Children’s Health Insurance
Program, Breast and Cervical Health Program, Washington Basic
Health Plan, and Washington State Health Insurance Pool are available
to low income residents.
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