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Washington Health Insurance

Health insurance at present can be classified into two broad categories: individual and group. Those looking for individual insurance are mostly self-employed, or are employed by a company that does not have provision for a health plan, or who have a family and who require individual insurance for their family members. When you opt for an individual policy, you are required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you prefer to have a group policy instead, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurer begins paying for your legitimate medical bills.

In Washington, you can be denied individual health coverage because of a health problem or history of problems. In case you are refused, you can apply for Washington State Health Insurance Pool. There are some situations, however, in which individual insurance companies will be required to offer insurance. Washington offers special coverage for newborn, adopted, and disabled children under individual health policies. If an insurer has fulfilled their maximum number of enrollees, they can turn down your application. If you have pre-existing conditions, the exclusion period cannot be more than nine months. In Washington, pregnancy is treated as a pre-existing condition. You will be entitled to creditable coverage for the exclusion period if you have had continuous, unbroken coverage of over 63 days. Your insurance cannot be cancelled if you fall sick.

If you qualify for group coverage, you cannot be denied a policy because of a health problem. Your new boss can ask for a waiting period before offering group insurance. Group insurers are allowed to look back at your health records for the prior six months before coverage. In case you have a pre-existing condition, the insurer can impose an exclusion period, the lengths of which vary with the type of group coverage. If you have had continuous coverage for nine months through a small employer or for three months from a similar plan, you will qualify for creditable coverage.

Businesses with two to 50 employees cannot be denied small group health insurance, nor can insurance be cancelled due to illness in the group. In Washington, self-employed people can buy small group health insurance. A business with three or more employees can join a statewide alliance or purchasing pool which is approved for the purpose of group health insurance availability. For more information, you can contact the Washington State Office of the Insurance Commission.

Medicaid, Children’s Health Insurance Program, Breast and Cervical Health Program, Washington Basic Health Plan, and Washington State Health Insurance Pool are among the programs that help residents with medical costs.

Since selecting the right quotes is not easy, you should do some research before making a final decision. However, it makes sense to appoint professional health insurance agents and brokers who can be of great help in this regard.

The leading health insurance providers in Washington are Assurant Health (formerly Fortis), Group Health Cooperative, LifeWise Health Plan of Washington, Premera Blue Cross of Washington, Regence BlueShield of Washington and Security Life.

 

 

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To find US News rankings of a Washington Health Insurance Plan, Click the logo:

An annual guide is provided by US News to what it considers the best health insurance plan(s) in each state. Click through the pages on a Washington health insurance plan or Washington medical insurance plan to view specific reports or click on the following:

 

You can contact your Washington-elected officials about health care issues:

On national level

On state level

 

Health Insurance Information on Official State of Washington Sites

 

Health insurance can be purchased in these Washington Counties:Adams, Asotin, Benton, Chelan, Clallam, Clark, Columbia, Cowlitz, Douglas, Ferry, Franklin, Garfield, Grant, Grays Harbor, Island, Jefferson, King, Kitsap, Kittitas, Klickitat, Lewis, Lincoln, Mason, Okanogan, Pacific, Pend Orielle, Pierce, San Juan, Skagit, Skamania, Snohomish, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman and Yakima.

Health insurance can be purchased from various cities in Washington: Aberdeen, Airway Heights, Algona, Anacortes, Arlington, Asotin, Auburn, Bainbridge Island, Battle Ground, Belfair, Bellevue, Bellingham, Benton City, Bingen, Black Diamond, Blaine, Bonney Lake, Bothell, Bremerton, Brewster, Bridgeport, Brier, Buckley, Burien, Burlington, Camas, Carnation, Cashmere, Castle Rock, Centralia, Chehalis, Chelan, Cheney, Chewelah, Clarkston, Cle Elum, Clyde Hill, Colfax, College Place, Colville, Connell, Cosmopolis, Covington, Davenport, Dayton, Deer Park, Des Moines, DuPont, Duvall, East Wenatchee, Edgewood, Edmonds, Ellensburg, Elma, Entiat, Enumclaw, Ephrata, Everett, Everson, Federal Way, Ferndale, Fife, Fircrest, Forks, George, Gig Harbor, Gold Bar, Goldendale, Grand Coulee, Grandview, Granite Falls, Harrington, Hoquiam. Ilwaco, Issaquah, Kahlotus, Kalama, Kelso, Kenmore, Kennewick, Kent, Keller, Kettle Falls, Kirkland, Kittitas, La Center, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Langley, Leavenworth, Liberty Lake, Long Beach, Longview, Lynden, Lynnwood, Mabton, McCleary, Maple Valley, Marysville, Medical Lake, Medina, Mercer Island, Mesa, Mill Creek, Milton, Monroe, Montesano, Morton, Moses Lake, Mossyrock, Mountlake Terrace, Mount Vernon, Moxee, Mukilteo, Napavine, Newcastle, Newport, Nooksack, Normandy Park, North Bend, North Bonneville, Oak Harbor, Oakville, Ocean Shores, Okanogan, Olympia, Omak, Oroville, Orting, Othello, Pacific, Palouse, Pasco, Pateros, Pomeroy, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Prosser, Pullman, Puyallup, Quincy, Raymond, Redmond, Renton, Republic, Richland, Ridgefield, Ritzville, Rock Island, Roslyn, Roy, Royal City, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Sequim, Shelton, Shoreline, Snohomish, Snoqualmie, Soap Lake, South Bend, Spokane, Spokane Valley, Sprague, Stanwood, Stevenson, Sultan, Sumas, Sumner, Sunnyside, Tacoma, Tekoa, Tenino, Toledo, Tonasket, Toppenish, Tukwila, Tumwater, Union Gap, University Place, Vader, Vancouver, Waitsburg, Walla Walla, Wapato, Warden, Washougal, Wenatchee, Westport, West Richland, White Salmon, Winlock, Woodinville, Woodland, Woodway, Yakima, Yelm and Zillah.

 

 

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