Guide To Health Insurance.org

About LifeWise Health Plan of Oregon

Founded in 1994, LifeWise Health Plan of Oregon is a subsidiary of Premera Blue Cross. The company currently serves 160,000 members across all counties of Oregon. Between LifeWise and its affiliates, the group serves 1.5 million members across its network. The LifeWise Health Plan of Oregon network covers Oregon, Washington, Alaska, and Arizona. LifeWise Health Plan of Oregon offers a variety of individual plans including PPO Plans, Traditional Indemnity Plans and Supplemental Benefit Options. LifeWise PPO plans include the Plus Plan, Preferred Plan, Prime Plan, the Value Plan, and the HSA Plan; traditional Indemnity Plans include The Choice and HSA Choice.

LifeWise Plans

LifeWise PPO Plans feature access to a large network of health care providers, hospitals and physicians, flexible designs, and coverage based on percentages of expenses after annual deductibles. The PPO Plus Plan features five deductible choices, ranging from $500 up to $7,500. Preferred co-payments and percentage of member responsibility for this plan includes a $20 co-payment for preventative care, 20 percent of hospital services, hospital emergency, maternity, and $20 copay for urgent care. In addition, the PPO Plus Plan has no balance billing, easy claim filing, no referrals required and access to coverage when traveling. The LifeWise PPO Prime Plan offers the same benefits as the PPO Plus Plan, except the Prime Plan offers three deductible choices ($2,500, $5,000 and $7,500). Member responsibility percentages for the PPO Prime Plan are slightly higher at 30 percent.

Traditional Indemnity Plans are considered the most cost-effective LifeWise Plans, featuring a variety of coinsurance, benefits, and deductibles. No referrals are required and Traditional Indemnity Plans offer members the freedom to choose their own providers and a flexible benefit design. For Traditional Indemnity Plans, a separate $500 deductible applies to prescription services.

HSA-qualified Plans are high-deductible plans designed to keep premiums low. HSAs are considered a cost-effective method for providing members with preferred provider and non-preferred provider coverage for major illness. Other HSA plan benefits include: tax savings, retirement savings, reduced insurance premiums and better choices regarding treatment options.

There are several supplemental benefit options worth mentioning for individuals interested in an additional prescription drug plan or for those seeking treatment for alcohol dependency. The Prescription Drug Buy-Up Option is not available with HSA Plans, but it does allow the member to purchase prescription drugs without a yearly minimum or deductible. This option may be added to existing member plans for an extra cost. The Alcohol Dependency Treatment Plan is offered in the state of Oregon; this treatment plan is an optional benefit featuring coverage of up to $4,500 during any 24 consecutive months.

LifeWise Headquarters

The LifeWise Health Plan of Oregon corporate office is located at 2020 SW Fourth, Suite 1000, Portland, OR, 97201, (800) 290-1278."