Individual & Family Health

Need Individual/Family Coverage?

Chances are if you don’t have health coverage, it’s because you think you can’t afford it… Think again. If you are:

  • Self-employed
  • Run a small business with 2-5 employees and need a small group plan
  • Going through a change in lifestyle (new baby, divorced, newly married…)
  • Paying too much to be on your spouse’s group plan

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Health Insurance Carriers


Regence BlueShield is an Independent Licensee of the Blue Cross and Blue Shield Association

Bio: Regence origins date to 1917, when mining and logging companies in Tacoma approached local doctors for a strategy on affordable health care. Physicians formed the first pre-paid health plan in the United States, Pierce County Medical Bureau. After a series of local mergers, almost 90 years later, the resulting Regence BlueShield is one of the largest health plans in the state.

  • Their president is Mary O. McWilliams.
  • They have more than 1 million members.
  • They employ nearly 1,800 residents.
  • They have offices in Seattle, Tacoma and Everett.
  • They contract with more than 20,000 physicians, dentists and other providers.
  • They processed an average of 1,355,623 claims a month in 2005.
  • They incurred claims expense of $2.5 billion in 2005.
  • They are not-for-profit and incurred local, state and federal tax expense of $63.3 million in 2005.

Regence InterMSM Short-Term Medical

Following is a very brief description of the important features of the policy. This is not the insurance contract and only the actual policy provisions will govern. Please refer to the policy for a detailed description of the rights and obligations of both you and Regence Life and Health Insurance Company.

This short-term medical policy is non-renewable.

Individual InterMSM Medical Insurance

InterM is designed for healthy people who have a temporary need for medical coverage. InterM gives you peace of mind by providing coverage for injuries and sudden-onset illnesses.

Medical Coverage for 30 to 185 Days

Valuable medical protection on a short-term basis for people who are:

  • Between jobs, laid off, or on strike.
  • Waiting to be covered under a group medical plan.
  • Waiting for issuance of an individual contract.
  • Recent graduates.
  • Starting a business.
  • Taking time off from school.
  • In need of temporary medical insurance.

Eligibility

You are eligible for this policy if you and any family members who apply for coverage:

  • Are under age 65 and will remain under age 65 for the term of the policy.
  • Unmarried dependent children must be:
    • under age 25
    • dependent upon you for support. Generally, the child must live with you. The exception is when you are legally required to pay for part of the child’s support and there is no court order requiring that someone else provide insurance for the child.
  • Are not eligible for Medicare.
  • Are not pregnant. If any member of your family is pregnant, you may not apply for coverage until the pregnancy terminates.
  • Are not covered under any other hospital or medical plan.

Temporary Coverage

InterM is designed to provide medical coverage on a temporary basis to fill a temporary need. It cannot be renewed and is not intended to replace permanent coverage. However, if the temporary need continues, you may apply for one new policy within a 12-month period.

Important Note: There is no continuous coverage between policies. Any condition which may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy.

Once you select “Apply Now” and are taken to the Regence site, please enter your zip code and select “Submit”. On the following page, select “Enroll Online Now” and follow the instructions from there.

Apply Now



Bio: Group Health is a nonprofit health care system that provides both medical coverage and care. Group Health and its subsidiary health carriers, Group Health Options, Inc. and KPS Health Plans, serve approximately 568,344 members in Washington and Idaho. More than 70 percent of members receive care in Group Health-owned medical facilities.

Purpose. Group Health Cooperative exists to transform health care, working together every day to improve the care and well-being of our consumers and communities.

Mission. Group Health Cooperative is a consumer-governed organization whose mission is to design, finance, and deliver high-quality health care.

Values. In carrying out our purpose and mission, we demonstrate these core values: respect, integrity, scientific discipline, pioneering spirit, and stewardship.

Plan Highlights:

  • GH Welcome plans can help keep your costs down without compromising coverage.
  • Compass plans are traditional deductible, coinsurance, and copayment plans that provide lower premiums for members.
  • HealthPays HSA plans keep health care costs down by lowering premiums for you and your entire family.

Provider Directories

http://www.wa.regence.com/member/doctor/
http://www.ghc.org/controller/providerDirectory/index.jhtml
Premera Providers


HSA’s

You do not have to be a business owner to have an HSA health plan. As an individual/family, you can have your own plan and begin to lower your monthly healthcare costs – all while enjoying tax deductions and tax-free interest and earnings.

How it works

HSAs help Americans manage their healthcare costs. That’s something we all need. An HSA lets you set aside pre-tax dollars for future medical or retirement expenses. Invest these funds, then use them for qualified expenses. The funds can roll over from year to year. You take them with you when you change jobs. To open an HSA, you must be enrolled in a qualified, high-deductible health plan as defined by the US Treasury. For 2007, the minimum annual deductibles are $1,100 for a self-only plan and $2,200 for a family plan. The maximum contribution amount is $2,850 for self-only coverage or $5,650 for family coverage, regardless of deductible level. The maximum contribution amount is indexed for inflation and may increase in the future. If you’re 55 or older, you can make additional, “catch-up” contributions. To check this year’s maximum contributions amounts, please visit the Department of Treasury at: http://www.treasury.gov/

HSA vs. HRA vs. FSA

An HSA is different from other kinds of tax-advantaged savings accounts. You might be familiar with Health Reimbursement Arrangements (HRAs) or Flexible Spending Account (FSAs). The main difference between an HRA and an HSA is that HRA funds are provided only by an employer for an employee, and do not follow an employee to a new employer. The main difference between a FSA and an HSA is that FSA funds must be used within the calendar year; otherwise they are forfeited.

Eligibility

You are eligible to enroll in an Health Savings Account if:

  • You are not enrolled in Medicare.
  • You do not have coverage (including through a spouse) under a non-high-deductible health plan. (There are very limited exceptions.)
  • You are not claimed as a dependent on someone else’s tax return

HSA calculator & helpful HSA information:

http://www.hsabank.com/calculators/future_value.aspx