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LifeWise logoHealth Plans for Individuals and Families  - Outside the Exchange
 

Plans available beginning January 1, 2015

LifeWise offers a variety of individual and family health plans designed to meet your specific needs. Their metallic plans balance coverage and cost, including high-deductible plans with tax-advantaged health savings accounts (HSAs).  Receive preventive care covered in full and lower office-visit copays when you use an in-network provider.   

All plans include the 10 essential benefits.  The differences between the plans are the annual deductible and the amount of out-of-pocket costs you pay when you receive medical care.

Essential Gold Highlights Essential Silver Highlights Essential Bronze Highlights Essential HSAs Highlights
  • Annual Deductible:  $1000 or $1500
  • 20% Coinsurance
  • Out-of-Pocket Maximum: $4500
  • Office Visits: $10 / $30 copay
  • Prescription Drugs $1000 plan: $10 Generics / $40 Brand
  • Prescription Drugs $1500 plan: $10 Generics / $35 Brand

    (Specialty Drugs subject to Deductible, then 20% for both deductible options)
  • Annual Deductible:  $2000 or $3000
  • 20% Coinsurance
  • Out-of-Pocket Maximum: $6350
  • Office Visits: $15 / $45 copay
  • Prescription Drugs $2000 plan: $15 Generics / $50 Brand
  • Prescription Drugs $3000 plan: $10 Generics / $50 Brand

    (Specialty Drugs subject to Deductible, then 20% for both deductible options)
  • Annual Deductible:  $5500 or $6350
  • 20% / 0% Coinsurance
  • Out-of-Pocket Maximum: $6350
  • Office Visits: $15/$20 or $45/$50 copay
  • Prescription Drugs $5500 plan: $25 Generics / Deductible, then 50% Brand / Deductible, then 20% for Specialty Drugs
  • Prescription Drugs $6350 plan: Deductible, then 0%
  • Annual Deductible: Silver $2500 or Bronze $5250
  • 20% / 0% Coinsurance
  • Out-of-Pocket Maximum: Silver $4100 / Bronze $5250
  • Office Visits: Deductible, then coinsurance
  • Prescription Drugs: Deductible, then coinsurance

Some of the highlights for all plans include:

  • Large network of doctors, dentists & hospitals with access to out of state medical care
  • Lower office visit copays by choosing an in-network primary care provider
  • Pediatric dental care is included with all LifeWise health plans
  • 24-hr coverage for all enrolled family members for occupational conditions not covered by workers' compensation
  • Member-only discounts on fitness clubs, weight loss programs, and more!

Of all the plans LifeWise has to offer, by far the most popular are the Bronze 5500 and the Bronze HSA 5250.


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