Washington Health Insurance
Information and Frequent Asked Questions about Health Insurance Plans in Washington
When applying for health insurance for the State of Washington, you have to be mindful of what different companies offer. Because medical needs vary between each person, you have to know what questions to ask yourself to see what kind of coverage best suits your medical needs.
What do medical insurance plans in Washington cover?
- Preventive care?
- Substance abuse?
- organ transplants?
- Maternity care?
- Chiropractic care?
- Naturopathic care?
- Mental health care?
When researching on health insurance companies, make sure that you cover your bases by asking certain questions to confirm that your medical policy covers:
- Does it have co-pay?
- How much is the deductible?
- How often will you have to pay the co-payments or deductibles (semi-annually, annually, per occurrence)?
- Are there limits on the number of times you have to receive a service (lifetime maximums, daily, or annual benefit caps)?
- Does the plan cover prescription expenses?
- Are my prescriptions on the list of covered drugs?
- When and what times is my insurance provider available to talk?
Benefits that all Washington Health Plans must cover:
- Anesthesia for dental services
- Cancer chemotherapy medications
- Chemical dependency
- Colorectal cancer exams and lab tests
- Congenital anomalies in children and newborns
- Contraceptive coverage
- Diabetes coverage
- Emergency medical services in an emergency department
- Injuries caused by intoxication or narcotics
- Maternity and drug coverage
- Mental health parity
- Neuro-developmental therapies
- Phenylketonuria (PKU)
- Prostate cancer screening
- Women’s health care services
Different health insurance companies offer a variety of benefits related to seeing certain providers. Here is a list of example services you can receive:
- Chiropractic care
- Chiropractic care – non-referral access
- Denturist services
- Every category of provider
- Psychological services
- Registered nurses and ARNPs
- Women’s health care: direct access
In Washington, the Federal mandate offers plenty of benefits as well. The list is as follows:
- Continuation of coverage: COBRA (*Federal mandates that overlap with state requirements)
- Coverage of adoptive children (*Federal mandates that overlap with state requirements)
- Mental health and substance abuse (*Federal mandates that overlap with state requirements)
- Minimum hospital stays for newborns and mothers (*Federal mandates that overlap with state requirements)
- Reconstructive surgery after mastectomy (*Federal mandates that overlap with state requirements)
- Americans with Disabilities Act (*Federal mandates that overlap with state requirements)
- Family and Medical Leave Act
- Qualified Medical Child Support Orders
- Required coverage for certain pediatric vaccines
- Uniformed services employment and re-employment rights act (USERRA)
- Pregnancy Discrimination Act
- Lifetime Limits: all plans
- Annual Limits: all plans except grandfathered individual market plan
- Coverage of preventive health services – all non-grandfathered plans
- Extension of adult dependent coverage: all plans (*Federal mandates that overlap with state requirements)
- Rescission (*Federal mandates that overlap with state requirements)
- Pre-existing condition exclusions: all plans except for grandfathered individual market plans
All of this information is to help you choose between each health insurance company in Washington. Because it is crucial for you and your dependents to be protected, knowing what your medical needs are will help with the purchasing process. In a matter of minutes you can acquire health insurance quotes and see how many discounts and savings you can qualify for. Start today by entering your zip code. It is that easy.