Vancouver Health Insurance

Vancouver, Washington is a decent sized city for the state of Washington and is in fact the fourth largest city and boasts a population of 165,000.  For the residents of Vancouver, there are 4 main health insurance companies providing coverage here though one of them (Kaiser Permanente) is in the middle of developing new plans after health reform forced them to have to redesign their traditional HMO plans for the Vancouver health insurance market.  So in the first quarter of 2011, we are looking at a total of 37 plans to choose from which is actually about 1/3 the amount of plans most larger areas have.  This is actually nice sometimes for the client as it makes choosing much simpler.

So I actually a ran nice sample Vancouver health insurance quote using a single 35 year old male and picked plans that cost $130 to see which company truly gives the most bang for the buck (we will have to rerun this when the Kaiser Permanente plans come out).

The first thing that everyone should notice is that the Regence Blue Shield plan is way overpriced in comparison to the KPS & LifeWise plans.  It has a 10k deductible (to KPS & LifeWise which only have a 5k deductible), and the coinsurance maximum is 7,500 meaning that the risk exposure here is $17,500 if there is major medical incident.  So basically, stay away from Regence in Vancouver if you are a 35 year old male, (usually the pricing holds across all demographics but by no means am I telling you to not consider Regence as their reputation is exceptional even if their premiums aren’t this year).

So between LifeWise and KPS, which plan did I choose?  LifeWise (my favorite plan in Washington this year) due to their lower out pocket/coinsurance.  However, if you take generic drugs, KPS would be a better choice because neither LifeWise nor Regence Blue Shield offer any prescription coverage whatsoever (believe me a prescription discount card is nothing to show off).  Still, overall LifeWise and KPS are very close in benefits and premium and I would really need to consider all of your personal information before making a call for you.   So how about calling us then to help you out?  888-803-5917 and we will run you a quote, email it, and review it with you at no cost.  Or if you are feeling dangerous, go run your own Vancouver health insurance quotes now!

KPS Centric $5000 Deductible		LifeWise WiseEssentials Copay $5000		Regence Blue Shield Evolve Core
Estimated Cost $131.00 monthly		Estimated Cost $135.00 monthly		Estimated Cost $130.00 monthly
Customer Ratings Not Yet Rated		Customer Ratings Not Yet Rated		Customer Ratings Not Yet Rated
Plan Type PPO		Plan Type PPO		Plan Type PPO
Office Visit for Primary Doctor $30 per visit Copay for first 3 shared visits, subsequent visits 30% Coinsurance after deductible		Office Visit for Primary Doctor First 3 visits PCY : $25 copay. Deductible waived Additional visits: 25% Coinsurance after deductible		Office Visit for Primary Doctor $35 Copay for first 4 office visits primary/specialist, deductible and coinsurance after
Office Visit for Specialist $30 per visit Copay for first 3 shared visits,subsequent visits 30% Coinsurance after deductible		Office Visit for Specialist First 3 visits PCY : $25 copay. Deductible waived Additional visits: 25% Coinsurance after deductible		Office Visit for Specialist $35 Copay for first 4 office visits primary/specialist, deductible and coinsurance after
Coinsurance 30% after deductible		Coinsurance 25% after deductible		Coinsurance 30% after deductible
Annual Deductible Individual:$5,000		Annual Deductible Individual:$5,000		Annual Deductible Individual:$10,000
Annual Out-of-Pocket Limit Individual:$6,000 Does not include deductible		Annual Out-of-Pocket Limit Individual:$10,000 Includes deductible		Annual Out-of-Pocket Limit Individual:$7,500 Does not include deductible
Lifetime Maximum Unlimited		Lifetime Maximum Unlimited		Lifetime Maximum Unlimited