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LifeWise Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

If you are looking for health insurance in Oregon, Arizona, Washington or Alaska then LifeWise Health Insurance Company is one of the top providers of coverage in the region.

LifeWise offers a wide range of products and benefits, a large network of providers, quick, local service, and online services. Following is some important information about the LifeWise health insurance company that can help you decide if this organization is right for you.

Read this LifeWise Health Insurance review, browse through the customer reviews of LifeWise Insurance at the bottom of this article, and then compare quotes from many different health care insurance providers by entering your zip into the box on the right side of this page.

LifeWise: Company Facts

LifeWise is a private company headquartered in Portland, OR. Within the state of Oregon, there are more than 120,000 members and the company reports more than $324 million in revenue each year. With over 240 agents available, almost every area of the region is covered. One aspect of LifeWise that is most appealing to its members is the choice of over 9,000 providers, hospitals, and physicians.

LifeWise Health Plans

LifeWise offers individual and family plans as well as small group plans. All individual plans contain the following benefits: well-child and newborn exams, yearly physicals, women’s and men’s annual exams, preventive immunizations, cervical, prostate, and colorectal cancer screenings, heart and vascular disease screenings, and musculoskeletal disorder screenings. Also provided for under each plan is prescription drug coverage, alternative care for services such as chiropractic and acupuncture, mammogram coverage, and office visits.

Though each plan offers these coverages, there is a difference in how they are provided and in the cost. In the WiseEssentials 50 Plan everything discussed above is covered through a low monthly premium with more paid out of pocket for co-pays and deductibles. The WiseEssentials Plan covers all of the above through a low rate plan for office visits and basic needs and a higher rate for situations beyond the basics. The WiseSavings Plan is a high-deductible plan that is funded through a health savings account. The WiseChoices Plan offers the widest variety of coverage through a moderate monthly payment. Vision care is also a part of this plan.

If you already have an individual plan through Medicare, you can get a supplemental plan through LifeWise. Supplemental Medicare plans are only for those who are already on Medicare. These types of plans cover some of the gaps in coverage. Having a supplemental plan through LifeWise will help members save additional money on co-pays and deductibles. This plan will also provide freedom of choice in providers, easy claims service, and customer service for any medical insurance needs that arise.

LifeWise also offers health care coverage for small groups with 2-50 employees. The two plans offered are Frontline and LifeWise HSA. Frontline plans offer deductibles from $750-$5500. On the Frontline Plans preventive care is covered in full. Others services are subjected to the deductible, co-pays, and in some cases co-insurance. The HSA Plans are health savings accounts. These plans allow employers and employees to deposit pre-taxed dollars into an account to be spent on medical expenses including deductibles, co-pays, and co-insurance.

LifeWise plans for large groups are available for companies with 51 or more employees. The Passport Plan is a traditional PPO plan which gives employees a wide range of benefits with a range of deductibles, co-pay amounts, and coinsurance to choose from. The LifeWise HSA Plan is a high deductible plan that uses the tax-advantage. This plan allows employers and employees different deposit amounts to choose from. LifeWise HRA Plan is a comprehensive PPO plan that is employer sponsored. Employers decide what amount of money will be reimbursed to the employee and for what medical services. Lastly, the LifeWise Universal plan is the most flexible. It allows members to choose providers and hospitals without penalties.

With each of the LifeWise plans there are exclusions to be aware of. The following services are excluded from coverage: alcohol or chemical dependency services, condition resulting from military action, cosmetic procedures, dental services, hearing aids, infertility treatments, mental health services, obesity surgery or treatments, elective surgeries, and sterilization reversal.

LifeWise also offers group dental plans for small or large businesses. There are a variety of plans with different deductibles so employers can choose what fits best into their budget. There are traditional, self-funded, and PPO plans. Coverage is extended to over 80,000 dental providers and provides for routine exams, cleanings, fluoride treatments, x-rays, sealants, spacers, fillings, emergency treatment, oral surgery, root canals, and crowns.

LifeWise Health Insurance Quotes

Be sure to compare LifeWise health insurance quotes with quotes from other insurance companies. If you are wondering if LifeWise is the right choice for your family or your company, you can compare these features with other companies. Use the comparison tool on this page right now to compare rates and quotes from top companies. Seeing these comparisons side by side will help you to determine if LifeWise is the wise choice for your needs. Enter your zip code in the quote box above and get the information you need today!

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