For years, Washington’s healthcare system consistently ranked high in the country. This is why it’s not too surprising that consumers can take a pick among the many insurance providers in the locale. There are different plans available to individuals and groups, both from private insurers and public programs.

HealthQuoteInfo aims to help you get to know them better so you can find the right package for your needs. We can be of assistance if you want to learn more about the different packages offered by private providers or if you qualify for state-subsidized programs.

By entering your zip code in our search bar, you can find a list of the available packages in your area. These plans are offered by private carriers like Aetna, BCBS, Golden Rule, Humana, and Cigna among others. You can then compare what they have to offer to determine which suits your needs best.

Washington Health Insurance Basics: What Every Resident Needs to Know

As local laws don’t require employers to enroll their employees in healthcare plans, it’s imperative that consumers learn more about their coverage options. Fortunately, the healthcare environment in Washington is good. Local carriers are deemed reliable and the individual market has a decent range of providers. These help encourage more people to get insured. As a result, the number of individuals enrolled in insurance programs in the area are continuously rising.

Medicare, Medicaid & Low Income Health Insurance Washington

Aside from the packages offered by private carriers, residents can check out the government-sponsored programs available to them. Washington offers a wide range of services to its residents that practically cover all bases to ensure that everyone is protected. For starters, Medicare and Medicaid are both available in Washington, providing coverage to a great chunk of the population.

Seniors aged 65 years and older are the main beneficiaries of the Medicare program. Gaining eligibility for this program is simple: you just need to make regular Medicare payments while you are still employed. If you paid monthly for your Medicare contributions, you will automatically be eligible for Medicare assistance when you turn 65. It’s not an income-based program like other state-subsidized healthcare assistance. It also covers individuals with disabilities, even if they’re younger than 65.

Medicare is available to everyone, making it an attractive option to many. As it’s not income based, it can be a promising way to protect yourself from financial ruin due to future medical bills.

It comes in four parts which provides assistance in hospitalization, medical insurance, prescription drug coverage, and supplemental coverage for additional services for those who need special services. The first two parts are paid for by the payroll taxes you paid for while working while the last two are out-of-pocket expenses.

However, despite its wide coverage, there are still gaps in Medicare that you will need to patch. For example, it doesn’t cover long-term care. If you’re in need of such, you’ll need to purchase an additional policy that will provide the said coverage.

Medicaid, on the other hand, is created to provide health insurance and assist the low-income bracket of the society. Unlike Medicare that is available to everyone, Medicaid has stricter eligibility requirements.

Also referred to as the Washington Apple Health program, it’s only available to low-income residents and high-risk individuals that are usually denied coverage by private carriers. These include pregnant women, children under the age of 18, families with an unemployed parent, seniors, those in foster care, and the disabled. The coverage for different groups tend to vary, but you can learn about them in detail here.

DC Health Care Alliance

If you don’t qualify for Medicaid but your low income prevents you from affording private plans, the local government can still be of help with the DC Health Care Alliance, the DC Healthy Families, and the Cover All DC programs. They all have various eligibility criteria to ensure that everyone can get insurance in the district.

The DC Health Care Alliance is a lot like Medicaid except it has a higher income bracket. The DC Healthy Families program cover children below 21 and adults up to 64 years old without dependents, foster care enrollees, and pregnant women who are qualified for Medicaid. Meanwhile, Cover All DC covers Washington residents who are non-citizens and non-immigrants who are not eligible for private plans.

Alternative Health Insurance Options in Washington

Those who are rejected by private carriers because of their pre-existing conditions can still be protected in Washington. The Washington State Health Insurance Pool or WSHIP is designed to help individuals who are deemed medically uninsurable to find reasonably-priced basic insurance packages. Note, however, that their eligibility requirements are broad, so it’s important to pay close attention to it if you want to take advantage of the program. This guide can help you if you want to know more about it.

In case you really ineligible for any kind of insurance policy, there are still ways how the local government can help you. They provide prescription assistance through the DC Rx Prescription Drug Discount Card which gives holders discounts on some of the most commonly prescribed medications. They also have health care providers that offer flexible payment options so you don’t have to worry about not having an insurance. Their community clinics charge fees based on a sliding scale while direct health care practices charge a set monthly fee for their services. The city also have charity care options in hospitals that can provide free or reduced rates for hospitalizations. Residents can also find local free clinics that can provide some medical assistance to those who need it.

These might not equate to being protected by a comprehensive healthcare insurance, but they can still help lighten the financial burden of having a health issue.

Washington Open Enrollment 2019 & Washington Obamacare Insurance

The Washington Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.

For all your other questions regarding health insurance in Washington, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.