LifeWise Health Plan of Oregon announced on April 21, 2016 that we will exit the Oregon market. Most plans ending by Dec. 31, 2016. However, existing large groups are allowed to keep their coverage past our market exit. You should have received notification about this. As a customer, you can be assured we will support you through the duration of your plan.
Learn more about LifeWise leaving the Oregon health plan market.
Your commitment and hard work deserves to be recognized and rewarded.
We offer four innovative medical plan options that includes everything from familiar PPO and traditional indemnity plan to alternatives that work with special healthcare funding arrangements. This gives employees more control and responsibility over their healthcare spending while providing employers flexible funding options.
For specific plan details, please refer to the:
Traditional PPO plans
These plans offer a combination of benefits for employees and a range of deductible, copay, coinsurance and price options. These plan designs offer rich first-dollar benefits and options for employers to choose the right level of cost-sharing to suit business needs.
These plans offer the same combination of benefits as the Passport PPO plans with a wide range of deductible, copay, coinsurance and price options. But these plans offer a lower cost share for office visits when selecting then using a Primary Care Physician.
HSA-Qualified health plans
High-deductible health plans, qualified to work in combination with a tax-advantaged Health Savings Account (HSA). These plans offer benefits for a wide range of services and are qualified to work in conjunction with an employee-owned HSA.
Traditional indemnity plans
These plans offer maximum flexibility in provider choice and a range of cost-share options from which to choose.
Underwriting guidelines for groups with 51 or more employees may vary. Please talk to your sales representative for more information.
In addition to our health plans, you can enhance your employee's health benefits by selecting these additional buy-up options:
Outpatient prescription drug plans
Affordable prescription drugs are important to your employees' health and healthcare costs. Each plan includes coverage of generic prescriptions or you may have the option to purchase an alternative four-level plan. See the benefit guide for more information.
Dental and orthodontia plans
LifeWise dental plans feature a range of annual deductibles, maximum annual benefits, and coinsurance payments. For groups of five or more employees, available options include traditional, PPO, and self-funded plans.
Enhanced benefits options for periodontal and endodontic services are available for groups of five or more employees. Orthodontia benefits are available to groups of 26 or more employees
You can offer employees the option of regular vision and hardware benefits through any of our health plans. See the benefit guide for more information.
LifeWise dental plans feature a range of annual deductibles, maximum annual benefits, covered services, and coinsurance payments. For groups of five or more employees, available options include traditional, PPO, and self-funded plans. With more than 120,000 access points nationwide, LifeWise dental plan members have convenient access to high-quality dental service providers-in Oregon and beyond.
For more specific plan information, view the plan overviews below, check out the information below:
Information on dental plan options in 2016 can be found in the 2016 Medical benefit guide.
When employers choose Dental Classic, members get the same benefit level regardless of whether the provider they choose is preferred or non-preferred. Members can use any licensed dental care provider.
With Dental Vantage Plus, members pay less out-of-pocket when they receive services from a preferred dental provider. They still have the freedom to choose non-preferred providers for covered services.
This plan offers the option for up to 100 percent of premiums to be funded by employees at group rates.* Members pay less out-of-pocket when they receive services from a preferred dental provider. They still have the freedom to choose non-preferred providers for covered services.
With Preventive and Preventive+ employers provide coverage for important preventive care at a fraction of the cost of more comprehensive coverage. Available with both employer funded or voluntary options.
* See underwriting guidelines for participation requirements.
Each plan covers a range of services, including:
To provide additional dental benefits for your employees, you can also select:
Employers with 5 or more employees can lower out-of-pocket costs for employees by choosing to move periodontal and endodontic (root canal) services from the Major to the Basic category under the Dental Classic and the Dental Vantage Plus plans.
Employers with 26 or more employees can select from two orthodontia plans to offer employees. The plans offer a range of lifetime benefit maximums and age limits.
HSAs are employee-owned, tax-advantaged, fully portable accounts that work in combination with a qualified, high- deductible health plan. With an HSA, employees will have the opportunity to:
View the "Learn more about Health Savings Accounts" video.
Review this HSA solution flyer
HRAs are employer-owned and -funded arrangements that members can use to pay their cost-share for covered expenses. It is important to note that HRAs are not portable. If the employee leaves the company, any unused portion of the HRA (after all prior claims have been paid) reverts back to the employer.
FSAs are employer-sponsored, tax-advantaged healthcare spending accounts that members can use to pay for eligible expenses. Here are a few things to know about FSAs:
View the "Learn more about Flexible Spending Accounts" video.
Review this FSA solution flyer
LifeWise has selected USAble Life Inc., a company focused on supporting health plans with Life and Disability offerings, to assist groups to create an integrated benefits program to help reduce disability and healthcare costs, improve health and increase workforce productivity.
Employers of 10 or more enrolled employees can choose from the following:
Our affiliate, LifeWise Assurance Company, assists groups to create just the right Medical Stop Loss for their needs. This product provides employers that elect to self-fund their medical plan a reinsurance contract to protect from catastrophic loss.
Ask your LifeWise representative for details.
Large Group (51+ employees)
2015 Master Application
2014 Master Application
Master Application Benefit Selections - HRA
Enrollment and Renewals
Business Employment Verification Statement
Coordination of Benefits Questionnaire
Deductible Credit Form
HRA - Electronic Funds Authorization
Standardized Group Profile
Tax Documentation - What's Needed
Disclosure and Privacy
Information Release Form - Give someone permission to obtain and discuss your personal and health information, including sensitive information such as substance abuse, reproductive health, and mental health. You can also authorize members on your plan to see your sensitive information on LifeWiseOR.com or ConnectYourCare (medical funding account).
Authorization for Release of Psychotherapy Notes
Disclosure Accounting Request
Information Release Form - Give someone permission to obtain and discuss your personal and health information, including sensitive information such as substance abuse, reproductive health, and mental health. You can also authorize members on your plan to see your sensitive information on Premera.com or ConnectYourCare (medical funding account).
Request for Amendment of Records
Request for Inspection of Records