About Small Group Plans

  • Oregon Market Exit

    LifeWise Health Plan of Oregon announced on April 21, 2016 that we will exit the Oregon market. As a customer, you can be assured we will support you through the duration of your plan, with most plans ending by Dec. 31, 2016.

    Learn more about LifeWise leaving the Oregon health plan market.

    Common questions about this change

    What happened?
    LifeWise Health Plan of Oregon has announced it is leaving the insurance market in Oregon. We are ceasing new sales in the group market and will remain on healthcare.gov in the individual market through the remainder of the year. Our focus is on making this transition as smooth as possible for our customers.

    What happens to LifeWise Health Plan of Oregon's customers?
    LifeWise will continue to service its customers while they have active coverage with us. For many customers, including those in the individual market, the last date of coverage will be Dec. 31, 2016. Some employer groups may continue into 2017 based on the date of their last renewal.

    Does this affect LifeWise Health Plan of Washington?
    No, LifeWise Health Plan of Washington is continuing to operate in Washington.

    Why is this happening?
    LifeWise chose to exit the state after careful and thorough consideration of current and projected market conditions.

    Who do I contact with further questions?
    LifeWise customers can call us at 855-869-6769.

    Learn more about LifeWise leaving the Oregon health plan market.

  • Our portfolio includes:

  • 2016 Medical Plans

    For specific details on our 2016 plans, review the following:

    Medical and Dental Benefit Guide

    Plan Summary Portfolio

    Summary of Benefits and Coverage

    Our 2016 portfolio includes:

    Passport PPO plans

    LifeWise Passport preferred provider organizations (PPO) plans offer a combination of up-front, first-dollar benefits and standard coverage for other services. A lower copay applies when the member visits their designated primary care doctor.

    Passport HSA plans

    LifeWise Passport HSA plans offer valuable benefits for covered services and are qualified to work in combination with an employee owned, tax advantaged health savings account (HSA).

    Assure EPO plans

    LifeWise Assure exclusive provider organization (EPO) plans offer a combination of up-front, first-dollar benefits and standard coverage for other services.

    Standard plans

    These plans were designed by the Oregon Department of Consumer and Business Services to be included in our plan offerings. They differ from the Passport plans in that they do not offer alternative care coverage.

    Employee-only plans

    All LifeWise small group plans are available for employees only.

    2016 Small Group Dental Plans

    LifeWise employer-sponsored dental plans meet the ACA requirement for providing pediatric dental essential health benefits. It's no secret good dental health affects your employees' overall health. LifeWise dental plans help both children and adults maintain healthy teeth.

    Plus, they have access to a nationwide network of more than 120.000 dentists for dental care.

    LifeWise offers dental options that help meet the cost and benefit needs of you and your employees.

    For more specific plan information, check out our medical and dental benefit guide and our dental plan summaries.

    Health Savings Accounts (HSA)

    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:

    • Save tax free for current and future medical costs
    • Choose whether and when to withdraw funds, tax-free, to pay for qualified medical expenses
    • Carry unused funds from year to year, allowing those funds to grow tax-deferred
    • Employee contributions are made pre-tax, saving both the employee and the employer taxes

    View the "Learn more about Health Savings Accounts" video.

    Review this HSA solution flyer

    Health Reimbursement Arrangements (HRA)

    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.

    Flexible Spending Accounts (FSA)

    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:

    • Employee contributions are made pre-tax
    • Employer contributions are tax-deductible
    • FSA funds do not roll over for future use: “Use it or lose it”
    • The employer is not permitted to refund any part of the balance to the employee

    View the "Learn more about Flexible Spending Accounts" video.

    Review this FSA solution flyer

    Personal Funding Account Timeline

    Forms are due by the 5th of the month

    Completed enrollment materials for NEW GROUPS must be received at LifeWise for HRA and HSA products for small groups beginning coverage on the first of the following month to ensure eligibility is active on the start date, and accounts are funded.

    Completed renewal materials for RENEWING GROUPS must be received at LifeWise for HRA and HSA products for small groups renewing contracts on the first of the following month to ensure eligibility is active on the start date, and accounts are funded.

    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.

    Small Group Pre-Packaged Plans

    Review our Small group pre-packaged plans flyer

    Small group pre-packaged plans brochure

    Groups with 2-50 enrolled employees have several options from which to choose for adding these financial benefits for their employees.

    True Group Options

    Group Life Insurance

    Enrolled employees in a group of 10 or more can choose from the following:

    • Group Term Life: Provides benefits to a beneficiary in the event of and employees death
    • Accidental Death and Dismemberment (AD&D): Provides benefits in the event of accidental death or dismemberment
    • Dependent Life: Provides benefits to the employee in the event of dependent's death(s)
    • Supplemental Life and AD&D: Provides additional coverage option for employees

    Disability Coverage

    Short-Term and Long-Term Disability Coveage provides benefits for income replacement in the event an employee is unable to work due to an illness or injury 

    Contact your producer or your LifeWise representative for more information on the package options we provide for small groups and for groups over 10 enrolled employees.

  • Resources and tools: