LifeWise Health Plan of Oregon

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Plan Benefits:
WiseEssentials Benefits | WiseChoices Benefits | WiseSavings Benefits
Plan Rates:
WiseEssentials | WiseChoices | WiseSavings

At LifeWise, the mission is to provide Oregonians with peace of mind about their health care coverage. We know that selecting the right health plan is an important decision. That's why LifeWise is committed to offering you the following advantages:

• NEW! Contraceptive Coverage for Individual Plans)
• Choice and value for different coverage needs and budgets
• Large network of more than 9,000 health care providers in Oregon and easy access to our Washington, Alaska and Arizona networks
• Service excellence with a local team dedicated to your satisfaction
• Prescription drug coverage in all plans
• Wellness support programs and resources to help you reach your personal health goals

All LifeWise health plans offer excellent values at competitive prices. We think you'll find a LifeWise plan that fits your health care needs.  

LifeWise Health Plans	Plan Summary Plan Rates	Plan Summary Plan Rates	Plan Summary Plan Rates
Features	• Affordable basic coverage • Lower monthly rates	• Broadest coverage • Choice of deductible and copay options	• Tax-advantaged savings plan • Lower monthly rates
Individual Deductible	$1,500 / $2,500 / $5,000 / $7,500	$500 / $1,000 / $2,500 / $5,000	$3,000 individual $6,000 family**
Coinsurance (what you pay)	25%	20%	20%
Coinsurance Maximum	$9,000	$7,500	$2,000 individual $4,000 family
Out-of-Pocket Maximum	Annual deductible + coinsurance maximum	Annual deductible + coinsurance maximum	Annual deductible + coinsurance maximum
Office Visits and Preventive Exams	No deductible applies on first six visits ($25 copay only); subsequent visits subject to deductible and 25%	$20 copay per visit	Preventive Exams: No deductible applies, you pay 20% Office Visits: Deductible applies first, then you pay 20%
Alternative Care (12 shared visits per calendar year for spinal manipulations and acupuncture)	$25 copay	$25 copay	After paying deductible, you pay 20%
Pharmacy (Retail 30-day supply)	$20 generic only	$20 generic; 50% brand	After paying deductible, you pay 20%; preventive generic cardiac drugs reimbursed at 100%*
Pharmacy (Mail Order 90-day supply)	$50 generic only	$50 generic; 45% brand	Not available
Maternity	After paying deductible, you pay 25%	After paying deductible, you pay 20%	After paying deductible, you pay 20%
Vision Care	Not covered	Exams covered in full (one  exam per two calendar years) $200 for frames, lenses and contact lenses (per two calendar years)	Not covered