Premera Blue Cross Health Insurance
Premera Blue Cross Health Insurance does not endorse or sponsor this webpage, its contents or the IndividualHealthInsurance.org website. Trademarks herein are used by IndividualHealthInsurance.org for nominative purposes only and are solely the property of their respective registered owners.
Important Information About Premera Blue Cross
Premera Blue Cross is non-profit health insurance provider which is headquartered in Mountlake Terrace, Washington. It also operates regional offices in Seattle, Spokane, and Anchorage, Alaska.
Today, Premera Blue Cross serves more than 1.3 million customers in Washington and an additional 187,000 members in Alaska. The Washington network of healthcare providers consists of almost 20,000 qualified physicians and specialists and 100 hospitals. Combined, Premera Blue Cross employs more than 2,900 people in Washington and Alaska.
In 2008, Premera Blue Cross had $2.7 billion in annual operating revenues.
Premera Blue Cross has a simple mission- to offer its members quality, affordable health insurance which, in turn, gives each policyholder peace of mind about their healthcare coverage.
Premera strives to deliver efficient and courteous customer service by anticipating, listening, and responding to its members needs.
An Overview of Premera Blue Cross Health Plans
In 2002, Premera began to offer consumers a new approach when choosing health insurance plans. This new approach was called Dimensions and it consisted of consumer-friendly products and services, simplified operations, and state-of-the-art technology.
It also ushered in a new era of collaboration between Premera and its network of providers- the result being a significant decrease in unnecessary procedures and treatments which did not improve patient care and added tremendous costs. Today, Premera Blue Cross continues to recommend that its members learn how to make informed, responsible decisions regarding their own personal healthcare management.
Premera Blue Cross encourages its policyholders to take an active role in their own health and well-being by promoting wellness programs and informing them about positive lifestyle choices.
Both individuals and families can select health insurance policies from a wide range of plans. All of these plans offer members convenient access to a large, statewide network of qualified healthcare professionals. Each plan has a different range of annual deductibles, copayment amounts, and coinsurance percentages. By offering such a wide variety of policies, Premera Blue Cross ensures that all its members have the right coverage for their needs and personal circumstances.
The Heritage Protector Plus 20 plan provides health insurance coverage in the event of a catastrophic accident or major illness. It also fully covers one preventive care visit annually to a network provider for each person covered.
The Heritage Value Plus 30 plan provides coverage for illness or accidents and offers lower monthly premiums to consumers. Under this plan, annual deductibles can vary between $2,500 and $10,000.
The Heritage Preferred Plus 30 gives consumers health insurance coverage for major medical treatment and services, but also provides for routine preventive care. For in-network visits, the annual deductible is $1,000 with a 30% coinsurance once the deductible is met.
Competing Carriers
Blue Cross Blue Shield of Kansas City
Unity Health Care