KPS Health Plan has provided its clients with top notch service a high quality, economical health care for over 60 years. KPS Health Plan was founded by a group of doctors from the Kitsap Medical Society in 1946. They offer a wide range of heath care plans for individuals, small and large businesses, families, federal employees and other association in Washington State.
Members of KPS Health Plan are given access to the large KPS Health Plan provider network. This network includes: the MultiPlan, First Choice Health and Providence networks. There is no need to get a referral, although it is worth remembering that the Home Choice option does have some limitations. KPS Health Plan is a fairly small health care provider (its members number in the thousands) that takes tremendous pride in providing high quality and personalised care to its customers.
When you call the KPS Health Plan customer support line you will speak to someone who is friendly, local and who will go out of their way to make sure that you get the answers that you need with the minimum amount of hassle.
Because of its compact size, KPS Health Plan is able to develop more innovative and creative means to give you top notch benefits with a highly competitive pricing structure for all of your medical insurance needs.
The KPS Health Plan LifeWise program is an economical, high quality health care program that is open to residents of Oregon. Members of the plan are given the choice between a number of different products and benefit options. The LifeWise customer service is of the same high quality as other customer service offered by the other KPS Health Plan programs. You can also work online over a secure network when dealing with issues concerning your coverage.
The KPS Health Plan LifeWise is headquartered in Portland, Oregon with its operations run out of Bend, Oregon. Over 160,000 people who live across the state of Oregon are subscribers to the KPS Health Plan LifeWise program. Plan members have access to more than 3,000 health care providers.
KPS Health Plan LifeWise Options
KPS Health Plan LifeWise offers three main options, all of which can be tailored to fit your financial needs and personal life situation. The Wise Essentials plan gives you top grade coverage with great financial value. The Wise Choices plan is a more comprehensive option and finally there is the health savings account based Wise Savings plan that has a tax advantaged savings account attached to it.
All of the KPS Health Plan LifeWise options include coverage and benefits that are designed to work with your personal needs and lifestyle. Wellness care in the forms of preventative screenings, heart and vascular checks, nutrition and endocrine screening are all included. Preventative examinations are also part of the plan including routine physicals, gynaecological exams, school physicals and other preventative care.
If you need low monthly premiums and a more basic plan that is highly affordable, then the KPS Health Plan Wise Essentials plan is the right option for you. Wise Essentials deductibles run between $1,500 and $7,500 and have a 25% co-insurance applied. With this plan you can also buy up to a 30 day supply of generic prescription drugs for only $20.
The most comprehensive option that KPS Health Plan offers is its Wise Choices plan. This plan gives you the choice of different levels of deductibles and co-pays. They range between $500 and $5,000 with co-insurance set at a level of 20%. A per visit co-pay is applicable to preventative exams, alternative care, doctors office visits and health screenings. There are also optical and accident sub-plans that can be added to your policy.
The KPS Health Plan Wise Savings plan is a health savings account that is run in concert with a high deductible health insurance plan. This option gives you the means to set up a savings account with an accredited financial institution and then to use the funds that you put in the account to cover the costs of qualified medical expenses over the cost of the year. The funds are tax free if they are used for medical expenses. The deductibles run between $3,000 and $6,000 for families with a 20% co-insurance payment.