What Plan Choices Do I Have?

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  • In Washington, small group health insurance policies must cover certain benefits. Washington does not require health insurers to offer standardized policies to small employers. However all small employer policies must cover, at a minimum, the same benefits that are required by policies offered through Washington Basic Health (see Chapter 5).In addition, Washington requires all small group health insurance policies to cover certain mandated benefits, for example, diabetes treatment and mammograms. Beyond these requirements, small group health insurance policies may vary significantly. Insurers may sell policies that cover additional benefits beyond those required by law. In addition, insurers have flexibility to vary cost sharing (deductibles, co-pays, etc.) under the policies they design. It is important to review your choices carefully before buying a policy for your employees.
  • For more information about which benefits must be covered under small group health insurance policies, check with the Washington State Office of the Insurance Commissioner at (800) 562-6900.

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