Health Insurance Solutions for Individuals
Solution: HDHP + HSA (Qliance)

The rising cost of health care is exceeded perhaps only by the rising cost of health insurance. Many individuals find their annual health insurance costs increasing exponentially. Others find that even with a “catastrophic” insurance plan, basic medical care (the type of care that is used most often) is not covered, resulting in more out-of-pocket expenses.

Luckily, there is a solution. By pairing an individual, high deductible insurance plan with direct primary, preventive and wellness care from Qliance, you get less expensive insurance coverage in the event of a major medical problem, while ensuring affordable access to primary care for your routine medical needs.

High Deductible Insurance Plans

A deductible, in insurance terms, is the amount you must pay for health care before payments from the insurance company begin. After the deductible is met, insurance companies typically pay 50 to 80 percent of covered expenses up to certain annual limits, depending on the plan.

In general, the higher the deductible, the lower the monthly premium. You will save a substantial amount in premiums, in exchange for paying more in out-of-pocket costs before insurance coverage begins, including expenses for routine primary and preventive care.

Health Savings Account

One way to ensure that you are able to meet the increased out-of-pocket expenses associated with a high deductible health insurance plan is to set money aside each month in a readily accessible tax-free savings account. Thanks to recent federal legislation, a Health Savings Account is a new option that is growing in popularity for this purpose. Certain “qualified” high deductible insurance plans allow you to open a health savings account and make tax-exempt contributions that can be used for medical expenses not covered by your insurance. Several insurance carriers in WA State offer HSA qualified individual insurance plans at competitive rates.

Qliance Primary Care

Another way to ease the transition to a high deductible insurance plan is to join Qliance Primary Care. The combination of Qliance plus high deductible insurance leverages the best characteristics of both types of health care coverage: the better access, exceptional service and low prices that are the hallmark of direct primary care plus the affordable coverage provided by high-deductible insurance.

Enrollment

Qliance Primary Care accepts registration forms on a rolling basis which means that you can join the practice at any time. However, health insurance carriers typically require their forms to be submitted by a specific day of the month in order to start coverage the 1st day of the following month. For any given insurance carrier, plan prices are fixed by law so you will get the same price no matter where you shop. Sales commissions for insurance plans are built into the monthly premium and paid by the carrier so there is no cost to you for consulting with an insurance broker.

Questions

Qliance is not an insurance broker nor do we solicit insurance business but we have some great cost savings ideas that may help you get more health care for less money. If you have questions about Qliance or would like a referral to a licensed insurance broker, please refer to the following links or call (206) 381-3030.

Online

eHealthInsurance 
Internet: www.ehealth.com/qliance
Customer service: 800-977-8860

In-Person

Strong Consulting Inc. 
Contact: Cameron Strong
Phone: 206-283-8737
Email:

Rapport Benefits Group
Contact: Beth Perry
Phone: 206-295-3679
Email:

Mutual Benefits, Inc.
Contact: Sarah Freeman
Phone: 206-709-2619
Email:

Family Heritage 
Contact: Joni-Kay Burwell 
Phone: 206-841-5190
Email:

Please Note: Qliance is not an insurance broker nor do we solicit insurance business. The recommendations and opinions expressed herein are those of Qliance and not necessarily those of any of the third parties including the brokers above.

In addition, Qliance has been advised by its professional advisors that the views expressed by Qliance as to the use of these various tax-favored plans are essentially correct. Qliance cannot offer tax advice or suggest that you rely on the advice it has received. Your individual tax advisor or consultant should be contacted for guidance before you actually utilize any of these tax-favored plans in connection with the payment of Qliance fees.