Below is a quick overview chart of Lifewise plans.  Lifewise has a wonderful tool to get an individualized quote, Compare plans and Apply online here.

For additional information about the following plans, view the Individual and Family Health-Care Coverage Brochure (PDF).

	Plus	Preferred	Value	HSA PPO	HSA Choice
Deductible	$500, $1,000, $2,500, $5,000 or $7,500	$500, $1,000, $2,500, $5,000 or $7,500	$1,000, $2,500, $5,000 or $7,500	$2,500, $3,500 or $5,000	$2,500
Coinsurance %	20%	20%	30%	Differs by Deductible	20%
Coinsurance Maximum	$3,000	$4,000	$5,000	Differs by Deductible	$1,000
Out-of-Pocket Maximum	Deductible + Coinsurance Maximum	Deductible + Coinsurance Maximum	Deductible + Coinsurance Maximum	Deductible + Coinsurance Maximum	Deductible + Coinsurance Maximum
Office Visit Copay	$20	N/A	N/A	N/A	N/A
Deductible waived for office visits	Yes	No	Yes, for the first 3 visits per calendar year	No	No
Alternative Care	Yes	Yes	No	Yes	Yes
Pharmacy	No deductible, $20 copay for generics; 50% for brand name	No deductible, $20 copay for generics; 50% for brand name	Available as an optional benefit	Covered as any other benefit	Covered as any other benefit

LifeWise Individual and Family Plans

(Effective on or after Sept. 1, 2007)  Get a quote or apply online

Whether you choose the value-packed WiseEssentials plan, the comprehensive WiseChoices plan or the tax-advantaged WiseSavings you'll get benefits and health-care coverage that fit your lifestyle.

Preventive Services in our plans: Well-baby and newborn exams Routine physicals (for school, sports, work) Women's and men's annual exams Preventive immunizations Cancer screenings

Other important features: Prescription drug benefits Alternative Care benefits (Chiropractic and Acupuncture) Mammography covered in full Professional office visits (including Urgent Care and Naturopathy)

Plan Highlights

Complete plan information: Individual and Family Health-Care Coverage Brochure (PDF)

Get a quote or apply online
	WiseEssentials	WiseChoices	WiseSavings
LifeWise Health Plans Effective starting 9/1/07	Plan Summary (PDF) Plan Rates (PDF)	Plan Summary (PDF) Plan Rates (PDF)	Plan Summary (PDF) Plan Rates (PDF)
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