Oct 1, 2009

Your Health Insurance Options

A link to the IA National Benefit Funds can be found under the "links" portion of this blog. The rate information is posted on their website. We participate in Plan C. If you cannot afford the IA Health Plan, there are other options. You can use your IA CAPP account to buy other insurance. Everyone should have at least catastrophic coverage!

I have come across a website: ehealthinsurance (or 1-800-977-8860) that does an excellent job of sorting though health care plans offered for individuals in the state of Washington. On it I have seen a number of no frills plans that offer completely covered preventative care, as well as protection against unforeseen catastrophic costs. Another interesting alternative for your basic care is Qliance. You would still need catastrophic coverage, but you would have access to unlimited primary care for a low monthly retainer ($35-$50/mo). Qliance can refer you to health insurance brokers to select a good match to their primary care service.

If you are having trouble getting or maintaining coverage through the IA plan, look into one of these options. They even offer a very affordable option for the person who seeks only preventative care and a medical safety net. (I am not endorsing a plan. It is your responsibility to see if any of them are right for you.) If your CAPP account balance is high enough, you may use the money for reimbursement for the premiums. (You will need to pay up front for these plans, but usually only one month at a time.) If you have money in your CAPP account beyond the premium, you could use it to cover some of the out of pocket expenses you might incur under these no frills plans. If you are planning on un-enrolling from the IA Plan, contact them regarding the process.

Confused? Call or email me.


Delia Mulhollandr>Business Representative IATSE, TWU #887
deliam@twu887.org (206) 478-8877