Get the Answers You Need
Confused or overwhelmed by all the coverage options out there? On this page you can find answers to some common questions about health care coverage with Cascade Select plans.
Plan Frequently Asked QuestionsAre all Cascade Select plans the same across carriers?
No. All Cascade Select plans offer the same set of benefits and the same deductibles, copays, and coinsurance. But there may be differences in monthly premiums, provider networks, care management services, and extra benefits.
You can use the tools in Washington Healthplanfinder to sort by what’s most important to you – premiums, deductibles, etc.
Generally, there are two types of financial help available to those who qualify: tax credits and cost-sharing reductions.
Tax credits help lower the cost of your health insurance premium payments each month. Tax credit amounts are based on your income and are set by the federal government. When you fill out an insurance application through Washington Healthplanfinder, you’ll find out if you qualify for these savings.
Cost-sharing reductions mean you could pay less for things such as doctor’s visits, lab tests, and drugs. To qualify, your income must be below 250% of the federal poverty level, and you must choose a Silver-level plan. (American Indians and Alaska Natives can also qualify to get these cost-sharing reductions when they enroll in a Bronze or Gold plan.)
You can sign up for a Cascade Select plan through Washington Healthplanfinder. You can also call CHNW for help with the enrollment process. Call us at 1-833-993-0181 (TTY Relay: Dial 711) from 8 a.m. and 5 p.m., Monday through Friday.
The 2021 open enrollment period for coverage starting February 1 ended on January 15, 2021. You may be able to sign up outside the open enrollment period if you experience certain life changes or special circumstances. Read about special enrollment periods.
In that case, just call your primary doctor and ask them to refer you to a specialist who is out-of-network. CHPW will cover your visit as though it was an in-network doctor after a referral is made.
Cascade Care is legislation that created new, affordable health insurance coverage options for Washington residents. The options are available through Washington Healthplanfinder, the online marketplace operated by the Washington Health Benefit Exchange.
Cascade Select is a type of “public option” health insurance plan under Cascade Care. Cascade Select plans are offered by Qualified Health Plans such as Community Health Network of Washington under a contract with the state.
Gold, Silver, and Bronze are what’s referred to as “metal” categories for health plans offered through Washington Healthplanfinder. Metal categories are based on how you and your plan split the costs of your health care. They have nothing to do with quality of care, which is the same across plans. Plans in all categories provide free preventive care, and some offer selected free or discounted services before you meet your deductible.
There is no income qualification. Cascade Select plans are designed for Washingtonians who cannot get coverage through their job or do not qualify for other programs like Apple Health (Medicaid) or Medicare.
If you earn too much to qualify for low-cost or free health care under Apple Health (Medicaid) and you’re not yet 65 years old (Medicare), Cascade Select might be right for you. You must be a U.S. citizen or legal resident.
Don’t see your question answered here? Feel free to contact CHNW Cascade Select for assistance at 1-866-907-1906 (TTY Relay: Dial 711). Our friendly, local Customer Service team is available from 8 a.m. to 5 p.m., Monday through Friday.