Jeffrey Wade
Husky Health Insurance is a healthcare plan available to students at the University of Washington (UW). It is contracted with several commercial insurers, including Tricare and Lifewise, which offers the International Student Health Insurance Plan (ISHIP). Students are encouraged to carry their Lifewise insurance cards and present them when receiving medical or health-related services. While Husky Health Insurance covers a range of services, students can expect to pay out-of-pocket costs for many services, including co-payments, co-percentages, and deductibles. The University of Washington also provides an on-campus clinic, Hall Health Center, which is linked to UW Medicine and serves the UW community, including students.
| Characteristics | Values |
|---|---|
| Husky Health Insurance contracted providers | UW Medicine, Husky Health Center, and all UW hospitals and clinics |
| Husky Health Insurance plan types | Public option plans with lower deductibles, with the word "Cascade" in the name |
| Husky Health Insurance plan availability | Commercial insurers, Tricare Prime, Tricare Select, and HMO-style plans for active-duty personnel, retirees, and their families |
| Husky Health Insurance billing | Handled by the medical facility and LifeWise; students may receive and are responsible for any remaining medical bills |
| Husky Health Insurance coverage | 75% of most In-Network medical services, with the student paying the remaining 25% after a $100 quarterly deductible |
| Husky Health Insurance co-payments | Fixed amount paid by students for covered services, typically at the time of service, most commonly for pharmacy services |
| Husky Health Insurance co-percentages | Percentage of the cost of a covered service that students are responsible for |
| Husky Health Insurance Explanation of Benefits | Provided to students when a network provider submits a bill to LifeWise, indicating charges, negotiated amounts, and any remaining amounts owed by the student |
| Husky Health Insurance eligibility | University of Washington students, with specific email instructions provided upon enrollment |
| Husky Health Insurance contact | Customer service number on the back of the insurance card; LifeWise Assurance Company at 1-800-971-1491 for network provider inquiries |
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What You'll Learn
- Husky Health Insurance is contracted with public option plans
- International students can get Husky Health Insurance through the International Student Health Insurance Plan (ISHIP)
- Students with a LifeWise Assurance insurance card don't need to submit a claim
- Students can expect to pay out-of-pocket costs for many services
- Husky Health Insurance is not contracted with Community Health Plan of Washington (CHPW)
Husky Health Insurance is contracted with public option plans
Husky Health Insurance is a public health insurance program that offers coverage to a wide range of individuals. The specific plans available vary depending on the state and the individual's circumstances.
In Washington, Husky Health Insurance is associated with the University of Washington (UW) and its Medicine/Husky Health Center. While Husky Health Insurance itself is not mentioned, students at UW have access to various health insurance plans and providers. The International Student Health Insurance Plan (ISHIP), through Lifewise, is one option for students. After enrolling in ISHIP, students receive instructions on creating an account in the Lifewise portal, which offers helpful tools. Students are encouraged to carry and present their Lifewise insurance cards when receiving medical services, and billing is typically handled between Lifewise and the medical facility. While ISHIP covers a range of services, students can expect out-of-pocket costs for many services, including co-payments, co-percentages, and deductibles.
Since 2021, Husky Health has been contracted only with the "public option" plans offered by specific insurers. These public option plans have a lower deductible and can be identified by the word "Cascade" in the plan name. To confirm if a specific plan is contracted with Husky Health, individuals should contact their insurance provider using the customer service number on their insurance card and complete the Know Your Benefits worksheet.
In Connecticut, Husky Health Insurance, also known as HUSKY Health, provides coverage for eligible individuals, including children, parents, relative caregivers, elders, individuals with disabilities, adults without dependent children, and pregnant women. There are different types of Husky Health plans, such as HUSKY A, B, and D, each with specific eligibility requirements based on factors like income and family status. For instance, HUSKY A covers pregnant women, children, and parents or caretaker relatives, while HUSKY B provides prenatal care for pregnant non-citizens. Additionally, the Covered Connecticut Program offers free health coverage for those who don't qualify for Husky Health/Medicaid.
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International students can get Husky Health Insurance through the International Student Health Insurance Plan (ISHIP)
International students at the University of Washington (UW) can get Husky Health Insurance through the International Student Health Insurance Plan (ISHIP). All matriculated international students in F-1 or J-1 status are required to purchase the UW ISHIP. Students with F-1 and J-1 visas will be automatically enrolled in the student-only insurance coverage each quarter they are registered for classes.
The Husky Health Center accepts ISHIP and offers benefits not available at other medical facilities. The center is located on the UW campus and provides treatment for basic medical conditions for current UW students, faculty, staff, and the surrounding community. The center is open Monday through Friday from 8:00 a.m. to 5:00 p.m. and 24-hour care is available at several nearby hospitals, including the University of Washington Medical Center.
The ISHIP is composed of three types of insurance: medical, dental, and vision, each administered by a different company or network provider. Students are encouraged to carry and present their LifeWise insurance cards whenever they receive medical or health-related services. Billing is typically handled between the medical facility and LifeWise, and students are responsible for paying any remaining amounts after LifeWise has paid its portion.
Students can expect to pay out-of-pocket costs for many services in the U.S., including co-payments, co-percentages, and deductibles. A co-payment is a fixed amount that students pay for a covered service, usually at the time the service is rendered, while a co-percentage is a percentage of the cost of a covered service that students are responsible for. Most in-network medical services are covered at 75%, with students paying the remaining 25% after a $100 quarterly deductible.
Students who plan to travel to the U.S. before the effective date of ISHIP coverage are encouraged to purchase separate short-term medical coverage for this period.
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Students with a LifeWise Assurance insurance card don't need to submit a claim
Husky Health Center is a full-service student medical clinic located on the UW Seattle campus. Students are advised to go to the Husky Health Center for all non-emergency services. Students receive the highest level of ISHIP coverage at the Husky Health Center and can access several subsidised services at no extra cost.
Students with a LifeWise Assurance insurance card are not required to submit a claim. They should present their LifeWise insurance card when they see a doctor or other providers as proof of being insured. The student's Member ID number is printed on the LifeWise insurance card and can be found in the welcome email. Billing is handled by the medical facility. After the medical facility receives payment from LifeWise, the student may receive and is responsible for paying any remaining medical bills.
Students are encouraged to carry and present their LifeWise insurance cards whenever they receive any medical or health-related services. To find doctors and other healthcare providers in western Washington and the surrounding areas, students can review the LifeWise website or call LifeWise Assurance Company at 1-800-971-1491.
Students can also create a student portal account on the LifeWise website using their Member ID Number. Although not required, having a portal account provides various helpful tools and will not impact insurance coverage in any way.
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Students can expect to pay out-of-pocket costs for many services
Students in Washington State can get Husky Health insurance, which is contracted with many insurance plans. The International Student Health Insurance Plan (ISHIP), through Lifewise, is one such example. Students are encouraged to carry and present their LifeWise insurance cards whenever they receive any medical or health-related services. While billing is normally handled between the medical facility and LifeWise, students may be responsible for paying any remaining costs that LifeWise does not cover.
Although ISHIP provides coverage for a range of services, students can still expect to pay out-of-pocket costs for many services in the U.S. Out-of-pocket costs refer to the expenses that students are responsible for, including co-payments, co-percentages, and deductibles. A co-payment is a fixed amount that students pay for a covered service, usually at the time the service is rendered. Pharmacy services are the most common instance where students will encounter co-payments. A co-percentage, on the other hand, is a percentage of the cost of a covered service that students are liable for.
When choosing an insurance plan, it's important to consider the balance between the deductible and the monthly premiums. The deductible is the amount of money you must pay each year before your insurance starts covering services. If you rarely use healthcare, a lower monthly premium may be preferable. On the other hand, if you frequently require healthcare, you may opt for a lower deductible. It's also crucial to determine if your preferred healthcare providers are included in the plan's network and if they are conveniently located.
Additionally, it's worth noting that Husky Health is not contracted with the Community Health Plan of Washington (CHPW). To know if your plan is contracted with Husky Health, you can call the customer service number on your insurance card and complete the Know Your Benefits worksheet. This list of contracted plans may change, and it does not guarantee that all services will be covered by Husky Health.
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Husky Health Insurance is not contracted with Community Health Plan of Washington (CHPW)
Husky Health Insurance is a student health insurance plan offered by the University of Washington (UW). It is available to both domestic and international students studying at the university. While Husky Health Insurance provides coverage for a range of medical services, it is important to note that it is not contracted with Community Health Plan of Washington (CHPW).
The University of Washington offers various health and wellness services to its students, including medical care, counselling services, recreation classes, safety resources, and peer health advocacy. To ensure that their insurance plan is accepted by UW Medicine and the Husky Health Center, students should review the list of marketplace insurance plans contracted with these entities. This list includes both private insurance and Medicaid plans, with the latter offering standard benefits despite differing networks of providers.
To confirm their insurance coverage, students can contact their insurance company and provide UW's tax ID number: 91-1220843. Additionally, students can refer to the Know Your Benefits worksheet and call the customer service number on the back of their insurance card. This will help them determine if their plan is contracted with Husky Health/UW Medicine. It is worth noting that the list of contracted plans may change, and students should be aware that their insurance may not cover all services provided by Husky Health/UW Medicine.
For international students at UW, the International Student Health Insurance Plan (ISHIP) is available through Lifewise. This plan covers most in-network medical services at 75%, with the student paying the remaining 25% after a $100 quarterly deductible. For non-network medical services, ISHIP covers 60% of the costs, while the student pays the remaining 40% after the deductible. Students with ISHIP are encouraged to carry and present their Lifewise insurance cards when receiving medical or health-related services.
In summary, while Husky Health Insurance is a comprehensive student health insurance plan offered by the University of Washington, it is important to note that it is not contracted with Community Health Plan of Washington. Students should take the necessary steps to confirm their insurance coverage and understand the specific benefits and limitations of their chosen plan.
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Frequently asked questions
Husky Health Insurance is a program that offers coverage to eligible children, parents, relative caregivers, elders, individuals with disabilities, adults without dependent children, and pregnant women. Husky Health is also contracted with commercial insurers, including Tricare and the LifeWise Assurance Company.
The only way to know for sure if your plan is contracted is to call the customer service number on the back of your insurance card and complete the Know Your Benefits worksheet.
Husky Health Insurance is provided by the University of Washington (UW) through the International Student Health Insurance Plan (ISHIP). Students enrolled in ISHIP will receive an email with instructions on how to create an account in the LifeWise portal. Students are encouraged to carry and present their LifeWise insurance cards whenever they receive medical or health-related services.
