Asuris Northwest Health Insurance Review & Complaints: Health Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

Spokane-based Asuris Northwest Health offers individual and family health plans in two states. Their coverage area includes parts of Washington and Idaho, with a variety of plan options.

What is Asuris?

Asuris Northwest Health has been writing health insurance coverage for 60 years. The company was founded in Spokane, Washington, and has since expanded its health care coverage to several counties in Washington as well as parts of Idaho. They cover 16 counties and have approximately 50,000 members.

The insurer offers a range of health plans with varying levels of coverage. EPO and HSA plans are both available across the Bronze, Silver, and Gold levels for individuals and families, and Medicare plans are also offered.

In 1994, Asuris was purchased by Regence BlueShield, becoming a fully owned subsidiary. Both companies are owned by the parent company Cambia Health Solutions. The headquarters remain in Spokane.

What types of health insurance plans are available?

There are several types of plans offered which have varying levels of health plan benefits available. While costs are not listed on the website, it would seem that those on a health care budget would be able to find affordable health insurance at one of the levels offered through Asuris.

Bronze Plans

The Bronze HSA 5000 Preferred Plan comes in two forms, one with and one without dental and vision coverage. Under this plan, most treatment is covered with a 50% coinsurance amount, and the HSA allows pre-tax saving to pay these amounts. Everyone deserves a health plan quality that ensures lasting health outcomes.

This plan has a $5,000 in-network deductible for individuals and $10,000 for families, with out-of-network deductibles doubled. Prescription drugs are covered, most at a 20% coinsurance.

The version of the plan that includes dental and vision carries a $50 individual and $150 family deductible for dental care, with a total coverage limit of $750 per year.

The Bronze Essential 7150 EPO RealValue Plan is a higher deductible plan that does not include an HSA. In-network coverage carries a $7,150 individual and $14,300 family plan. There is no deductible and no coverage at all offered for care from an out-of-network health care provider.

Office visits with this plan have a $60 copay, while many items, such as tests, are covered at 100%. Generic drugs are also covered with a 0% coinsurance, while preferred brands have a 20% coinsurance.

This plan is also available with a dental and vision coverage addition, which has the same coverage as the other Bronze plan.

Silver Plans

The Silver 3000 Preferred Plan carries a $3,000 individual and $6,000 family deductible for in-network care. Out of network deductibles are more than double that amount, at $8,000 and $16,000 respectively.

This plan has a $30 copay for primary care office visits and a $50 copay for specialist visits. Prescription drug coverage has a variety of coinsurance amounts, starting at a $10 copay for generic drugs.

The Silver HSA 2500 Preferred Plan offers a lower deductible and includes the use of an HSA account to save pre-tax dollars for healthcare costs. In-network deductibles are $2,500 for individuals and $5,000 for families, with out-of-network deductibles slightly more than double.

Most care is covered with a 20% coinsurance amount. Prescription drugs start at a 10% coinsurance amount.

The Silver Essential 3500 EPO RealValue Plan has a $3,500 individual and $7,000 family deductible in-network, with no out-of-network coverage available. Copays for primary care and specialist visits are both $30, with a variety of other coinsurance amounts for other services. Generic drugs start at a $10 copay.

All of the Silver plans are available with the dental and vision add-on option, providing the same coverage as with the Bronze plans.

Gold Plans

Only one Gold level plan is available, although it can be purchased either with or without the dental and vision option.

The Gold 1000 Preferred has a $1,000 individual and $2,000 family deductible in-network, and $5,000/$10,000 out of network. Primary care visits have a $20 copay, and specialist visits have a $40 copay. Prescription drugs start at an $8 copay for generic drugs.

Medicare Advantage

The TruAdvantage plan is a PPO Medicare Advantage plan with no deductible and prescription drug coverage starting at a $0 copay depending on the Rx coverage level you select. This plan includes dental and vision coverage as well as worldwide emergency coverage.

Medicare Supplement

The company offers Medicare Supplement plans A, C, F, G, K, and N. A is the most basic of the plans, covering coinsurance amounts for medical, and hospital care. Plan F is the most comprehensive, covering nearly all potential out-of-pocket costs. The other plans offer in-between options to meet individual needs and budget.

Part D Prescription Drug

It also offers stand-alone Part D drug coverage options for people on original Medicare. Plans offer no deductible and copays for drugs starting at $0.

Does the insurer offer competitive rates?

The company does not offer rate information on their website, nor is there an option for health insurance quotes. This is fairly common for smaller health insurance companies, although frequently we do see rates offered for Medicare plans. If you have any questions about a certain measure of health plan, don’t hesitate to reach out.

Asuris Northwest Health Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Asuris Northwest Health Insurance offers a convenient claims process for its policyholders. While specific details may not be provided in the content, the insurer typically allows policyholders to file claims through multiple channels, including online, over the phone, and possibly through mobile apps.

This multi-channel approach ensures that policyholders can choose the method that suits them best, making it easy and accessible to report claims.

Average Claim Processing Time

Unfortunately, the content does not provide information on the average claim processing time for Asuris Northwest Health Insurance. The speed at which an insurance company processes claims is crucial for policyholders who rely on timely payouts to cover medical expenses.

It would be advisable for prospective policyholders to inquire directly with the insurer or check their official website for information on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

The content mentions that Asuris Northwest Health Insurance currently holds an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file in the past three years. While this suggests a positive track record, the content does not provide specific customer feedback on claim resolutions and payouts.

Prospective policyholders interested in the insurer’s claims satisfaction should consider seeking out additional customer reviews and testimonials or reaching out to the insurer directly for more information.

Digital and Technological Features of Asuris Northwest Health

Mobile App Features and Functionality

The content does not delve into the specific features and functionality of Asuris Northwest Health Insurance’s mobile app. However, as a modern insurance provider, it is likely that they offer a mobile app to enhance the digital experience for their policyholders.

Potential policyholders interested in mobile app features should visit the official Asuris Northwest Health Insurance website or app store listings to explore the app’s capabilities.

Online Account Management Capabilities

Details regarding the online account management capabilities offered by Asuris Northwest Health Insurance are not provided in the content. Many insurers offer online account management tools that allow policyholders to access policy information, view claims status, make payments, and more.

Prospective policyholders should check the insurer’s website or contact their customer service for specifics on online account management features.

Digital Tools and Resources

The content does not elaborate on the digital tools and resources provided by Asuris Northwest Health Insurance. Insurance companies often offer digital resources such as educational materials, healthcare provider directories, and wellness programs to support their policyholders.

Are the ratings and consumer reviews positive?

Asuris currently has an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file in the past three years.

There are three reviews on Google for Asuris. Two appear to be from members, and the other from a provider network. It is worth noting that there is one positive review from a member, it is not too often we see positive reviews.

While we were unable to find much else in the way of ratings or reviews, we did find that Asuris and Regence were fined in 2016 for violations of insurance regulations relating to consumer access. The fine, $750,000, appears to have been paid and the problem rectified.

What’s the bottom line?

Asuris offers a good range of plans for a regional company. While we are unable to determine where they fall in terms of rates, they do appear to have a plan that is likely to work for all budgets. There is little in the way of complaints, which is generally good news for an insurance company, making them worth putting on the list for those in the service area.