Health Insurance Information Service
During the COVID-19 pandemic, remote consultations are available.
The Washington Hospital Health Insurance Information Service is a free and confidential service that can provide you with all the information
you need to make an informed decision about your health insurance. You
may reach this service by calling 510.818.7005 anytime from 8 a.m. to
5 p.m., Monday through Friday. You may either have your questions answered
over the phone or set up an appointment for a personal consultation. For
a current list of health plans accepted by Washington Hospital Healthcare
See Washington Hospital’s Health Insurance Information Service featured
on Bay Area Healthier Together, a partnership between Washington Hospital
and ABC7. Click below to watch the 30-second video.
To view the full 5-minute video about Health Insurance Information Service,
The Washington Hospital Health Insurance Information Service will help you:
- Understand the difference in the choices you have for open enrollment from
- Understand health insurance policies and terminology
- Determine what to look for in a plan
- Maximize your benefits when both you and your spouse are enrolled in separate plans
- Explore health insurance options
- Use a resource list of licensed brokers to find a policy that best meets
- Access government-sponsored programs
- Determine which plans allow you to use Washington Hospital and its facilities
There are certain lifestyle issues that might affect your choice of health
insurance plans, such as:
- Have you recently married?
- Are you expecting any major life changes in the next year? For example,
moving to a new area, retirement, job change or relocation, divorce, child
attending college, birth or adoption of a child, or a dependent grandchild.
- Are you eligible for Medicare benefits?
- Are your children uninsured due to parents' employment issues and changes?
Types of Insurance Plans
Preferred Provider Organizations (PPO)
You choose providers in the insurer's network to receive maximum benefits.
You may see a provider outside the network, but you pay a higher share
of the cost. You may be expected to make payment at the time of service
for applicable co-insurance and deductible amounts.
Health Maintenance Organizations (HMO)
You choose a primary care physician or medical group to manage your health
care. You must obtain a referral to access specialists. Preventative care
is emphasized. No benefits are provided if you receive care from providers
not included in the network.
Covered California is an easy-to-use marketplace implementing the federal Patient Protection
and Affordable Care Act in California.
- Medi-Cal is a medical assistance program for individuals in the State of
California who are medically indigent and meet certain criteria. It is
financed by state and National funding.
- Medicare is the U.S. Government's health insurance program for senior's
age 65 and older and individuals with qualified disabilities.