Our Most Frequently Asked Questions

  • I would like to purchase a health plan. Can I buy one now?

    Unfortunately, if you did not purchase a new health plan by February 15, it’s too late for you to buy a 2015 health plan unless you have a qualifying event. Otherwise, the next opportunity to buy a plan is during the 2016 open enrollment period that is expected to start in November 1, 2015.

    What is open enrollment? When is the open enrollment period?

    Open enrollment is the annual time period when you can apply for or make changes to your health plan. The open enrollment period for 2015 coverage ended February 15. The open enrollment period for 2016 individual health coverage begins November 1, 2015 and will run through January 31, 2016.

    Can I still change my plan?

    Whether you purchased your plan through the Washington Healthplanfinder or direct from us, you can only make changes outside of the open enrollment period if you have a qualifying event.

    Can I make changes to my plan outside of open enrollment?

    Only in certain circumstances. One of the new rules starting in 2014 is that you can only join or make changes to a plan during the open enrollment period. There are some exceptions, though: if you get married, have a child or lose your job, for example, you'll be able to make changes to your plan due to your qualifying life event.

    What is a qualifying event?

    A qualifying life event is a significant change to your life such as getting married, having a child or losing your job.

    I bought a 2015 health plan. How do I know that I’m covered?

    You should receive a welcome kit with a cover letter explaining your new plan and how to use it. You will also receive a welcome email with links to valuable resources. Please call us at 800-508-4722 with any questions about your health plan.

    It does take time to process your application once it has been submitted and you may not receive your ID card right away.

    If you purchased a 2015 health plan directly from Premera and have not yet received your ID card, you'll be covered by your plan starting on the day you selected. Doctors and hospitals can confirm your coverage directly with us.

    If you purchased your 2015 health plan through healthcare.gov, and have not received your ID card, there may have been a delay in processing your application. Please call healthcare.gov to confirm your application status.

    I need to use my health plan, but I don’t have my ID card. What should I do?

    If you need to use your plan before you receive your ID card, here’s what you can do:

    • To see the doctor or fill a prescription: In-network doctors, hospitals and pharmacies can confirm your coverage directly with us. You can still get care if you need it, even if you don’t have your ID card. You can also call us at 800-508-4722 and we’ll give you your ID number.
    • To manage your account on premera.com: The logged-in area of our website will help you view and manage claims, look up spending toward your deductible, and learn about the benefits with your plan. To register, you’ll need your member ID number, which you can get by calling us at 800-508-4722.

    I just bought a new health plan and need to cancel my old plan. How do I cancel my old plan?

    • Secure email: You can log in to our secure member portal and click on Secure Inbox under Member Services to email us your cancellation. Please include your ID number, the names of the people on the plan being cancelled, and the date you would like your cancellation to take effect.
    • Letter or fax: You can fax or send us a letter to cancel your health plan. We need a written or typed cancellation letter with your ID number, the names of the people on the plan being cancelled, the date you would like your cancellation to take effect, and your signature.
    • Mailing address:
      P.O. Box 91120
      Seattle, WA 98111
    • Fax: 425-918-3727
    • Call us: Call us at 800-508-4722 and we can take your cancellation over the phone.

    I thought I had cancelled my old plan, but I still received a bill. What should I do?

    In some cases, your cancellation may not have been received and processed in time to stop your bill going out or your account being debited. If you received a bill for a plan that has been cancelled, you do not have to pay that bill and it won’t affect your credit rating.

    I have Automatic Funds Transfer (AFT). I cancelled my old plan, but my bank account was still charged for it. What should I do?

    We’re sorry your account was debited for your cancelled plan. Call us at 800-508-4722, and we will make sure you get a refund as soon as possible.

    I would like to cancel my Automatic Funds Transfer (AFT). How do I cancel it? What date do I need to cancel by?

    Call us at 800-508-4722 and we can take your cancellation over the phone.

    You can also mail your cancellation request to:

    P.O. Box 91120
    Seattle, WA 98111

    To ensure prompt cancellation of your AFT, please submit your notice at least 20 days prior to your next scheduled transfer. Most transfers take place on the last Thursday of every month. We recommend submitting your cancellation by the fifth of every month in order to cancel for the following month.

    I need to visit the doctor, but I don’t have my ID card. What should I do?

    Doctors and hospitals can confirm your coverage directly with us. You can still get care if you need it, even if you don’t have your ID card. You can also call us at 800-508-4722 and we’ll give you your ID number.

    You can use your ID number to log into our member portal and print off proof of coverage, or use our mobile app.

    I purchased a 2014 health plan through healthcare.gov and made changes for 2015. I received my January bill and it doesn’t reflect my plan changes. What should I do?

    Make sure to pay the amount reflected in the bill. If you recently made changes to your plan, they may not be reflected in your bill immediately. There is sometimes a delay in the exchange of records between healthcare.gov and Premera.

    Future bills will be adjusted to reflect any changes to your plan. For example, if you made changes that reduced the cost of your plan and those updates were not reflected in your January bill, the amount you may have overpaid will be deducted from your February or March bill. Call us at 800-508-4722 with any questions.

    Where can I find more information online?

    For more information, visit Premera News.