Cascade Select Plan FAQs - Cascade Select powered by CHPW - Cascade Select

Cascade Select Plan FAQs

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Confused or overwhelmed by all the coverage options out there? On this page you can find answers to some common questions about individual and family health care coverage with CHNW Cascade Select plans, available through Washington Healthplanfinder.

Frequently Asked Questions

What are Cascade Select health plans?

Cascade Select plans are a type of health plan offered by CHNW and other insurance carriers on the Exchange. These plans have a standard cost-sharing design across metal levels (Gold, Silver, Bronze), meaning they have the same deductible, copay, and coinsurance amounts regardless of the carrier. CHNW Cascade Select plans provide affordable coverage for health care services centered around Community Health Center clinics. In several counties, CHNW plans are among the lowest-cost options available.

Are 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. CHNW Cascade Select plans focus on a local care network, anchored by the Community Health Center clinics closest to you. We try to keep our premiums low. Plus, we’re local, based right here in Washington. When you call us, you’re not reaching an out-of-state call center.

Can I get financial help to lower the cost of my coverage?
You may be eligible for financial help depending on your income: 

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.)

How do I sign up?

You can sign up for a CHNW Cascade Select plan through Washington Healthplanfinder. You can also call CHNW for help with the enrollment process. We are at 1-833-993-0181 (TTY Relay: Dial 711) from 8 a.m. and 5 p.m., Monday through Friday.

When can I enroll?

The open enrollment period starts November 1, 2021 for coverage beginning January 1, 2022. Open enrollment only lasts a limited time, so don’t miss it!

In addition, certain life changes or special circumstances may qualify you for a Special Enrollment Period outside of the open enrollment period. See the Washington Health Benefit Exchange (WAHBE) website for more information on Special Enrollment Periods and qualifying events.

What if I can’t find an in-network specialist near me?

Just call your primary doctor and ask them to refer you to a specialist who is out-of-network. CHNW will cover your visit as though it was an in-network doctor after a referral is made.

What is Cascade Care and Cascade Select?

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 (WAHBE).

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.

What are Gold, Silver, and Bronze plans?

Gold, Silver, and Bronze are what’s referred to as “metal” categories for health plans offered through Washington Healthplanfinder. The main difference among them is whether you want to pay less at the time you receive care, or whether you prefer to pay a lower monthly premium.

Metal categories 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.

Who is eligible for Cascade Select?

Cascade Select plans are designed for Washingtonians who cannot get coverage through their job or do not qualify for other health insurance programs like Apple Health (Medicaid) or Medicare. 

To be eligible, you must be a U.S. citizen or legal resident and live in the plan’s service area. Visit our Eligibility page for more details.

Become a CHNW Cascade Select member:

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Dental Coverage

Keeping your teeth and gums healthy is an important part of your whole health care plan. Dental coverage is included on select plans for yearly cleanings, x-rays, fluoride treatments, and other limited services.

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