All CHPW Individual & Family Plans (Cascade Select Gold, Silver, and Bronze) cover the same essential health services when you get care from our trusted in-network providers.
What you pay out-of-pocket when you get care or fill a prescription depends on your plan’s deductible and copays or coinsurance. To view differences, compare plan costs side-by-side.
Benefit highlights
Free preventive care
You pay nothing to get vaccines, yearly checkups, and routine screenings like cholesterol tests, mammograms, colonoscopies, or other doctor visits for recommended preventive services.*
Primary care
$1 copay for your first two visits with Silver and Bronze plans. Use it when you’re sick, injured, or have symptoms you’re concerned about.
In-person and virtual doctor visits are covered, with low and predictable copays. Copays for additional visits vary by plan.
Specialty care
No referral needed to see an in-network specialist. No in-network specialist near you? Your primary care provider can help you request prior authorization to see an out-of-network specialist.
Not sure what type of specialist you need?
LGBTQ+ health
Gender affirming care, community support services, and supportive mental health care unique to your individual needs. May include primary care, specialty care, prescription drug benefits, and surgical services.
Labs, x-rays, and diagnostic imaging
Services recommended by a licensed provider for diagnosing a condition are covered. Out-of-pocket costs for labs may be different than labs you may get at no cost for routine preventive care.
Urgent care, 24/7 nurse advice, and emergency care
We’re here when you need us with in-network urgent care providers all over Washington. Our 24/7 Nurse Advice Line is free exclusively for CHPW members and emergency care in or out-of-network is covered.
Find an urgent care location near you ➜
Virtual care
Visit a doctor by phone or video at any time, day or night, without having to leave your home with 24/7 care through CHPW Virtual Care.
Mental and behavioral health
No referral is needed to see an in-network provider for therapy, including inpatient or residential care. Outpatient medically necessary treatment for mental health and substance use disorder is also covered.
Kids Vision
Kids only vision coverage, up to age 18. Includes routine vision screenings, eye exams, and free eyeglasses or contact lenses. Routine vision services are not covered for adults.
Acupuncture and chiropractic care
Complementary treatments are covered for pain, stress, substance use disorder, or for other conditions.
Pregnancy, postpartum, and newborn care
Beyond full coverage for all your routine pregnancy care, we offer one-on-one support to help you and your baby get the right care for you.
Prescription drugs
Get prescriptions from your local in-network pharmacy or mailed directly to you with predictable costs based on your medication type and plan. 90-day supplies also available for some drugs.
Plan details and documents
For in-depth benefit details, like what’s covered and not covered, limitations, and other rules for all Individual & Family plans review the 2025 Evidence of Coverage.
Already a member? For more details about services and procedures covered, limitations or exclusions, and out-of-pocket costs check your plan documents, login through the Member Center, or contact Customer Service.
How to use your benefits
Your health coverage is here if you get sick, but it’s also here to keep you healthy today!
Things you can do to get the most out of your health plan:
- Create your online accounts at the Member Center
- Complete a yearly health assessment to build your care plan
- Identify your primary care provider or your regular doctor
- Schedule a yearly checkup at your clinic
- Calculate costs for services or treatments
We’re here to help you find a doctor, schedule appointments, coordinate rides to medical visits, and partner with you to reach your best health.
Learn more about our Care Management team ➜
*Under the Affordable Care Act (ACA), most health plans must cover certain preventive services, such as vaccinations and screenings, with no out-of-pocket costs to you (i.e., $0 copay).
For more information, see the List of Covered Preventive Services (healthcare.gov) and coverage information from the Office of the Insurance Commissioner.
