Asuris Northwest Health Insurance Review & Complaints: Health Insurance

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. They also offer Medicare Advantage and Supplement plans.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Asuris Northwest Health

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.

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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.

How are claims filed?

Asuris is a healthcare company, so it is not unusual to see they do not offer anything in the way of claims information on the website. Claims are most often handled directly between the provider and the insurance company.

There is a member portal on the website, which likely allows members access to information about their claims and what is being covered.

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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.

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