When it comes to reliable and accessible healthcare in the Pacific Northwest, Premera Blue Cross Spokane stands out as a trusted name. Serving individuals, families, and businesses across Washington, Premera offers a wide range of health insurance plans designed to meet diverse medical and financial needs. Whether you’re new to health insurance or exploring better options, this in-depth guide will help you understand what Premera Blue Cross offers Spokane residents and why it’s a top choice for comprehensive care.
What is Premera Blue Cross?
Premera Blue Cross is a not-for-profit, independent licensee of the Blue Cross Blue Shield Association. Headquartered in Mountlake Terrace, Washington, Premera has been delivering healthcare solutions for over 85 years. It offers a variety of plans across Washington and Alaska, including employer-sponsored health plans, individual and family plans, Medicare Advantage, and more.
In Spokane, Premera Blue Cross has a strong network of providers, hospitals, and specialists—making quality healthcare easily accessible for locals.
Why Choose Premera Blue Cross in Spokane?
Here are the key reasons why Spokane residents trust Premera for their health insurance:
1. Wide Network of Providers
Premera offers access to an extensive network of doctors, specialists, clinics, and hospitals throughout Eastern Washington, including major Spokane healthcare systems such as:
- Providence Health & Services
- MultiCare Deaconess
- CHAS Health
- Rockwood Clinic
2. Affordable Plan Options
Whether you qualify for ACA subsidies or are buying through your employer, Premera offers competitive premium rates with options tailored to different budgets. Plans range from high-deductible health plans (HDHPs) to more comprehensive coverage with low copays and deductibles.
3. Coverage That Travels
Premera’s partnership with the BlueCard® program allows Spokane members to access care across the country, ideal for college students, frequent travelers, or snowbirds.
4. Telehealth and Virtual Care
Premera has invested heavily in telemedicine. Members in Spokane can access 24/7 virtual care through services like Doctor On Demand and Teladoc, ensuring round-the-clock support for non-emergency medical needs.
5. Preventive Care and Wellness
Most Premera plans include free preventive services like annual checkups, vaccines, and screenings—empowering members to stay ahead of health issues.
Premera Blue Cross Plans Available in Spokane
Individual and Family Plans (Marketplace)
These ACA-compliant plans are available on the Washington Healthplanfinder exchange. They cover:
- Essential health benefits
- Maternity care
- Prescription drugs
- Pediatric services
- Mental health and substance use support
Premera offers Bronze, Silver, and Gold level plans in Spokane County, each catering to different healthcare needs and income levels.
Medicare Advantage and Medicare Supplement (Medigap)
For Spokane seniors, Premera provides:
- Medicare Advantage plans (HMO and PPO options)
- Medicare Supplement plans (Plan G, Plan N, etc.)
- Prescription Drug Plans (Part D)
These plans offer additional benefits like vision, dental, hearing, fitness programs, and wellness coaching.
Group & Employer-Sponsored Plans
For small and large businesses in Spokane, Premera designs customized group insurance solutions with value-added services such as:
- Employee Assistance Programs (EAP)
- Chronic disease management
- Behavioral health resources
Member Tools and Mobile Access
Premera members in Spokane benefit from a user-friendly online portal and mobile app to:
- Check coverage and benefits
- Find in-network doctors
- View ID cards
- Track claims and out-of-pocket spending
- Access wellness discounts
Customer Service & Community Engagement
Premera operates regional customer service hubs that offer local support. Spokane members can expect timely assistance via phone or through their secure online account. Additionally, Premera invests in community health by supporting mental health services, housing support, and nonprofit healthcare initiatives across Eastern Washington.
Reviews & Ratings
What Spokane Members Are Saying:
Positive Feedback:
- Fast claims processing
- Easy access to top-rated local doctors
- Great telehealth service
- Competitive premium for comprehensive plans
Areas of Concern:
- Limited dental coverage in some plans
- Premiums may be higher than competitors for older adults without subsidies
Third-party ratings:
- NCQA Accredited
- A- (Excellent) rating by AM Best for financial strength
- High satisfaction in J.D. Power regional health plan rankings (Pacific Northwest)
Final Verdict: Is Premera Blue Cross Spokane Right for You?
If you live in Spokane and value a health insurance provider with a strong regional presence, reliable coverage, affordable options, and a reputation for excellent service, Premera Blue Cross should be on your shortlist. From individual coverage to group insurance and Medicare options, Premera has a solution for nearly every health scenario.
To get the best plan for your needs, visit the official Premera website or enroll via Washington Healthplanfinder