Washington D.C. Health Insurance for Small Business, Non-Profits,
the Self Employed and Groups of Employees
 
NASRO
supports Washington D.C.'s efforts to make affordable health
insurance available to all of the District's residents.
NASRO
is a non-profit socially responsible business association
that is your consumer advocate. Our members includes many
of the District of Colombia's socially responsible businesses,
independent business professionals and employees, to which
it offers a number of benefit plans.
With
the choice of health insurance companies available limited
by mergers and the quality of care of group model HMO's
declining, consumers need additional choices.
NASRO
is working to build a socially responsible cooperatively
owned health insurance company in Washington D.C. and is
appealing for your support.
Capabilities
- Health Insurance Plans for Employed Individuals,
Graduating Students, People on COBRA and Employer Groups
- Health Savings Account Plans (HSA)
- Students & Youth Health Care Discount Cards
- Dental Insurance Plans
- Vision Insurance Plans
- Life Insurance Plans
- Short Term Disability Plans
- Long Term Disability Plans
- Medicare Supplement Plans
- Long Term Care Insurance Plans
Please call 800-638-8113
Employer groups
may find it more convenient to:
Download
a Proposal Request Form >
Individual Health
Insurance Plans
There are a wide
variety of choices of health insurance plans available to
you through NASRO. The following are plan outline documents
from which you can start the process of deciding which plans
are best for you at this time.
In Washington
D.C. one of the major issues facing consumers is the question
of individual medical underwriting, that allows insurance
companies to turn down people who have pre-existing medical
conditions. NASRO is actively opposed to this practice of
turning down for coverage the very people who need it the
most.
But, if you have
a pre-existing condition that may result in your coverage
being denied, there is an alternative better than the coverage
offered though the terms of the very expensive HIPPA program.
A special plan is listed in this section of the site from
which people with pre-existing conditions can enroll.
Please call the
NASRO office and our staff can help walk you through what
is many times a very confusing process that consumers need
an advocate like NASRO to successfully navigate. Call 800-638-8113
from 8am to 4pm Monday through Friday.
Aetna
High
Deductible Health Savings Account PPO 1
High
Deductible Health Savings Account PPO 2
Care First Blue
Cross & Blue Shield Plans
Blue
Choice Option 1 HMO
Blue
Choice Option 2 HMO
Blue
Choice Option 3 HMO
Blue
Choice Option 4 HMO
Blue
Choice Option 11 HMO
Blue
Choice Option 12 HMO
Blue
Choice Option 13 HMO
Blue
Choice Option 14 HMO
Blue
Choice Option A HMO
Blue
Choice Option B HMO
Blue
Choice Option C HMO
Blue
Choice Option D HMO
Blue
Choice Option E HMO
Blue
Choice Option F HMO
Blue
Choice Opt-Out Option 1 Plan
Blue
Choice Opt-Out Option 2 Plan
Blue
Choice Opt-Out Option 3 Plan
Blue
Choice Opt-Out Option 4 Plan
Blue
Choice Opt-Out Option 5 Plan
Blue
Choice Opt-Out Option 6 Plan
Blue
Choice Opt-Out Plus Option 1
Blue
Choice Opt-Out Plus Option 2
Blue
Choice Out-Out Plus Option 3
Blue
Choice Opt-Out Plus Option 4
Blue
Choice Opt-Out Plus Option 16
Blue
Choice Opt-Out Plus Option 17
Blue
Choice Opt-Out Plus Option A
Blue
Choice Opt-Out Plus Option B
Blue
Choice Opt-Out Plus Option C
Blue
Choice Opt-Out Plus Option D
Blue
Choice Opt-Out Plus Option E
Blue
Choice Opt-Out Plus Option F
Blue
Choice Preferred Option 1
Blue
Choice Preferred Option 2
Blue
Choice Preferred Option 4
Blue
Choice Preferred Option 5
Blue
Choice Preferred Option 7
Blue
Choice Preferred Option 8
Blue
Choice Preferred Option 9
Blue
Choice Preferred Option 10
Blue
Choice Preferred Option 11
Kaiser Permanente
of the Mid-Atlantic
We have several
different HMO plan design options available from Kaiser,
with a variety of office visit co-pays and out of pocket
maximums. Please call us at 800-638-8113 for a personal
consultation about the pros and cons of these plans.
Care First Blue
Cross & Blue Shield Special Open Enrollment Plan
For individuals
with pre-existing conditions who have been turned down for
coverage elsewhere. The rates for the plan listed along
with the application are for two months, not one month as
how rates are usually presented. So, the rates presented
need to be divided in half to arrive at the monthly rate.
- PPO Plan
- $750 individual deductible
- $3,500 out of pocket maximum
- $25 copay for doctor's office visits, not subject
to the deductible
- Lifetime Maximum Benefit is unlimited
- Hospitalization covered at 80%, up to the out
of pocket maximum, then covered at 100%, after deductible
- Outpatient surgery covered at 80% up to the out
of pocket maximum, then covered at 100%, after deductible
- Prescription drugs - Separate $100 deductible,
$10 generic copay, $25 preferred brand copay, $45 non-preferred
brand copay; $1,500 annual benefit maximum
- Well child care, routine check up, annual GYN
exam covered with a $25 copay, not subject to the deductible
- Mammography screening and prostate screening visits
covered in full.
How to Apply
for Coverage
Enrollment is
open to all District of Colombia residents regardless of
health history. There is however a nine month waiting period
before coverage of a pre-existing condition goes into effect.
Please see the following link for an enrollment information
and the plan's monthly rates. To enroll please complete
the application and send it and payment to:
NASRO
643 Moody
Street
Suite
201
Waltham,
MA
02453
Enrollment
Application and Plan Rates
Please
call 800-638-8113 with any questions.
Individual Dental
Plan
This plan also
covers people with pre-existing conditions.
Special
Individual Dental Plan Benefits
Dentist
Directory
Dental
Monthly Rates are $10 for single, $20 for two people and
$30 for family
Dental
Enrollment Application
Group
Health Insurance Plans
Aetna
Cost
Sharing HMO Plan 1
Cost
Sharing HMO Plan 2
Cost
Sharing HMO Plan 3
HMO
Plan 1
HMO
Plan 2
HMO
Plan 3
POS
Plan 1
POS
Plan 2
POS
Plan 3
Cost
Sharing PPO Plan 1
Cost
Sharing PPO Plan 2
Cost
Sharing PPO Plan 3
PPO
Health Savings Account Compatible Plan
PPO
Plan 1
PPO
Plan 2
PPO
Plan 3
Brochure
with plans and provider information
Care
First Blue Cross Blue Shield
NASRO has available
the complete range of plans and optional benefits from Care
First Blue Cross Blue Shield.
Please Call 800-638-8113
or send in a proposal request form to start the process
of learning more.
For employer groups
who need answers concerning specific benefit questions NASRO
has available the member handbooks of the various plans.
Blue
Choice HMO Member Handbook
Blue
Choice Opt-Out Open Access Member Handbook
Blue
Choice Opt-Out Plus Member Handbook
Blue
Choice Preferred Member Handbook
Blue
Choice Personal Comp Member Handbook
Basic Benefit
Plans for the Uninsured
Health Care,
Prescription Drugs, Dental, Alternative Care, Vision and
Additional Benefits Through NASRO's Classic Discount Card
For Washington
D.C. residents who can not afford to pay for the high cost
of health insurance premiums, or have been turned down by
health insurance companies due to a pre-existing medical
condition or have had benefits cut backs at work.
Rather than pay the most for services
at dental offices, doctors offices, at the hospital or for
prescription drugs, see how our discount card provides major
savings for a low monthly fee.
NASRO directly administers the enrollment
and billing of the program, which is truly open to everyone.
Enrollment is easy and simple, with a very short form that
does not even ask for a social security number.
Please call 800-638-8113
for more information.
Benefits,
Prices, Providers and Enrollment Online
Dental Insurance
Plans
Care First Blue
Cross Blue Shield Dental
Preferred
PPO Dental Washington D.C. Small Group Plan 1
Preferred
PPO Dental Washington D.C. Small Group Plan 2
Preferred
PPO Dental Washington D.C. Small Group Plan 3
Preferred
PPO Dental Washington D.C. Small Group Plan 4
Life Insurance,
AD&D, Short Term Disability, Long Term Disability and
Dependent Life
Term Life
Insurance for Individuals
American General
Banner Life
CNA - Valley
Forge
First Colony
Life
First Penn-Pacific
Lincoln Benefit
Life
Transamerica
United of Omaha
Zurich-Kemper
Life
Life Insurance,
AD&D, Short Term Disability, Long Term Disability and
Dependent Life for Employer Groups
Medical
Life Insurance Company
Term
Life Insurance
- benefit minimum benefit is $15,000
of coverage
- benefit includes guaranteed issue coverage up
to $35,000
- benefit maximum is up to $20,000,000 of coverage
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