Choosing an Insurance Plan That’s Right for You

Open enrollment for commercial and Medicare insurance is upon us. However, the process of selecting an insurance carrier can be complex and confusing. We’d like to make this process easier, as well as help you select a carrier that allows you to utilize Overlake Medical Center & Clinics as an in-network provider. Overlake is a participant in most plans and networks; but, there are some that may not include our health system. Please check directly with your carrier before selecting a plan.

Commercial Insurance

Obtained through an employer or purchased on the health exchange.

For all patients selecting insurance carriers through an employer or purchasing insurance through the Washington Health Exchange, please click here for the latest information on our 2021 in-network insurance partners.

Employer-obtained insurance coverage:

  • Enrollment window: Varies, please contact your employer’s Human Resources department.

Insurance purchased through the health exchange (individual market):

  • Window 1: Nov. 1–Dec. 15, 2020 (coverage starts Jan. 1, 2021)
  • Window 2: Dec. 16, 2020–Jan. 15, 2021 (coverage starts Feb. 1, 2021)

Medicare Insurance

In addition to Medicare Supplement insurance, Overlake participates in several Medicare Advantage plans. Medicare Advantage plans provide hospital and doctor coverage plus additional benefits, such as prescription coverage, dental, vision, health screenings and more.

Overlake Medical Center & Clinics partners with MedicareCompareUSA to provide a free resource for our Medicare patients—a Medicare Insurance Helpline. During the Medicare Annual Enrollment Period (Oct. 15–Dec. 7, 2020), patients eligible and aging into Medicare eligibility can receive free, unbiased guidance to compare and enroll in different plans for the coming year (2021).

Patients can call toll-free (888) 752-5198 from 9 a.m.–5 p.m., Monday through Friday, for all questions related to Medicare. Agents can provide unbiased plan comparisons, enrollment assistance, and answer any and all questions related to Medicare. To learn more about Overlake’s patient resources, please click here.

For 2021, we will accept the following Medicare Advantage Plans:

  • Aetna
  • Humana
  • Kaiser Permanente of WA*
    • Overlake Medical Center is an in-network hospital with Kaiser Permanente of Washington (referral/authorization required).
    • In addition, Overlake Clinics’ physicians may be in-network depending on the location and/or the Kaiser benefit plan selected. Please review the Kaiser online directory.
  • Premera Blue Cross
  • UnitedHealthcare/AARP

We hope our participation with these plans helps you find a Medicare Advantage plan that’s right for you. For more information, visit

For the latest information on our 2021 in-network commercial insurance partners, visit