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Medical Insurance in Idaho: An Overview

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Medical Insurance in Idaho

Medical Insurance in Idaho

Introduction: Health insurance situation in Idaho is quite alarming. Between 2001 and 2003, Center for Disease Control conducted a survey and the report of the survey revealed that 17.5% of total Idaho residents were uncovered for Idaho health insurance for each year. To let the residents of Idaho know the health insurance situation of their state, we have offered a useful abstract, below. The abstract contains helpful information about Idaho health insurance regulations and state-driven health insurance alternatives. It also contains list of Idaho health insurance organizations.

Some Importance Regulations for Idaho Medical Insurance

To regulate the medical insurance situation within the state and to monitor the activities of the active Idaho health insurance companies, the state government has introduced some rules and regulations that are entirely different from rest of the country. The regulations are discussed below:

  • Idaho residents are entitled to opt for any of the health insurance plans provided by Idaho health insurers. Every Idaho health insurance companies should offer three types of health insurance policies; Basic, Catastrophic, Standard.
  • Each of these health policies offers certain benefits that are accessible throughout the year. Every individual who has been formerly covered by any of Idaho health insurance plans can purchase a new plan. They are eligible to take advantage of the benefits offered by the respective plan.
  • As per state laws, people who have not been covered by any health insurance policy can purchase an Idaho health insurance plan within an open enrollment period and enjoy the offered benefits. Open enrollment period is a specialty of Idaho health insurance.
  • Unlike health insurers of other states, Idaho health insurance companies need not to offer guaranteed renewability provision. Although, an applicant can ask for such a provision while buying a health insurance plan, but it completely depends on the health insurer's decision; whether to provide.
  • Idaho health insurance companies can implement a waiting period for any pre-existing medical condition for a maximum of 12 months.
  • According to the state laws, a pre-existing medical condition may be defined as an illness for which an individual has been enjoyed treatment from previous Idaho health insurance provider, within a period of 6 months before commencement of new Idaho health insurance plan.
  • Medical expenses, for the duration of pre-existing waiting period, do not get covered by any health insurance policy.
  • Continual coverage can be credited to new Idaho health insurance plan for the waiting period of a pre-existing medical condition; if and only if there is no record of breakage in coverage.
  • Some of the Idaho health insurance plans are standardized regarding cost and coverage.
  • Idaho health insurance provides no guarantee for any coverage beyond standardized policies.
  • Idaho health insurance providers need to offer basic standard health insurance plans. However, they can decide the rates and accessibility to non-standardized health insurance plans; using age and medical status as the deciding factors.
  • The rate of Idaho health insurance varies depending on the age and medical status of an individual and can be raised, accordingly.
  • In the state of Idaho, there are some active conversion health insurance plans. Individuals, who are between medical insurance policies and in need of medical coverage, are eligible for these plans. People, who are between jobs, can also opt for conversion health insurance plans.

Idaho Health Insurance Alternative Options

Some state-operated health insurance programs are active in Idaho. Idaho residents, who are considered as “uninsurable” by Idaho health insurance providers, qualify for alternative Idaho state health insurance programs. People, who can't afford Idaho health insurance, are also entitled to these programs. The programs are discussed below:

  • Idaho Medicaid: Idaho residents, who meet all the qualifying criteria as well as income criteria, are eligible for this state program.
  • Idaho Children's Health Insurance Program: It is a state-driven program; especially created for the Idaho children below and up to age 19. However, they should come from families that are not eligible for Idaho Medicaid or unable to pay for Idaho health insurance.
  • Idaho Access Card: This is also a children's program. Offspring, whose parents are insured by Idaho health insurance but unable to afford health insurance for their kids, are eligible for this program. The state government of Idaho affords the health insurance cost for the children on behalf of their parents. The state pays a maximum of 100 USD per month for single child and 300 USD per month for three children or above, respectively; as monthly premium for Idaho health insurance.
  • Idaho High Risk Reinsurance Pool: Through this high-risk pool, the Idaho residents, who are otherwise considered as “uninsurable” for individual Idaho health insurance, can get coverage under a group insurance policy.

Idaho Health Insurance Companies

According to Idaho Department of Insurance, the top Idaho health insurance providers that meet all the eligibility criteria to offer individual health insurance plans are as follows:

  • Mid-West National Life Ins. Company of Tennessee
  • Blue Cross of Idaho Health Service, Inc.
  • Regence Blue Shield of Idaho, Inc.
  • Mega Life and Health Ins. Co.
  • Time Ins. Co.
  • John Alden Life Ins. Co.

According to Idaho Department of Insurance, the top Idaho health insurance providers that meet all the eligibility criteria to provide employer Idaho health insurance policies are as follows:

  • Principal Life Ins. Co.
  • Benchmark Ins. Co.
  • Altius Health Plan
  • Aetna Life Ins. Co.
  • Trustmark Life Ins. Co.
  • Blue Cross of Idaho Health Service Inc
  • Group Health Options, Inc.
  • Western Mutual Ins. Co.
  • United Healthcare Ins. Co.
  • Guarantee Trust Life Ins. Co.
  • John Alden Life Ins. Co.
  • Regence Blue Shield of Idaho, Inc.
  • Best Life and Health Ins. Co.
  • Time Ins. Co.
  • Madison National Life Ins. Co.
  • Union Security Ins. Co.
  • Primary Health Network, Inc.
  • Trustmark Ins. Co.

Idaho Department of Insurance

For more information on Idaho health insurance, you can contact at the following address:

Idaho Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-0043
Phone: 208-334-4250
Fax Numbers: 208-334-4398

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