Idaho Health Insurance
As a resident of Idaho, you have plenty of Idaho health insurance options to choose from. There are multiple insurance companies in Idaho that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Idaho. See some of the state's top health insurance companies and read about the important Idaho health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Idaho health insurance programs.
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Resources on this page
Health Insurance Laws and Regulations in Idaho
Public Health Insurance Programs for Idaho Residents
Idaho Health Insurance High Risk Pools
Idaho Health Insurance CompaniesContact Info for the Idaho Department of Insurance and Department of Health and Welfare
Idaho Health Insurance Laws and Regulations
In the state, there are certain Idaho health insurance laws that provide protections for residents and regulations that govern the private health insurance market.
All Idaho health insurance plans must provide coverage for certain medical services such as cancer screening for breast cancer.
Idaho health insurance companies are not allowed to impose a waiting period or exclusion period for a pre-existing health condition if an applicant has gone no longer than 63 days without health insurance.
Idaho Public Health Insurance Programs
There are public Idaho health insurance programs to help low-income residents get health coverage. They include:
- Medicaid
Idaho's Medicaid program offers health insurance coverage for low-income individuals, families, and children, and disabled citizens. To learn more about Idaho Medicaid, visit the program's website. - Women's Health Check Program
Low-income women living in Idaho have access to this program which provides free screening for breast and cervical cancer, and full coverage for both cancers through Medicaid. To learn more about Women's Health Check, visit the program's website. - Children's Access Card
This program provides Idaho children with up $100 to $300 a month to go towards health insurance premiums. Learn more about this Idaho health insurance program for children here. - Access to Health Insurance (AHI)
Residents in Idaho who work in small businesses can get $100 to $500 a month to help them pay for health plan premiums. Learn more about AHI here. - Idaho Medicare
Seniors can get Idaho health insurance through Medicare Advantage, Supplement and Original Medicare.
Early retirees and trade workers in Idaho may also be eligible for the Federal Health Coverage Tax Credit. To learn more, visit the Internal Revenue Service (IRS) online.
Idaho Health Insurance High Risk Pools
The Patient Protection and Affordable Care Act established temporary high risk pools to provide health insurance for individuals with pre-existing conditions.
The Pre-Existing Condition Insurance Plan (PCIP) in Idaho is not a public program and is similar to Idaho health insurance policies in which enrollees have to pay monthly premiums and out-of-pocket expenses.
Enrollees in the Idaho PCIP will pay about the same that people without medical conditions pay for health insurance. The estimated monthly premium cost for Idaho residents is $246 for ages 0 to 34; $295 for ages 35 to 44; $377 for ages 45 to 54; $524 for ages 55 and older. There will also be a $2,500 deductible that must be met every year before health insurance benefits kick in. The out-of-pocket maximum is set at $5,950.
Idaho residents with medical conditions will have health insurance coverage for doctor and hospital visits, emergency services, prescription drugs and more.
Individuals are eligible for Idaho PCIP if they are a United States citizen, have a pre-existing condition and have been uninsured for six months.
For more information on the Idaho health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Idaho:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross of Idaho Health Insurance
As a non-profit mutual insurance company, Blue Cross of Idaho is dedicated to superior customer service. They strictly abide by their company values of fairness, honesty, respect, responsibility, and accountability.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Group Health Health Insurance
Group Health and its subsidiaries, Group Health Options, Inc. and KPS Health Plans, provide service to nearly 585,000 members in Washington and Idaho.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
PacificSource Health Plans Health Insurance
PacificSource is a non-profit health plan committed to delivering health insurance solutions to businesses and individuals located throughout the Northwest. PacificSource focuses on building community and personal relationships and provides over 280,000 members with 34,000 participating health care practitioners and facilites in their region.
Regence Blue Shield of Idaho Health Insurance
Regence has over 2.5 million members and has been in existance for more than 90 years. Regence is a nonprofit health care company that offers individual and group medical, dental, vision and life insurance, Medicare and other government programs, and pharmacy benefit management.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Idaho Department of Insurance and Health and Welfare
Find the contact information for the Idaho health insurance and health and welfare departments at:
Idaho Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-0043
Phone: (208) 334-4250
http://www.doi.idaho.gov/
Idaho Department of Health and Welfare
Region 4 - Ada, Boise, Elmore, Valley Counties
1720 Westgate Drive, Suite A
Boise, ID 83704
Phone: (208) 334-6700
http://www.healthandwelfare.idaho.gov/
Contact information for other regions
