Best Health Insurance Plans Idaho
If you’re in Idaho and looking for buying a perfect plan that suits your budget and lifestyle, you are at the right place.
Health Insurance in Idaho: Key Takeaways
In Idaho health insurance plans run through Your Health Idaho, a state-run health insurance exchange. A person can take advantage of Open enrollment for 2020 coverage in Idaho.
The enrollment runs from November 1 to December 15, 2019. If the beneficiary misses the open enrollment, coverage is only possible if the person is qualifying for the same. In the state, Short-term health are available with initial plan terms up to 364 days. There are four insurance careers as of now that are offering 2019 coverage through the Idaho exchange, and will continue to offer plans in 2020.
In 2019, about 94,000 Idaho citizens enrolled for the coverage through the Idaho exchange.
Idaho Health Insurance Marketplace:
Idaho was the first start in the US that created its own state-run health insurance exchange named Your Health Idaho. Enrollment in the state’s newly-expanded Medicaid program goes to start from November 1, 2019.
In the state, open enrollment for private plans through Your Health Idaho and private carriers will commence from November 1 to December 15, 2019. The plans subscribed through the open enrollment will be effective from January 1, 2020.
In case a beneficiary misses the enrollment window, he can buy regular major medical health coverage only he has been passing through qualifying life events.
Current Insurers in the Idaho Marketplace:
As of now Four insurers are offering 2019 plans through Your Health Idaho:-
- Blue Cross of Idaho
- Mountain Health CO-OP
- Regence BlueShield
- Select Health.
These insurance carriers will continue to offer coverage in 2020. To note, before 2020, 119,000 Idaho residents were ineligible for subsidies in the exchange and also ineligible for Medicaid. But that coverage gap has been fulfilled and it will no longer exist after the end of 2019.
Health Insurance Plans in Idaho:
Whether you’re a self-employed individual or waiting to get an insurance coverage from your employer, you can opt several of the health insurance options available with the Idaho health insurance.
A. Individual and Family Plan:
To obtain an individual or family health insurance plans in Idaho, you have to fulfill a number of eligibility criteria. The person applying for the health insurance plan should be self-employed or without a group plan from the employer. One can also enroll for an individual plan in Idaho if the person has a plan that does not cover spouses or dependents.
Let’s start with family and individual health insurance plans available in the state.
1: Short Term Health Insurance Plans:
In Idaho, short term health insurance plans are offered by Golden Rule Insurance Company. These plans are popular due to their flexible health insurance coverage. They are handy and helpful when you need coverage the most. An Idaho citizen can avail short term health insurance if he missed the enrollment Affordable Care Act enrollment and don’t qualify for Special Enrollment. The enrollees should be turning 26 and coming off their parent’s insurance.
Short term health insurance helps beneficiaries to get coverage fast soon after application approval. The person has an option to choose deductible amount from several options available. He/she can also choose the length of coverage from one month to a year. In case the plan ends, beneficiary can apply for a fresh short term health insurance plan when.
2: Dental Insurance plans
In Idaho, dental insurance coverage is available for common dental care issues. The cover offers budget to the beneficiaries for paying expenses for dental services for preventive, basic and major levels of care. These plans are offered by the Golden Rule Insurance Company to help citizens of Idaho in paying up their Idaho dental insurance cost.
With dental insurance Idaho, beneficiaries get full-fledged coverage for Preventive care like routine cleanings and fluoride treatments. The features are covered with NO deductible or waiting period. The coverage includes the cost to be paid for basic services like fillings and major services like retainers and root canals. When you avail dental coverage, you don’t have to submit claim forms as the carrier itself pays to in-network dentists directly.
3. Vision Insurance Plans:
Idaho vision Insurance provides beneficiaries coverage for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. In the state of Idaho, vision insurance plans are underwritten by Golden Rule Insurance Company. These plans offer coverage for people of all ages without any waiting period at all. These plans are supported through a national network of vision service and eye-wear providers.
4. Critical Illness Insurance:
Critical Illness insurance is also referred as Critical Care insurance or Critical Illness coverage. The coverage offers beneficiaries a lump-sum cash benefit so that they can cope with the expenses associated with a qualifying serious illness. Since most of the critical illness symptoms aggravate accidently, they hit hard on out finances and savings. Critical illness health insurance provides coverage in addition to your primary health insurance plan. In case you need to bear everyday living expenses, Critical Illness plan can help a lot.
5. Accident Insurance:
In Idaho, accident insurance is designed to offer coverage for accidental injury, accidental Death & Dismemberment and critical Illness. In the plans, coverage benefits are paid directly to the beneficiary with multiple benefit options to choose from. The coverage is the best suited for paying unexpected medical costs due to accidental injury.
6. Term Life Insurance:
Idaho Term life insurance is an insurance policy that pays cash benefits to your dependents in case of your unfortunate death. Term life insurance plans in Idaho are underwritten by Golden Rule Insurance Company that comes with an optional Critical Illness Benefit. The benefit is paid to the beneficiary upon diagnosis of a qualifying illness or death.