Idaho Health Insurance Plan Benefits & What's Included

What's included in the plan, or do I have to pay extra for some coverage?

Does the plan include the following, or do I have to buy additional coverage/riders for these benefits?

• Pregnancy/Maternity
• Doctor office visits
• Prescription drugs
• Emergency room visits
• Treatment of an accident if not admitted to a hospital
• X-rays and laboratory tests if not admitted to a hospital
• Wellness benefits (annual physical exam, well-child care, etc.)
• Skilled nursing care, home health care, hospice
• Chemotherapy or radiation if not admitted to a hospital
• Air ambulance

Are there benefit limits?

Does the plan have limits on the amount of benefits it will pay for certain types of treatment or services? Are the limits for a calendar year or for each insured's lifetime?

• Prescription drugs
• Mental health and/or chemical dependency
• Chiropractic
• TMJ or other jaw joint treatment
• Home health or hospice care
• Physical, speech, occupational, or other therapy services

What are the maximum benefits the policy will pay?

• $1,000,000 during each insured's lifetime?
• Separate lifetime maximums for some services, such as organ transplants?