Idaho Health Insurance Exclusions & Premiums

What's excluded under the plan?

(Check the lists above on what's included in the plan, or for additional coverage/riders for some benefits, or what benefits are limited.) Does the plan have exclusions for:

• Preexisting conditions; what is the plan's definition of a "preexisting condition"?
• Contraceptives
• Maternity services for dependent children
• Routine care for newborns.
• Medical/surgical treatment for obesity, such as gastric bypass surgery
• Alternative therapies, such as acupuncture, naturopathic or homeopathic medicines, massage therapy, etc.
• Cosmetic and/or reconstructive surgery or services
• Fertility treatment, prescriptions, or services
• Dental or orthodontic-related treatment or services
• Experimental or investigational treatment
• Engaging in an illegal activity
• Self-inflicted injury, suicide, or attempted suicide

How much are the premiums?

How often can the premium rates change? What is the company's history of premium increases?

• Will my premiums increase as I get older?
• Can my premiums be increased due to the amount of my claims?

When does my policy renew? What information will the company send me about any plan changes at policy renewal?

How is the company's customer service?

What happens when I call the company's customer service number?

Can I reach a real person to answer my questions?

How easy is it to find a local participating/in-network provider?

What happens if I am outside of Idaho or the U.S. and need emergency care?

Has my doctor, pharmacist, or other health provider had any problems with this company in submitting claims for other insureds?