Idaho Health InsuranceIndividuals and Families
Idaho Health Insurance
How to find an affordable plan.
When shopping for individual health insurance in Idaho there are four different outlets that can provide you with a policy. The first option is to go directly to the health insurance carrier and select from one of their plans only. The second option is consult your local insurance agent who can likely sell you plans from a few of the major providers. Option three, if you qualify, is to go to the state and apply for one of their High Risk Pool Plans. And the fourth option is to consult Health Insurance Online, or other online resources, where you can compare quotes from all of the major providers, and even apply online. There are a lot of great health insurance plans for Idaho residents to choose from that more than meet the average person's needs while also being affordable. Blue Cross of Idaho is a respected name in the health care industry because they not only have reasonable rates, but they also have excellent coverage. Regence BlueShield of Idaho is another trusted health insurance company that has many available plans to choose from. They offer short term plans for individuals who are looking for temporary insurance while looking to secure a job with medical benefits.
Leading Idaho Health Insurance Companies
Comparing Health Insurance Quotes Online
When you begin your search for affordable health insurance there are a couple factors to consider that many people do not think of. The average person looks at the price of the health insurance policy first. That is understandable, but not always the most accurate way to judge the quality of a health insurance plan. Of course, you have to be able to afford health insurance to make it worthwhile, but it also has to pay the costs of reasonable healthcare. When comparing health insurance quotes, make sure to find out what options you have should the company deny a recommended treatment. You also want to look at the costs of deductibles, co-payments, and other out of pocket expenses as compared to overall monthly cost. Very often, high costs before your insurance will begin to pay stops people from getting the medical care they need, even when they have an insurance policy in effect.
If you find yourself needing a long-term health insurance policy don't put it off any longer. An emergency such as an accident or even a short-term illness can wipe out a family's savings, and destroy your financial security. A long, drawn out illness is virtually impossible for the average person to afford. Your health insurance program is the best insurance against such disasters. Being sick or injured is bad enough without leaving you and your family to deal with the financial aftermath.
Individual Health Insurance Availability Act
The Individual Health Insurance Availability Act exists to provide coverage to those in Idaho not insured by employer sponsored plans and not able to receive private health insurance from one of the companies like those mentioned above. Regardless of your pre-existing conditions or whether you have been denied coverage in the past, you are still eligible. So long as you are under 65, and not eligible for a group plan, individual plan, medicare, or medicaid, you meet the requirements. For more information on the act and whether or not you are eligible, please visit the Idaho Department of Insurance website at www.doi.idaho.gov .
Resources and Information
Idaho Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Idaho Doctor Directory
Doctors practicing medicine in the State of Idaho are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.