In Idaho, there are only a few options for high quality health insurance, and East Coast Health Insurance carries the one of the best companies, which is PacificSource Health Plans. This insurer has proven reliable over a long period of time and offers great prices on medical services to Idaho residents.
- Total Population: 1,526,900
- Total Uninsured Population: 262,400 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,748
- Average State Premium for Individual Health Insurance: $167
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Idaho
Within these two companies, there is still a wide variety of selection. East Coast Health Insurance makes it easy for you to get a quote, either through the site or by one of our experts finding the best rates and coverage for you over the phone.
Idaho Health Insurance Market & Laws
The market for health insurance and federal regulations are a bit different in Idaho from other states. It is mandatory for health insurance companies in Idaho to offer everyone the option of three types of standardized plans, which are basic, standard, and catastrophic. The benefit of these plans is they are required to cover a variety of medical services, and any policy-holder in Idaho is able to apply. If you have never had a health insurance plan, you can apply during an open enrollment period, which allows you to buy a plan, whether or not you have had insurance before.
Also unlike many other states, Idaho insurance companies are not required to include a guaranteed renewability provision in their health plans. Therefore, you must request it be included in order to have the right to renew the same plan at the end of a term.
Pre-existing conditions are considered any illness diagnosed or for which you received treatment within six months before applying for health insurance, in the state of Idaho. Idaho health insurance companies are legally allowed to set an exclusion period for up to 12 months. During the exclusion period, the insurance company will not pay for any expenses related to treating that specific condition.
Insurance companies in Idaho have the authority to decline coverage to any individual based on their health status and age. They also have the ability to decide your premium costs, increasing for those with poor health, at risk for serious illnesses, or who are over a certain age. This is somewhat limited by law, though they may still be able to charge you more than you can afford.
For the three standardized policies, laws are very strict. There are predetermined costs and they are available to anyone.
Between the three plans, the level of coverage varies. There is only one service that is required to be covered and not subject to preventive service copay and deductible, which is mammograms.
For more information about health insurance laws in Idaho, visit the Idaho Department of Insurance site.
1. Kaiser Family Foundation, “Idaho – State Health Facts”. www.statehealthfacts.org
2. Idaho Department of Insurance, “Department of Insurance.book – Administrative Rules”. adminrules.idaho.gov/rules/current/18/0173.pdf
3. Health Insurance In-Depth, “Idaho Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Idaho.html