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Idaho Health Insurance

Health insurance these days is primarily available in two categories: individual and group. Those who take individual insurance are mainly self-employed, or employed by a company that has no health plan. People who have a family also normally want individual insurance for family members. If one buys an individual plan, he/she must pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. If one purchases a group policy, he/she is required to pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance begins paying his/her eligible medical bills.

In Idaho, insurers can deny you individual health coverage due to a medical problem. They can review your previous six months before insurance coverage to determine pre-existing conditions. If they find one, the insurer may place an exclusion on the condition for a limited time. If you have had continuous, unbroken coverage of over 63 days, you are entitled to creditable coverage. In Idaho, pregnancy can be treated as a pre-existing condition. There are no restrictions on the cost of a policy, but it cannot be cancelled because of your illness.

In Idaho, you cannot be refused or charged extra for group health insurance due to a health problem if you are eligible. A number of life changes relating to family problems, children, marriage, and job changes can also affect your opportunities for group health coverage. A new boss may need some waiting period before offering health coverage. If you have a pre-existing condition, a new insurer can review your medical records for the prior six months before coverage. The company can apply an exclusion of that condition for only the first one year of the group plan. If you have had unbroken coverage of your pre-existing condition of more than 63 days, you qualify for creditable coverage. In case you lose your group coverage, a conversion policy is guaranteed for you.

Small businesses seeking small group health insurance cannot be refused because of health factors within the employee group. Neither can it be cancelled due to illness in your group. The cost of the policy can increase according to limited amounts, depending on modified community rating. Idaho does not allow self-employed persons to buy group health coverage. You can contact the Idaho Department of Insurance for affiliation through a business or professional organization.

Idaho provides a High Risk Reinsurance Pool Plan for those individuals who have been refused individual insurance. People with low incomes may get Medicaid, and also the Women’s Health Check Program.

Most people face difficulties while choosing the right health insurance quotes. You should do some before making a decision, or best appoint a professional health insurance agent who can greatly help you in this regard.

Health insurance providers in Idaho include Assurant Health (formerly Fortis), Blue Cross of Idaho and Security Life.



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