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