Did you know that many of the persons going without health insurance in Idaho are
between the ages of 25 and 40, despite the fact that there are affordable health
plan options available for people in this age range? Don't gamble with
your health and financial future. If you don't have health insurance, you
owe it to yourself to check out what is available. Check out the links
below for information on some affordable health coverage options.
Here are some things you should know before you shop for health insurance:
What are insurance premiums?
Premiums: are a prepaid payment or series of payments made to a health insurance plan by purchasers, and often plan members, for medical benefits.
What is a deductible?
Deductible: a set dollar amount you pay each benefit period for covered services before your health insurance policy begins paying benefits. Deductibles are reset each year.
What is copay?
Copay: a fixed dollar amount (for example $20 or $30) you pay for specified covered services such as a doctor office visit. A copay applies each time the service is provided.
What is coinsurance?
Coinsurance: a percentage (for example 20%) of the allowed amount you pay for a healthcare covered service. Coinsurance applies after the deductible has been met.
What is out-of-pocket maximum?
Out-of-Pocket Maximum: a fixed dollar amount that is the most you will pay for deductibles and coinsurance for most covered services in the course of a benefit period.
Once the out-of-pocket maximum is met, most covered services are paid at 100% of the allowed amount.
What is wellness coverage?
Wellness: benefits that pay for routine physical exams and diagnostic lab and x-ray services. For example mammograms, prostate specific antigen (PSA) tests, etc.
What is prescription drug coverage?
Prescription Drug: benefits for prescribed medications that are typically received from a pharmacy. Benefits vary on the type of medication that is purchased: generic vs. brand. Often benefits can be a copay per prescription filled or coinsuranace.
A list of carriers selling individual health insurance is shown below. Click on a link to go directly to each carrier's product and/or rate information.
