Your Connection to Healthcare Coverage
Many people are finding it difficult to find affordable health insurance that doesn’t force them to sacrifice quality care for value. Our licensed agents will show you your options and explain insurance plans available for you. You are in the right place to find the plan that is right for you.
Idaho is different than most states because there aren’t very many carriers to choose from. Finding a competitive plan can be more difficult without the normal competition among carriers. We help simplify the process by finding the plan that fits you best, whether that be an individual or small group plan.
And for our customers that are eligible, we also offer the medicare advantage plans as well as the supplemental plans.
– Doctors visits
– Medical testing
– Specialized care
– Surgical procedures
Health Care Law
Trying to decipher the information about the health care reform can be hard. Everyone needs to have a qualified health plan for next year or pay a tax penalty of $695 per person or up to 2.5% of your income (whichever is greater) per person for everyone in the household for 2016. Each year the penalty will go up.
The good news is the federal government will subsidize the health insurance for those who make less than 400% of the federal poverty level. How do you fall into this and how much will health insurance cost you and your family? This is calculated individually.
Schedule a time to visit with one of our agents for a no obligation quote for you and your family. We can help you explore the different plans that are available through the marketplace. We can even help you decide if it is better to enroll in your employer offered health insurance plan or enrolling in the health insurance marketplace individually.
Why choose us? We represent all of the health insurance carriers in Idaho. We have helped our customers for the past 15 years with their auto, home, business and life insurance. Trust us to help you with your health insurance, too.
Health Insurance Types
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
- HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services provided.
- HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
- These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
- If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
- High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans.
- If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
- A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of “safety net” coverage in case you have an accident or serious illness.
- Catastrophic plans usually do not provide coverage for services like prescription drugs or shots.
- Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
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