Idaho State Health Insurance

Top FAQs for Idaho State Health Insurance

Welcome to the Idaho Department of Insurance

August 17, 2022 - Idahoans to see 12-percent lower health insurance costs with approval of key “Leading Idaho” waiver. August 1, 2022 - DOI to Hold Public Hearing on Blue Cross of Idaho …

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Health Insurance • Consumers • Idaho Department of …

Category: Health Insurance

Dec 15, 2021 · COVID-19 Resources Individual Health Find Health Insurance Group Health External Review Premium Rates by Company Unexpected Medical Bills / No Surprises ...

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Your Health Idaho » Idaho's Official Health Insurance Marketplace

Idaho’s health insurance marketplace where Idahoans find the right coverage for their needs. The only place to save on monthly premiums with a tax credit.

What is Your Health Idaho? Insurance can be confusing. We’re here to help. Your Health Idaho is an online marketplace that allows Idaho families and small businesses to shop, compare, and choose the health insurance coverage that’s right for them. YHI was established following the passage of the Patient Protection and Affordable Care Act (ACA) in 2010. As Idaho’s health insurance marketplace, YHI is an independent entity overseen by a 19-member board of Idahoans which includes insurance agents, physicians, business owners, legislators and non-profit representatives.

You may have heard the term Anonymous Shopping. No, it doesn’t mean going to the mall in a dark hat and sunglasses. It’s what Your Health Idaho calls the period that starts October 1, two Read more…

In July 2022, the National Suicide Prevention Lifeline changed its name and number from 800-273-8255 to the easier-to-remember Suicide & Crisis Lifeline that can be reached by simply dialing 988. The Lifeline and other mental Read more…

There are many ways to stay healthy as you age like eating healthy, quitting smoking, regular doctor visits, and getting a good night’s sleep. But exercise and being active is one of the best things Read more…

© 2021 Your Health Idaho and the Your Health Idaho logo are trademarks and service marks of the Idaho Health Insurance Exchange. Any other trademarks or service marks appearing on this website are the property of their respective owners.

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Abortion guidance banned at Idaho universities

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(28 Sep 2022) RESTRICTION SUMMARY: NO RE-SALE, RE-USE OR ARCHIVE; CREDIT KXLY; NO ACCESS SPOKANE, NO ...

Medicaid & Health | Idaho Department of Health and …

Private Insurance Tax Credit. The Advance Payment of Premium Tax Credit (APTC) is now managed by Your Health Idaho (YHI). For more information, contact YHI. Private Insurance …

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Individual Health Insurance | Department of Insurance

The purpose of the Individual Health Insurance Availability Act is to make health insurance coverage available to Idaho “eligible individuals” not covered by employment-based insurance. Idaho residents may be eligible for coverage regardless of their health status or claims experience.

Who is under the age of 65, is not eligible for coverage under a group health plan, for Part A or Part B of Medicare or for Medicaid, and who does not have other health insurance coverage; or

Every insurance company that is approved to market individual health benefit plans* in Idaho must actively offer health benefit plans to individuals. Companies must follow fair marketing standards set by the act.

Insurance companies may offer individual health benefit plans through Idaho’s insurance marketplace, Your Health Idaho or off the marketplace, or both. However, premium subsidies (advanced premium tax credit or APTC) are available to individuals only if the health benefit plan is purchased through Your Health Idaho.

A company or agent may not encourage an individual to refrain from applying or to apply with another company due to the health status, claims experience, industry, occupation, or geographic location of the individual.

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Senior Health Insurance Benefits Advisors | Department of Insurance

As SHIBA follows the Idaho Rebounds plan to safely and responsibly provide services, our staff remains available to serve you as we continue safe practices. We encourage email, phone calls and remote communication, if necessary we are also available for meetings by appointment. You can reach us at 1-800-247-4422 or by filling out our online form.

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Benefits & Plans | Office of Group Insurance

Employees of state agencies, political subdivisions, universities and colleges have access to a robust benefits package including medical, dental, life insurance, short and long-term disability and flexible spending accounts (FSA). All benefits are administered by the Department of Administration’s Office of Group Insurance.

The state of Idaho is fully insured for its medical and dental coverages. Each medical plan includes a vision benefit and prescription drug coverage as well as an Employee A-sistance Program (EAP). As part of their employment, benefit eligible employees receive Basic Life Insurance, including Accidental Death & Dismemberment (AD&D) and short and long-term disability, with an option to purchase additional Voluntary Term Life (VTL) coverage. Employees also have the option participate in Flexible Spending Accounts (FSA) for medical and daycare expenses.

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Welcome to Office of Group Insurance

Since 1987 Domestic Violence Awareness Month has helped shine a light on bringing awareness to the normalization of domestic violence issues. The Women's and Children's Alliance provides comprehensive and secure emergency and transition shelters for families experiencing any form of abuse, including to domestic violence abuse. Learn more: https://www.wcaboise.org/

Many people often struggle with understanding their health information, creating a health literacy problem. October is Health Literacy Month, a great time to learn more about your health information and to ask your provider questions that you might have.

Today is Children’s Health Day, a day to bring awareness to the health and wellbeing of all children. A great way to keep your kids healthy is by scheduling their annual wellness visit! Learn more: https://kidshealth.org/en/parents/checkup-6yrs.html

This year, more than ever, it is important to review your health care elections. Information will be posted in the coming weeks to help you make informed decisions about your benefits.

→Review the new plan year rates – Note** Premiums for some plans, particularly the Traditional plan, have changed. Review the rates prior to Open Enrollment so you can make any changes to your benefit elections. If you miss the Open Enrollment window, you will be locked into your election until next Open Enrollment or experience a Qualifying Life Event.

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Medical | Office of Group Insurance

The State offers three medical plan options so that employees can select the plan that best meets their needs as well as access providers in their geographic area. Each medical plan provides comprehensive coverage, with different levels of out-of-pocket expenses and premium contribution rates. A Vision Benefit and Prescription Drug Coverage are included with medical plan enrollment. All benefit eligible employees also have access to an Employee A-sistance Program (EAP) and Wellness Resources. Deductibles and benefits for all plans are provided on a fiscal year, from July 1 through June 30.

Feature NamePPO In-NetworkPPO Out-of-NetworkTraditionalHigh Deductible FY23 Plan ContractsActive PPOActive PPOActive TraditionalActive HDHP FY23 Plan SummaryActive PPO SBCActive PPO SBCActive Trad SBCActive Single HDHP SBC Active Family HDHP SBC Deductible - Individual$350$600$450$2000 Deductible - Family$950$1,700$1,250$4,000 Out-of-Pocket Limit - Individual$3,250$6,500$4,300$5,000 Out-of-Pocket Limit -Family$6,750$13,500$8,600$10,000 Plan Payment (% of allowable charges after deductible)ChoiceDocs $0 copay, $20 Specialist copay / 85% Non-ChoiceDocs $20 copay, $40 Specialist copay / 85%70%80%70% Wellness/Preventive CareNo copay for listed services70%100%100% Telehealth/MDLiveNo copay (Covered 100% during the Federal State of Emergency)N/ANo copay (Covered 100% during the Federal State of Emergency)100% after deductible (Covered 100% during the Federal State of Emergency)

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Home | SIF

Partnering with Idaho businesses to provide workers' compenstion for over 100 years. We focus on being safe, innovative and reliable for Idaho's workforce.

Our Portal servers will be down intermittently for maintenance from 8 AM until 12 PM on Sunday, August 21st. If you have trouble logging in, please try again after 12 PM.

Creating and growing a thriving business takes a lot of work; we want the insurance piece to be easy for you. We keep a finger on Idaho's business landscape and we build our solutions to meet your business needs.

It’s our goal to increase workplace safety, reduce accidents, and care for the well-being of all employers and injured workers across Idaho. We're in your corner and we're proud to partner in your success.

We partner with Optum and Paradigm to provide treatment and better outcomes for injured workers. Optum offers pharmacy benefits with network contracted discounts for thousands of providers across Idaho and nationally. For catastrophic injuries, Paradigm’s nurse case management services coordinate care at centers of excellence across the United States.

Our Idaho-resident, in-house claims team coordinates care between injured workers, their supervisor, and medical professionals to help control claims costs. Injured workers receive consistent care and support with the goal of returning to work as soon as medically able.

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Health Insurance | Idaho State University

Although the ISU Health Center is not at liberty to recommend plans to students, we will help direct you to different resources. If you have any questions or comments, you are welcome to contact us at (208) 282-2330.

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Idaho health-insurance exchange opens Oct. 15 | Health | mtexpress.com

Category: Health Insurance Health Idaho State Insurance

Idahoans can enroll in lower-cost health insurance plans for 2023 through the Your Health Idaho state insurance exchange starting on Oct. 15, when the online marketplace officially opens.

Your Health Idaho offers Idaho individuals, families and small businesses a variety of health insurance plans that offer different sets of benefits for different costs, often subsidized by federal tax credits. It was established by the state pursuant to the passage of the federal Patient Protection and Affordable Care Act in 2010, which aimed to increase the number of insured Americans and lower the costs of health insurance.

Idaho opted to employ a state-run exchange instead of one run by the federal government. Nonetheless, plans must comply with provisions of the Affordable Care Act. For 2022, the Idaho exchange offered plans from six insurance providers.

For 2023, two new insurers have joined the exchange, Moda Health and the St. Luke’s Health Plan. Idahoans can enroll in 2023 plans during the enrollment period of Oct. 15 to Dec. 15. Enrollment outside of the established window is allowed only in special cases of a “qualifying life event,” such as marriage, divorce, a birth or adoption, or loss of employer-based coverage.

St. Luke’s—the largest health-care provider in the Wood River Valley and broader region—announced in August the launch of a new nonprofit subsidiary to provide new health-insurance options to people in west-central and south-central Idaho. The new organization—called St. Luke’s Health Plan—is wholly owned by St. Luke’s.

“St. Luke’s has been in Idaho for more than 120 years, and we are excited to bring a new approach to health care insurance in this market aimed at removing barriers that people experience with their current plans,” said Matt Wolff, St. Luke’s Health Plan president. “Our plan designs include access to one of the largest provider networks in the state, zero-dollar co-pays for in-network primary care, preventive care, maternity care and behavioral health care, and we’ve removed pre-authorization requirements for most services when you see a doctor in network.”

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Health insurance in Idaho: find affordable coverage | healthinsurance.org

Compare your Idaho health insurance coverage options for you and your family. Find affordable individual and family plans, small-group, short-term or Medicare plans.

Find out how the American Rescue Plan drastically cut marketplace health insurance costs for Idahoans from Boise, to Idaho Falls, Twin Falls and beyond — and how the Inflation Reduction Act extends the subsidy enhancements through 2025. Open enrollment runs from October 15 through December 15 in Idaho (not the same schedule other states use). But residents with a qualifying life event can shop for a subsidized marketplace plan at any time of the year.

ACA's Medicaid expansion in Idaho took effect in 2020 – and by 2022, the expanded eligibility had resulted in the enrollment of more than 121,000 Idahoans. Learn more about Medicaid expansion in Idaho and about eligibility for Medicaid in the state.

As of mid-2022, there were nearly 368,000 Idaho residents enrolled in Medicare coverage. Read more about Medicare enrollment in Idaho, including details about private Medicare plans — Medicare Advantage, Medicare Part D prescription plans, and Medigap — and how the state regulates Medigap policies.

Idaho’s state-run health insurance marketplace is called Your Health Idaho. The exchange serves people who buy their own health insurance in the individual market, small businesses, and some populations that are eligible for Medicaid in Idaho. People who buy individual market coverage include early retirees who aren’t yet eligible for Medicaid, self-employed individuals, and people who are employed by a small business that doesn’t provide health benefits.

Idaho was initially the only state to create its own state-run health insurance marketplace but also reject Medicaid expansion. But Medicaid expansion did eventually take effect in Idaho in 2020, after voters approved a Medicaid expansion ballot measure in 2018.

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Idaho Health Insurance | Blue Cross of Idaho

Medical insurance for travel. ... is committed to addressing the root causes of some of Idaho's most pressing issues impacting health. 600K+ People covered by Blue Cross of Idaho. 1.4K+ …

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Moda Health Brings Innovative Health Insurance Options to Idaho

BOISE, Idaho, October 03, 2022--Idahoans soon will have exciting new options for their medical insurance as Moda Health brings to the Gem State a wide range of its evidence-based plans, innovative programs and signature customer service.

BOISE, Idaho, October 03, 2022--(BUSINESS WIRE)--Idahoans soon will have exciting new options for their medical insurance as Moda Health brings to the Gem State a wide range of its evidence-based plans, innovative programs and signature customer service.

"We’re delighted to offer Idaho access to our high-quality health plans, all backed by our expert a-sistance, full suite of online services and strong provider partnerships," says Jason Gootee, VP of Sales & Strategic Market Development at Moda Health. "Our company is committed to helping people find the right care at the right time in the right place. We know choosing the health plan that will care for you and your family is a very personal choice and we are happy we now give Idaho residents another choice for this important decision."

Founded in the Northwest almost 70 years ago, Moda Health currently serves communities in Oregon, Alaska, and Texas. In Idaho, the company will offer Individual, Family, Medicare Supplement and Group medical plans.

Pursuing its mission to always deliver access to the highest-quality care, Moda Health is partnering with the Saint Alphonsus Health Alliance network; the Patient Quality Alliance network, a comprehensive network of hospitals and physicians throughout Southeast Idaho; and Minidoka Memorial Hospital, along with other local providers.

"We’re excited about this new partnership," says Lannie Checketts, Chief Financial Officer at Saint Alphonsus Health System. "Moda Health has an impressive track record of working with providers to build healthier communities. And now, working together, Moda and Saint Alphonsus Health Alliance, with its robust network of over 3,000 providers which include well-known and established practices in the Treasure Valley, we will be doing exactly that."

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Idaho health insurance marketplace 2022 guide | healthinsurance.org

Idaho's exchange has a record-high six participating insurers for 2022, with Molina joining the five insurers that already offered on-exchange plans in Idaho. For 2022, the existing insurers are implementing an overall average rate decrease of 2%.

Idaho has a state-run health insurance exchange (Your Health Idaho) and six carriers offer 2022 coverage through the marketplace. Two new insurers are joining for 2023 (Moda Health and St. Luke’s Health Plan), bringing the number of participating insurers to eight.

Idaho will have a reinsurance program as of 2023, which is expected to keep overall average (pre-subsidy) premiums about 12% lower than they would otherwise have been. Average premiums would have increased without the reinsurance program, but instead, insurers have proposed an overall average rate decrease of 3%.

As of September 2022, Idaho and Maryland are the only states in the country where open enrollment is scheduled to end in December, instead of extending into January. But open enrollment for 2023 coverage also begins early in Idaho, starting October 15, instead of November 1, like the rest of the country.

(Note that Maryland does tend to issue last-minute extensions for open enrollment, which Idaho generally does not. But Idaho typically gives people one additional week to finalize their plan selection, as long as they start the process by December 15.)

The state-run option was initially resisted by both the governor and many Republican legislators. Like those in other “red” states, Idaho leaders hoped the U.S. Supreme Court would find the Affordable Care Act (ACA) unconstitutional. However, after the Court upheld most elements of the ACA and a state task force in October 2012 strongly recommended a state-run exchange, Otter began leaning toward that option as preferable to a federally run exchange.

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Idaho Health Insurance: Find Affordable Plans | Affordable Health Insurance

Category: Health Insurance

How to find affordable health insurance plans in Idaho. Learn how to enroll in Idaho health insurance plans, what low-income options exist and what you need to know about insurance in Idaho.

There are several ways for people in Idaho who need affordable health insurance to obtain it. Most employers provide health insurance for employees and their families. However, you can also opt to purchase plans on the state’s health insurance marketplace: Your Health Idaho. You could buy an off-exchange plan from a broker or an insurance agent, purchase a short-term insurance plan, or participate in a cost-sharing plan. If you are at least 65 years old (or have a qualifying disability), you may be eligible for Medicare. Finally, low-income adults and children in Idaho may be eligible for Medicaid.

Your Health Idaho: Idaho has a state-run platform that offers ACA plans: Your Health Idaho. All insurance plans provide quality, affordable health insurance coverage. Many insurance plans also provide premium tax credits and cost-sharing reductions (CSRs).

Open enrollment: The open enrollment period for coverage beginning in 2022 in Idaho runs from November 1, 2021 through January 15, 2022. If you miss open enrollment, you can only enroll if you qualify for a special enrollment period.

Special enrollment: You may qualify for a special enrollment period if you have experienced a qualified life event (QLE) that caused you to lose coverage, if you need to make changes to your current plan (due to a life change such as getting married, having a child, or getting divorced), or if you have had a change in eligibility for Medicare or Medicaid. You have 60 days from the time of the event to sign up for a new plan or make changes to your current plan.

Off-market plans: If you don’t want to purchase an ACA plan on Your Health Idaho, you can buy off-exchange insurance plans from a broker or an insurance agent. Under the ACA, all insurance plans sold, whether on or off-exchange, must comply with ACA rules regarding coverage. Insurance plans must cover pre-existing conditions, mental health care, and other essential benefits. However, off-exchange plans do not offer tax credits or CSRs.

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Idaho | State Health Insurance A-sistance Programs

Idaho | State Health Insurance Assistance Programs

SHIP TA Center. SHIP National Technical A-sistance Center Northeast Iowa Area Agency on Aging 3840 W 9th St Waterloo, IA 50702 877-839-2675 [email protected]

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Children's Health Insurance Program (CHIP) | Idaho Department of Health and Welfare

Category: Health Insurance

The Children’s Health Insurance Program (CHIP) is a low-cost health coverage program for children under age 19 whose family income is too high to qualify for Medicaid. There may be a small monthly premium ($10 or $15, depending on income) for each child enrolled in CHIP.

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Moda Health Brings Innovative Health Insurance Options to Idaho | Business | valdostadailytimes.com

BOISE, Idaho--(BUSINESS WIRE)--Oct 3, 2022--

Idahoans soon will have exciting new options for their medical insurance as Moda Health brings to the Gem State a wide range of its evidence-based plans, innovative programs and signature customer service.

“We’re delighted to offer Idaho access to our high-quality health plans, all backed by our expert a-sistance, full suite of online services and strong provider partnerships,” says Jason Gootee, VP of Sales & Strategic Market Development at Moda Health. “Our company is committed to helping people find the right care at the right time in the right place. We know choosing the health plan that will care for you and your family is a very personal choice and we are happy we now give Idaho residents another choice for this important decision.”

“We’re excited about this new partnership,” says Lannie Checketts, Chief Financial Officer at Saint Alphonsus Health System. “Moda Health has an impressive track record of working with providers to build healthier communities. And now, working together, Moda and Saint Alphonsus Health Alliance, with its robust network of over 3,000 providers which include well-known and established practices in the Treasure Valley, we will be doing exactly that.”

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