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Boise Short Term Health Insurance

Short Term Health Insurance is a temporary type of policy that is really designed to fill a short term need or gap in coverage. Some people think that this can replace a permanent type of policy, but that is not it’s true intention.


Short-term plans in Idaho are usually less than an Affordable Care Act-compliant plan, regardless of the type of short-term plan, you select. The monthly premium cost of short-term health will depend on your plan. Traditional short-term plans usually use age as the main factor to determine the monthly premiums. While enhanced plans use a person’s current health in addition to his age to set the rates.


A traditional short-term health insurance plan in Idaho will range between $60 to $250 a month for someone who is around 30 years old. But enhanced coverage plans may cost more because they are guaranteed issues, meaning providers can’t deny coverage due to a person’s health. Another point to consider is the options for a deductible, copayment, and coinsurance.


Blue Cross Access Plan Brochure

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“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”

Why Consider A Short Term Health Plan


Idaho short-term health insurance plans offer health coverage plans for a limited period, around 1 to 12 months. This plan provides a certain level of coverage such as preventive care, doctor visit., urgent care, and emergency care. they can also cover for a prescription. Short-term coverage is a great solution for those who don’t require medical care.


Applying for this plan doesn’t benefit an individual as major health insurance and will make them ineligible for any guaranteed issue. But many people still prefer this because you can get an insurance plan for an affordable amount.


You may consider this policy if you:
 

  • Are currently between jobs
  • Need coverage for a short period until your permanent policy becomes effective
  • You move out of state to where your current policy will or does not cover you
  • Talk to your agent or broker to help you determine if this plan could be a good option for your situation

 

Short Term or Temporary Health coverage can last as little as a few months up to a whole year. They are flexible to fit your needs. If you still need coverage after a year. You can apply for a new plan but be careful as any treatment from the prior plan could be considered pre-existing conditions.


Most temporary plans do not consider pre-existing conditions so be mindful of this when considering the policy.


The issuing of a policy can be very quick depending on the company you work with and there underwriting policies.

Don't forget the most important policy in your financial plan, Life Insurance rates are at all time lows. We have return of premium plans and no medical exam policies for your review. 




2021 Blue Cross Access Plan Brochure - Download

Blue Cross Short Term Health - Policy Details

This policy from Blue Cross of Idaho is our top choice for a short term health care plan here in Idaho. It is a PPO network and BC has one of the largest networks in all of the state. You can call your Dr. and ask them if they accept Blue Cross before you even begin the process of applying for coverage.  You can download the brochure as well below in a pdf file.


Download Brochure - PDF File

What Companies offer short term coverage:


There are a lot of companies offering short-term health insurance. In this article, we’ll be going to discuss some companies in Idaho with short-term plans coverage. And how does it work for individuals who shop for this plan?


  1. SelectHealth Short-term Plans

SelectHealth is one of the companies that offer an enhanced short-term insurance plan. They began offering this policy as of early 2020. These health insurance plans are more flexible than traditional short-term coverage.

  • Flexible terms. SelectHealth offers plans that are renewable for up to 3-years, giving you a choice on how long you want to keep your plan.
  • Availability. An individual can also enroll in this plan at any time throughout the year. No need to wait for enrollment periods.
  • Basics still covered. Basic covers such as doctor’s services, inpatient and outpatient hospital care, rehabilitation, and more.
  • Assurance. SelectHealth plans are guaranteed issues and a guaranteed renewal up to 3-years.
  • Variable premiums. Premiums may vary depending on how healthy an individual. If a person has a pre-existing condition (PEC) it might affect his monthly premiums. They’re also an awaiting period before the coverage kicks-in relating to a PEC.

But SelectHealth is continuing to sell traditional short-term plans. 

 

  1. Blue Cross of Idaho Short-term Plans

December 1, 2019, when Blue Cross of Idaho starts selling enhanced short-term plans. Blue Cross of Idaho Short-term PPO or Preferred Provider Organization offers a limited program for temporary coverage. An individual who purchases this coverage can protect themselves and their eligible dependents during that coverage. They can choose their coverage for just 1-month or up to ten months. Once you enroll you may not enroll any additional dependents with the sole exception of a newborn or adopted child.


Like SelectHealth, Blue Cross of Idaho is offering short-term health insurance. Short Term Health Plans can help fill the gaps in your coverage during times of transition. Pre-existing conditions don’t cover Blue Term plans. It is non-renewable coverage, meaning you’re not allowed to enroll in another short-term plan for 63 after your initial coverage period ends. 



The following list is not all encompassing for sure. You can google on your own but here is a short list of companies we know and are more local. You will need to call them or visit their website to make sure they sell in Idaho.

 

  • Select Health
  • Blue Cross of Idaho
  • United Health Care
  • Mountain Health Coop

 

Again this is a short list but In my opinion the 3 best carriers that offer probably the best coverage. Give us a call to discuss your options and if this plan or coverage will be right for you.


Some companies will cover preventative care but not all. Make sure you understand this prior to purchase.


Prescriptions may or may not be covered. If you take a number of medications make sure you understand what is or is not covered.


What about your network or current Doctor. This will be determined by what type of plan you go with. It could be an HMO or a PPO so ask the company for a list of providers. You can also call your current Doctor and ask if they accept the insurance from the carrier you are considering.


As you can see there is more that goes into these types of plans are simple but like any insurance can be complex. Talk to your broker/agent or call the company direct, sometimes they can be very helpful.


If you are retired and looking for health coverage, check out Medicare supplement insurance Boise here.

How To Apply For Short Term Health Plans 


Boise Health Coverage 

Applying for short-term health insurance is available online or through a private health company or licensed health insurance agents and brokers. No need to wait for the open enrollment period or special enrollment to purchase short-term coverage, which means you can buy it any time of the year. The process of enrollment and application is quick and easy. You’ll have to answer a brief health questionnaire to determine your eligibility, which will take a second.


It is always a good idea to find out exactly what coverage is included with your short term health insurance plan. Coverage is usually divided into two different categories. First, there is regular coverage, which is used to cover things like an ambulance, room and board, and even certain prescriptions. Second, there are also medical payments that are used to pay a portion of what you owe on medical bills.


Your short-term health insurance may also have coverage that can also include vision and dental coverage. However, you will be covered for vision care only if you pay a fee or co-pay each month for vision care. Our agents will help you walk through the plans and help you decide which is best for your family. 


Be sure to shop around and compare the different types of plans available to you. It is important to have a short term health insurance plan because it will provide you with the best coverage possible and allow you to be able to move from job to job. You will also be able to rest assured that you are protected by your short term health insurance while still having the freedom to travel where you please. We will shop the marketplace and exchanges so you don't have to worry about that. One call does it all. 


One of the main reasons that people do not purchase short-term health insurance coverage is that they don't know where to find it. There are a number of different ways that you can find the coverage that you are looking for.


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“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”

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