We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Idaho and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It is important to understand Idaho health insurance regulations before applying. Idaho does not require insurance companies to accept your application. If you have a pre-existing medical condition you may be denied coverage or the insurance company might attach an elimination rider to your medical policy specific to the pre-existing condition. In Idaho there are no limits on the monthly premiums that health carriers can charge. No Idaho Insurance Company can cancel you after you become sick assuming all premiums are paid to date. Let us help you get a Free Idaho Health Insurance Quote
If you are denied individual health insurance then you would be a good candidate for Idaho’s High Risk Reinsurance Pool (HRP). This is a pool of individuals that can’t get health insurance. The state mandates 4 plans; 2 catastrophic and 2 comprehensive.
Idaho Child is an benefit that is offered to try and make sure all of the children residing in Idaho have access to medical care.
If you are interested in getting more information on the health insurance in Idaho
Like many other residents of Idaho, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Idaho Residents to continue getting their Idaho Group Health Insurance even if they are not employed by their employer anymore. Idaho COBRA Health Insurance is similar to most other states in the fact it only lasts for 18 months, in most instances.
Often college students find themselves paying a lot for Idaho Student Health Insurance. This does not have to be the case. It does not matter if you go to Idaho State, Boise State, Lewis and Clark University or any other school; we can help you find an affordable Idaho student health insurance plan. There are certain requirements Idaho has for its student health insurance policies, but for the most case ID Student Health Insurance is very affordable. To get a quote just click here!
Idaho Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Idaho Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Idaho Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Idaho Health Insurance Companies
Blue Cross Blue Shield of Idaho – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Idaho insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Idaho is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Idaho. Not only does Humana offer Health insurance in Idaho, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Coventry – also known as Coventry Health Care of Idaho, has been in business since 1988. They are a unique health insurance company because they specialize in offering Idaho residents self employed health insurance as well as short term health insurance. Currently their network includes over 210 hospitals in the area.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Idaho!
