Blue Cross of Idaho Offers Affordable Insurance Plans for Your Family
Blue Cross of Idaho has been one of the most well-known and trusted insurance companies in the state for over 60 years. The company originally offered coverage for hospital stays only; consumers paid a premium monthly and were allowed 21 days in the hospital per year at no additional charge. As health care needs have changed dramatically over the last six decades, Blue Cross of Idaho has changed to meet the increasing demand for quality care at an affordable price.
Blue Cross of Idaho now offers comprehensive coverage for both individuals and families, large and small employers, Medicare recipients, and people in need of temporary insurance.
Plans for Individuals and Families
Blue Cross of Idaho has a wide variety of PPO plans for you to choose from. Each plan has different benefit limits as well as different deductible options. With a PPO plan, you can choose to go to any physician or medical facility, you simply pay less if you receive services from an in-network provider. Some of the most popular plans include:
- BlueCare PPO-This plan offers deductible choices from $1000 to $5000, and includes services such as hospital stays, prescription drugs, office visits, and more. Preventive care from an in-network provider costs nothing. The plan pays at 80 percent after your deductible is met.
- Essential Blue/Essential Blue Plus-These are both limited coverage plans, which are ideal if you are looking to save money on health care premiums. Both plans cover inpatient hospital and surgical procedures, subject to deductible and co-insurance. The Plus plan also offers preventive care and prescription drug coverage.
- HSA Blue PPO-This plan combines a high deductible health plan with a Health Savings Account, or HSA. An HSA is a non-taxable savings account that can be used to cover medical expenses, including premiums. This is the best plan if you are looking for ways to save money while also taking responsibility for paying a greater portion of your medical expenses.
There are several other non-PPO individual and family plans available, as well as temporary insurance plans. For more information about other plans and rates, please contact a Personal Benefits Consultant at 800-913-0172.
Other Blue Cross of Idaho Products
Blue Cross of Idaho also offers Medicare Supplement and Medicare Advantage plans. You also have the option of adding dental coverage to an existing policy or purchasing a stand-alone dental policy.
Benefits of a Blue Cross of Idaho Policy
In addition to the comprehensive benefit plans and the affordable options, you can also benefit in other ways from being a Blue Cross of Idaho member. They offer discounts on things such as health club memberships, vision care, and even products to keep your infant safe and healthy.
In addition to discounts on some products and services, Blue Cross of Idaho members can take a personal health assessment test to find out what lifestyle choices have an impact on your overall health. Based on your answers, you can access online guidance for weight loss or management, the cessation of tobacco use, how to deal with stress, and many others.
The premium you will pay for a Blue Cross of Idaho health plan depends on several different factors. Your age and general health, whether you use tobacco products, and which plan you choose. Also, not all of the Blue Cross of Idaho plans are available statewide; there are some that are specific to the Treasure Valley area.
In order to find out if the plan you want is available, please visit the Blue Cross of Idaho application page.
About Blue Cross of Idaho
Blue Cross of Idaho is the largest and most well-known health network in the state. They service policies for approximately one-fourth of the state, including individuals and group employers. In addition to their ongoing commitment to providing excellent health benefits at affordable prices, Blue Cross of Idaho also actively works toward fostering better health in the communities they serve.
The Blue Crew is an employee volunteer program that participates in a variety of community events like the St. Luke’s Women’s Fitness Celebration and fundraising for the American Heart Association and the Komen Race for the Cure. Blue Cross of Idaho also created the Blue Cross of Idaho Foundation for Health, Inc. This is a non-profit organization that focuses on wellness programs to improve the overall health of Idaho residents.
If you would like to learn more about the available policies through Blue Cross of Idaho, please visit our Blue Cross of Idaho webpage. HSA for America is a licensed broker for the company. Our Personal Benefits Consultants can guide you through the process of choosing which health plan is best suited for your needs, and help you through the application process. Or, you can apply for coverage using our secure online application found on the same page.
At HSA for America, we believe that finding affordable insurance is an important way to cut costs for medical expenses. Our Personal Benefits Consultants are well-versed in all aspects of health care, and can help you make informed health care decisions. Because we are committed to helping the health care consumer save money, our services are free to you, with no obligation. Please contact us at 800-913-0172 to speak with an Personal Benefits Consultant today.