Coverage on Your Health Idaho
The price of health insurance for individuals and families sold on Your Health Idaho is determined by the insurance plan you choose. You may qualify for a tax credit that can help offset the cost of monthly premiums and out-of-pocket expenses. Tax credit and cost-sharing reduction eligibility is determined by the Idaho Department of Health and Welfare and is based on household size, income, and other factors.
With Your Health Idaho, you can compare a wide range of health insurance plans and choose the one that works best for you and your budget. View current plans and prices now.
All plans sold on Your Health Idaho have met the high standards of Your Health Idaho and the Idaho Department of Insurance (DOI). You can rest assured that each plan sold on YHI covers the same set of essential health benefits (EHBs) with the exception of catastrophic plans. The amount you pay for these services will vary by the plan you select. These benefits include:
- Ambulatory care (outpatient) services
- Emergency services
- Maternity and newborn care
- Mental health and substance abuse services
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services, including annual physicals and mammograms
- Chronic disease management
- Pediatric services, including dental and vision
Starting in 2014, a pre-existing condition will not keep you from getting health coverage. An insurance company can’t turn you down or charge you more because of your condition.
Once you have insurance, the plan can’t refuse to cover treatment for pre-existing conditions. This is true even if you have been turned down or refused coverage due to a pre-existing condition in the past.
Each insurance company manages the network of doctors available for each plan.
When comparing plans on Your Health Idaho, we encourage you to make sure your doctor is included in the plan that you want to buy.
You may request to reinstate coverage within 15 days of the notice of disenrollment (the date of the notice, not the termination date).
To reinstate your coverage, contact your insurance carrier directly and request a Your Health Idaho reinstatement. The contact information for your insurance carrier can be found on the back of your insurance card.
A Managed Care Plan is a health plan that has contracts with certain doctors, hospitals, pharmacies and other types of healthcare providers. HMO’s (Health Maintenance Organization), PSO’s (Point of Service Option)andPPO’s (Preferred Provider Organization) are types of managed care plans that offer different benefits.