A number of residents in Idaho don’t have any form of affordable Idaho health insurance coverage. Fortunately, this problem can be resolved through various means, as even the state government offers potential solutions for those with low income and special circumstances.
Private and Small Business Health Insurance Idaho
Purchasing affordable health insurance from a private carrier seems like a practical solution for those who can afford it. There’s no need to contact every potential Idaho health insurance company to check up on their available plans for you.
All you need to do is to enter your zip code into our search bar, and you should have plenty of options to choose from. You can then get available plans for your location, and these plans will come from reputable health insurance carriers such as Cigna.
However, if you’re an employee, then you can be enrolled in your employer-sponsored health insurance plan. This ensures that no employee can be denied coverage because of a pre-existing medical condition, although such a condition may well affect the premium rates for the entire group. Employees will only need to pay a smaller fraction of the premium as the employer contributes towards the premium payments.
If you do lose your job, you can extend your previous employer’s health insurance through the COBRA program. While you do have to pay for the whole cost of the premiums, at least you will still be covered as you try to secure another job. The extension can last up to 18 months so you should have enough time to find new employment.
It’s important that you maintain your coverage, especially if you’re a new employee with a waiting period before the new health insurance takes effect. If your lapse in coverage goes on for more than
This program is the Access for Health Insurance, and it’s designed to help make health insurance more affordable for employees of qualified small businesses. The program provides $100 per person towards the monthly premiums, and a family can enjoy a maximum additional contribution of up to $500.
For an employee to qualify, they should be a resident of Idaho, a legal resident or a US citizen, and lack health insurance at the time of the application. Employers can qualify if they have 2 to 50 employees, have at least one single employee who meets the requirement, and currently does not offer health insurance as part of the employee benefits. Employers must also be willing to pay for at least half of the monthly premiums.
Medicaid & Low Income Health Insurance Idaho
If your household finds it difficult to afford private insurance, then you may want to apply for Idaho Medicaid for adequate health coverage. Medicaid offers various programs for different types of groups of people. These include children under 19, parents and guardians of children under 19, women who are pregnant or who have been diagnosed with cervical or breast cancer, people who are disabled or blind, and senior citizens over the age of 65.
To be eligible, certain factors will have to be considered, and you need to meet various requirements. Your income and resources will be considered, as well as your citizenship or immigration status, your work requirements, and other circumstances.
This stands for the Children’s Health Insurance Program, and it offers low-cost health insurance coverage for those whose income is still too low for private insurance but is too high for Medicaid. This program ensures that at least the children of these households do not lack for affordable medical care services. The premiums for the health coverage are quite small, typically ranging from $10 to $15 per month.
However, there are still family income guidelines for the CHIP program. Eligible enrollees must also be under 19, a US citizen or a legal immigrant, and must not have private health insurance.
This stands for Idaho’s Medicaid for Workers with Disabilities, and it provides health insurance for Idaho residents who work while they also have a disability. If you wish to apply for this program, you also need to be in the 16-64 age bracket, and you need to meet income and resource limits.
What if you’re 65 years old and older? If that’s the case, you may get help from the Medicaid program known as the Aid to the Aged, Blind, and Disabled. As its name suggests, you can also qualify for this program if you’re blind or disabled (according to Social Security standards). You also need to be a citizen or a legal resident, and there are specific financial guidelines as well.
This refers to the Preventive Health Assistance program, and it’s a benefit for various Medicaid participants. It includes a Weight Management program for adults and children over five years of age who have been deemed either overweight or underweight. The benefit offers up to $200 per year to pay for nutrition services, healthy lifestyle classes, or a weight management program.
The Wellness PHA gives an additional incentive for parents to keep their children up to date on their immunizations and well-child checks. This benefit is for families whose children are enrolled in the CHIP program, and it’s not for those with private health insurance. If the parents do manage to keep their enrolled children current on their immunizations and checkups, they may enjoy a $10 deduction in their monthly premiums. The CHIP premiums typically go for only $10 to $15 each month for each child.
Idaho Open Enrollment 2019 & Idaho Obamacare Insurance
The Idaho Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Idaho, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.