Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response.   Most Liberal Eligibility Health plans for diabetics - a listing of the health plan options and other resources Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company Pre-existing Condition Insurance Plan - a temporary government-sponsored plan available to citizens/residents who have  been uninsured for more than 6 months due to a pre-existing medical condition. Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family Most Affordable Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits Long Term Major Medical Celticare - well-known renewable individual major medical insurance for discriminating healthy applicants UnitedHealthcare - Golden Rule Insurance, a member of America's largest health plan Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance - fast, easy and inexpensive online term insurance coverage up to $250,000 International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

Idaho individual health insurance exchange Idaho has eight commercial health insurance companies that offer individual major medical insurance and 18 companies that issue small group insurance as well as a state-sponsored high risk health plan for applicants with pre-existing medical conditions. These standard policies may be more expensive than some residents can afford. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. Idaho insurance & benefit news Idaho had the lowest health insurance costs of all states in 2008 with an average family premium of $10,837 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 29th out of the 51 states (including DC). Idaho regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance Celtic Insurance - competitive rates from a well-known insurer Markel Smart STM - popular and affordable short term major medical insurance with fast online approval Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits. Value Access Guarantee - everyone qualifies for this plan that pays in addition to any other insurance Idaho insurance law and regulation The Idaho Department of Insurance Web site contains the complete text of the state's insurance statutes as well as a section that announces and summarizes changes to legislation and administrative rules. Although the site also contains an insurance search feature, it has not been developed as a resource to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance. The state insurance department can be reached by telephone at 208-334-4250 or by mail at P. O. Box 83720 Boise, ID 83720. The state children's health insurance plan (CHIP) Web site is Idaho Child. Small business plans Freedom Benefits offers assistance with customized group health plan design and administration, cost management, insurance and self-funded options for as little as $150 per employee.  More information... Non-insurance Discount Plans Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee Drug Card America - a free prescription drug card that an be used nationwide Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions. See International Coverage and Travel Insurance Listings

Idaho Insurance News

2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 Blue Cross of Idaho Health Service, Regence Blue Shield of Idaho and PacificSource Health Plans are the state's largest health insurance providers and as such, earn the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.

10/17/2011 Idaho became the first state in 2011 to adapt a resolution to urgently request that the U.S. Department of Health and Human Services remove health insurance agent and broker commissions from the medical loss ratio (MLR) calculation; also strongly encouraging Congress to amend the Affordable Care Act to remove agent and broker commissions from the MLR calculation. The stare recognizes that insurance agents, advisers and navigators are more important now than ever before. Freedom Benefits believes that independent professional insurance advice is the single most important professional financial service that an individual can obtain.

10/10/2011 We received notice from Chartis (The Insurance Company of the State of Pennsylvania) the state of Idaho is no longer eligible for any of their international travel insurance plans, in any direction, to or from the US or any other country. Retail plans to be included in this restriction: Liaison Majestic, Liaison Silver, Wander Frequent Traveler, and Disciple Missionary. Other international travel insurance plans remain available and we do not believe that Idaho consumers will be adversely affected by this singular change. We are concerned however, that if the recent trend of state legislative and interpretive enforcement actions continues to pull Idaho too far from the mainstream of U.S. consumer health insurance trends that the state's residents will have fewer low cost health insurance choices and they will ultimately pay more for their health insurance.

7/10/2011 The U.S. Center for Consumer Information and Insurance Oversight announced that Idaho lacks proper resources or authority in the individual or small-group health insurance market to effectively review large rate increases as required by federal law. The federal government will temporarily take over the task of reviewing both individual and small business health insurance rate increases that are greater than 10%.

2/7/2011 The state's pre-exisitng condition insurance plan (PCIP) monthly premium rates (per person):

PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, beginning on your coverage effective date, even if it’s to treat a pre-existing condition - there are no waiting periods. PCIP applicants who are approved to participate in PCIP can choose from three plan options, with different levels of premiums, calendar year deductibles, prescription deductibles and prescription copays. The HSA Option provides an opportunity to open a Health Savings Account, a tax-exempt account where you can deposit funds for eligible medical expenses. Each of the three PCIP plan options provides preventive care (paid at 100%, with no deductible) when you see an in-network doctor and the doctor indicates preventive diagnosis. Included are annual physicals, flu shots, routine mammograms and cancer screenings. For other care, you will pay a deductible before PCIP pays for your health care and prescriptions. After you pay the deductible, you will pay 20% of medical costs in-network. The maximum you will pay out-of-pocket for covered services in a calendar year is $5,950 in-network/$7,000 out-of-network. There is no lifetime maximum or cap on the amount the plan pays for your care. If you apply for PCIP coverage on the government Web site, you will be billed for the premium once your application is approved. You will need to send in your payment in order for your coverage to be effective. Please do not send in the premium before you are billed. Note that your premium may increase if you age into a higher rate tier, or if PCIP adjusts its premiums to any changes in the commercial market.

12/16/2010 Idaho Department of Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, the Department of Insurance said that it would: 1) Conduct background research to establish scope and citizen impact, 2) Engage stakeholders and create strategies for continued engagement, 3) Evaluate existing government and non-government structures for opportunities to integrate these structures to support an Exchange, 4) Assess current and future resource needs and capabilities, 5) Create recommendations for governance structures, 6) Analyze accounting systems and methods to build on those systems, 7) Analyze existing technology, capacity and needed expansion, 8) Identify changes needed to existing technology and programs to accommodate the implementation of State Exchange, 9) Develop methods and resources needed to manage business operations for an Exchange, and 10) Identify needed enabling State legislation and regulations.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Idaho is now available at Freedom Benefits.