In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. Idaho health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for Idaho health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.
In this information-filled article, you will find everything you need to know concerning the regulations of Idaho health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.
You will also find interesting statistical information with which you can compare the health of fellow Idahons with the health of residents of other states.
This article will provide you with all the information needed about Idaho health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!
Idaho Individual and Family Health Insurance
Individual and family health insurance plans in Idaho are not a guaranteed issue, but rather are medically underwritten. This means that Idaho health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. Idaho health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. Idaho health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.
Idaho Group Health Insurance
For Idaho health insurance for a group or company, the state of Idaho requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Idaho health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Idaho health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Idaho health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.
Idaho COBRA Insurance
Under Idaho health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their Idaho health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the Idaho health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further Idaho health insurance coverage available through the Idaho Comprehensive Health Insurance Association (ACHIA).
Idaho Health Information and Statistics
If you are in the market for quality Idaho health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Idaho ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in Idaho are a low percentage of children living in poverty, low levels of air pollution, a low incidence of infectious disease, and a low rate of preventable hospitalizations. Idaho also faces many challenges, such as limited access to primary care and low immunization coverage.
According to a 2008 study, Idaho had some significant changes over the past year. These include a decrease in the percentage of children in poverty of 5% and an increase in the prevalence of smoking of 14%. Since 1990, the infant mortality rate dropped by 45% and the incidence of infectious disease declined by 88%.
Following is a variety of statistical data related to living in Idaho, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Idaho health insurance.
- Prevalence of Smoking-18th
- Prevalence of Obesity-14th
- Violent Crime-8th
- Children in Poverty-9th
- Air Pollution-7th
- Cancer Deaths-8th
- Lack of Health Insurance-31st
- Prevalence of Binge Drinking-17th
- Infant Mortality-14th
- Infectious Disease-4th
- Premature Death-16th
Overall Rank: 8
- American Falls
- Bonners Ferry
- Coeur D Alene
- Dalton Gardens
- Glenns Ferry
- Grand View
- Hayden Lake
- Idaho Falls
- Mountain Home
- Post Falls
- Priest River
- Saint Maries
- Soda Springs
- St Maries
- Twin Falls