Will it cost me anything to use
your services?
All services offered by INSURERS OF IDAHO are
provided at no extra cost to you. When you buy any health insurance
plan through INSURERS OF IDAHO, you'll pay the premiums directly
to the insurance company of your choice, and our fees are paid
by the insurance company.
Do you offer the lowest prices?
All health insurance premiums are filed with,
and regulated by the Idaho Department of Insurance. Whether
you buy from INSURERS OF IDAHO, or directly from the insurance
company, you'll pay the same monthly premium for the same plan.
So enjoy the advantage and convenience of shopping and purchasing
your life or health insurance plans through INSURERS OF IDAHO
and be assured that you are getting the best available pricing.
If I fill out an application, am
I obligated to buy?
No. You are never under obligation to buy a
health insurance plan while using our site. After submitting
your application you may cancel it at any time during the underwriting
process. When you submit an application you will likely include
your bank account information, or a check for the initial premium
payment. Most health insurance companies will not debit your
account, or deposit your check until you are approved. If you
are charged or your check is cashed and you are denied coverage
for any reason, or you cancel your application prior to approval,
the insurance company will issue a refund. A few insurance companies
charge an application fee, typically $20 or less. You will be
notified in the application if the plan you chose requires an
application fee. Please note that any fees are non-refundable.
When will my coverage start?
You choose the start date. However, please
allow time for the underwriting process. This can take as little
as 3-5 business days or as long as 2 weeks. Some health insurance
companies such as Blue Cross of Idaho and Regence Blue Shield
will only start coverage on the 1st of the month – if
the application is submitted prior to the 8th of the month,
you can have coverage from the date of application but you would
be required to pay the premium for the entire month. Any coverage
must start within 90 days from the application date.
Can I insure just my child?
Yes, enter your child as the primary applicant
under what would normally be the adult section. If you have
more than one child, the additional children should be entered
in the child rows.
