This page addresses some of the frequently asked questions regarding insurance. Simply click on a question to see the answer. If you have a question not listed here, please contact us. Will it cost me anything to use your services? There is no cost to you for using any of our services. Our rates are the same as going direct to the carriers. Do you offer the lowest prices? Yes, you will not find the health plans listed on our website at a lower price anywhere. Insurance premiums are regulated in Idaho, so if you buy directly from the insurance carrier or from Insurers of Idaho you pay the exact same premium. What is the advantage of using your services versus going directly to an insurance carrier? Health insurance plans are filed with and regulated by the Idaho Department of Insurance. Whether you buy from Insurers of Idaho or directly from an insurance carrier, you pay the same monthly premium! So enjoy the advantages of our expertise and the ability that we have to submit your completed application directly to the carrier. We think you will find that this ability, along with our friendly customer service, creates an unbeatable combination. We provide unbiased advice to help you select the best plan for your circumstances. What do I need to know about health care reform? Most health care reform changes took effect in 2014. These changes include: The removal of the lifetime caps The removal of annual limits for most covered essential services Wellness services are now covered at 100% with no benefit limit Dependents can be covered through age 25 No pre-existing condition limitations for anyone. Please visit our Healthcare Reform page. If I fill out an application, am I obligated to buy? NO. And in fact, even if you do buy, Idaho law gives you a “10 day free look period” for any insurance policy you purchase. When does my coverage start? Coverage usually starts on the 1st of any given month if your application is completed by the 15th of the previous month. For example, to begin coverage January 1st, we would need to have received your completed application prior to 4 pm on the 15th of December. Can I insure just my child? Yes. There are special application processes for ensuring multiple children without a parent. Please call for details. If I am on a group plan, can my spouse and child(ren) be covered on an individual plan? Yes, but if offered coverage by the employer for spouse, they may not qualify for a federal subsidy What is a pre-existing condition? Pre-existing conditions do not apply any more. Can I use your insurance to replace the SHIP waiver requirements? Yes, you can use a QHP (Qualified Health Plan) instead of SHIP and send a waiver to the school showing qualifying coverage. What is the difference between group and individual insurance? Group health insurance is insurance that is provided through an employer. The employer must pay at least 50% of the employees premium to qualify. Individual health insurance is personal health insurance that you purchase by yourself without the aid of an employer. What is cheaper, group or individual insurance? Individual may be less expensive. Please contact us to look at your individual needs and we will be happy to compare your group coverage vs individual coverage. Do you sell life insurance? Yes. We sell Term Life and we represent only A rated companies and we work hard to find the best value for our clients, please call for a free quote. What types of insurance do you sell? Individual Health Insurance, term life, dental, vision, accident, supplemental plans, Medicare Advantage and HSAs. Can an insurance carrier cancel my coverage? Only for fraud, deliberate misrepresentation or nonpayment of premiums. No insurance carrier can cancel coverage for health insurance claims of any kind. How does a PPO plan work? PPO (Preferred Provider Organization) is a network of doctors and hospitals. Although you have the freedom to use any doctor or hospital, you receive the greatest benefit by using doctors or hospitals that are a part of the PPO network. PPO providers are contractually required to provide services to the health insurance plan’s members at a discounted rate. You won’t be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion. You will have a deductible to pay before the insurance company starts covering your medical bills. You will also have a co-pay for most services or be required to cover a certain percentage of the total charges for your medical bills. With a PPO plan, services rendered by an out-of-network provider are typically covered at a lower percentage than services rendered by a network provider. What is the best health insurance plan for me? This is a very complicated question. In part because the answer varies so much depending upon your personal circumstances, how long you need coverage, your preferences and other relevant factors. Our professionally trained and licensed agents work closely with you, one on one, to insure that we place you with the health insurance plan that best suits your needs. For that very reason we shop ALL of the available insurance carriers in the state of Idaho, something that no other insurance agent or company has typically offered. What is a deductible? A “deductible” is a specific dollar amount that your health insurance company requires that you meet (pay out-of-pocket) before your health plan begins to make payments for claims. All insurance plans offer what is called “pre-deductible” benefits. These are benefits that are available without the deductible being met. These benefits always include wellness services and may also include; doctor office co-pays, Rx, accident benefits, chiropractic, vision, lab and X-ray. What is a co-pay? A “co-pay” is a specific dollar amount that your health insurance plan requires that you pay for services. For example, your health insurance plan may require a $30 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges. How do you protect my private information? At Insurers of Idaho we take very seriously our responsibility to safeguard your personal history and health information. Every place on our website that gathers personal information is protected via SSL (Secure Socket Layer) and can be verified by clicking on the SSL verification at the start of our online application. All data is stored in the most secure fashion and all email correspondence that we send is secured and encrypted. We are continuously updating and doing all that we can to safeguard personal information. Insurers of Idaho will NOT sell, trade or give your personal information to anyone, anywhere at any time for any reason. Insurance carriers for quoting being the only exception.