Idaho Health Insurance Coverage...
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  If you are searching for ways to lower your health insurance costs and you live in the State of Idaho...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

   What protections are you afforded in the State of Idaho regarding your health care insurance costs?

• Summary of Your Protections.
     Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another. A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans. In addition, states can pass different reforms for the health plans they regulate (fully insured group health plans and individual health plans), so your protections may vary if you leave Idaho. Idaho has expanded protections for certain kinds of health insurance beyond what federal law requires. Neither federal nor state laws protect your access to health insurance in all circumstances.
• How are you Protected?
     In Idaho, as in many other states, your health insurance options are somewhat dependent on your health status. Even if you are sick, however, the laws protect you in the following ways.
• There is a concept called Nondiscrimination
     Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more, because of your health status.
• All health plans in Idaho must limit exclusion of pre-existing conditions.
     There are rules about what counts as a pre-existing condition and how long you must wait before a new health plan will begin to pay for care for that condition. Generally, if you join a new plan your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.
• Your health insurance cannot be canceled because you get sick.
     This means that your health insurance is guaranteed renewable.
• All Idaho residents are guaranteed the right to buy an Idaho Individual High Risk Reinsurance Pool health benefit plan under certain circumstances.
     These circumstances include when an insurance company selling individual coverage in the state turns you down for the insurer™s preferred health plan due to health status or claims experience or an individual health benefit plan is substantially similar to but costs more than the pool™s plans. You are also guaranteed the right to buy this coverage if you are federally eligible. This is called guaranteed issue.
• Individual health plans can charge higher premiums due to your health status.
  Premiums for these plans can also vary due to age, gender, individual tobacco use, family size, where you live, and the type of plan you seek.
• If you leave your job, you may be able to remain in your old group health plan for a certain length of time.
     This is called COBRA continuation coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre- existing condition. You may also be able to buy a conversion plan. There are limits on what you can be charged for COBRA or conversion coverage.
• Guaranteed Issue.
     If you are a small employer buying a group health plan for 2-50 employees, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group.
• If you are a small employer buying a group health plan, you cannot be charged more due to the health status of those in your group.
     You can, however, be charged higher premiums, within limits, because of the age, gender, tobacco use, and location of those in your group. This is called modified community rating.
• If you have low or modest household income, you may be eligible for free or subsidized health insurance coverage through for yourself or members of your family.
     The Idaho Medicaid program offers free health coverage for pregnant women, families with children, and elderly and disabled individuals.

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