Best Health Insurance Agencies in Boise

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Which health insurance expenses are the responsibility of Boise patients?

  Boise residents are accountable for covering deductibles, coinsurance, and co-payments when they access healthcare services. A deductible represents the initial amount you pay before your insurance plan initiates reimbursement. Coinsurance signifies the percentage of your eligible healthcare expenses you are obliged to contribute. Essentially, a deductible serves as the initial financial obligation that you, as the insured person, must fulfill before your insurance coverage comes into effect.

• Are non-U.S. citizens living in Boise eligible for ACA health insurance in Idaho?

  Residents of Boise who hold worker or student visas and are not U.S. citizens can purchase ACA health insurance from Your Health Idaho once the open enrollment period commences. The open enrollment window for coverage in 2024 will kick off on October 15, 2023. Individuals experiencing a qualifying life event like marriage or divorce can also enroll during the special enrollment period.

• Can Boise residents use Medicare coverage when they are out of state?

  Boise residents can access medical services in other states thanks to the comprehensive nationwide coverage provided by Original Medicare to its members and beneficiaries. In contrast, a Medicare Advantage Plan's coverage is exclusively within the policyholder's residing state, although it does offer in-network health services when seeking care outside the state.

• What are the essential health benefits for Boise residents covered by all plans in the Your Health Idaho exchange?

  Boise residents with health plans from insurers participating in the Your Health Idaho exchange receive essential health services, such as access to hospitalization, physician consultations, prescription medications, and emergency room services. Health exchange insurers are obligated to accept individuals with illnesses, and there is a limit to charging middle-aged and older adults no more than three times the rate charged to younger individuals.

• How do Boise residents choose the Medicare coverage that fits their health insurance needs and budgets?

  Residents of Boise have the option to choose between Original Medicare or a Medicare Advantage plan such as an HMO or PPO. Original Medicare comprises hospital coverage (Part A) and medical insurance (Part B), while Medicare Advantage provides an alternative for combined health and prescription drug coverage. Additionally, individuals can make a choice regarding whether to obtain supplemental coverage.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.