Best Health Insurance Agencies in Nampa

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.
  

• What are the different types of health insurance available to Nampa residents?

  Nampa residents can choose from HMO, PPO, high-deductible, and catastrophic health plans. HMO plans may cover only network providers. Although more expensive, PPO and POS plans enable out-of-network physicians and facilities. Additionally, a high-deductible health plan features lower premiums and higher deductibles. You can pay qualified out-of-pocket medical expenses via health savings accounts or health reimbursement arrangements. Furthermore, a catastrophic health insurance plan covers fundamentals but with a high deductible. A safety net covers accidents and catastrophic illnesses. Most catastrophic plans do not cover prescriptions and vaccinations.

• What alternatives are available to you if you lose your employer-provided insurance in Nampa?

  Unemployment or voluntary resignation in Nampa that results in the loss of your employer-provided health insurance may qualify you for coverage during a Special Enrollment Period. You can also enroll in COBRA for the duration of the benefit period. The U.S. Department of Labor can provide you with information about your entitlements under the Consolidated Omnibus Budget Reconciliation Act. If you lose your health insurance after retirement, your employer may provide continuation services.

• Is a health insurance plan accessible to tribal members who are residents of Nampa?

  Yes, the Patient Protection and Affordable Care Act includes health insurance benefits tailored specifically for Alaska Native Claims Settlement Act Corporation shareholders and members of federally recognized American Indian tribes residing in Nampa. Individuals of American Indian descent, as well as those who meet the criteria for services provided by the Indian Health Service, an urban Indian health program, or the Public Health Service, are also eligible for certain benefits.

• What is the Katie Beckett Program, and who is eligible for it in Nampa?

  Katie Beckett enables children living at home with long-term impairments or complex medical needs to receive Medicaid services even if their family income exceeds the Medicaid federal poverty guidelines. To be eligible for the Katie Beckett program in Nampa, your child must have at least one of the following chronic diseases: autism, intellectual disability, seizure disorder, or cerebral palsy. Furthermore, the child must have significant limitations in at least three key life activities, which are self-care, language, learning, mobility, self-direction, independent living, and economic self-sufficiency.

• Who is eligible for Nampa's Breast and Cervical Cancer Medicaid Program?

  Nampa residents who receive a Women's Health Check and are diagnosed with breast or cervical cancer may be eligible for financial assistance with treatment costs through the Breast and Cervical Cancer Medicaid Program. To be eligible for the program, the requirements must be met. You are between the ages of 50 and 64, have an income of less than 200% of the FPL, do not have insurance coverage for mammograms or Pap tests, and have been referred by a doctor for symptoms suggestive of breast cancer.

• 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.