Blue Cross Health Insurance

Written by Helen Glenn Court
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Several nationally recognized health care organizations operate in Idaho. One the best known is Blue Cross health insurance. It is distinct from Regence Blue Shield of Idaho. Both, however, are independent licensees of the well-known national Blue Cross and Blue Shield Association. Both have been established in the state since the mid-1940s. Each offers specific advantages.

Blue Cross Health Insurance in Idaho

A nonprofit taxpaying entity, Blue Cross of Idaho is a mutual insurance company. Its offerings include both large and small group health plans. Large groups are defined as organizations with 51 or more employees. Small groups are defined as those with between two and 50 employees. The options for both--required by Idaho law--include preferred provider plans, traditional indemnity, and managed care.

Other Blue Cross health insurance options include a variety of individual and family policies. Annual deductibles range from $500 to $5,000. Out-of-pocket maximums per year range from about $2,000 to $7,000. These figures are ballpark amounts. The age of a policy holder, marital status, and number of children all affect premiums, as do certain pre-existing medical conditions.

Which Blue Cross health insurance policy might be best for you will depend on a host of factors. Your first step is to determine what your health care priorities are, what your needs are, and what your budget is. The second is to weigh these preferences against the different types of plans that Blue Cross offers--traditional indemnity, managed care, or medical savings plan. Working with a health insurance professional licensed in Idaho is always a good idea.

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