Idaho State Health Insurance

Written by Helen Glenn Court
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As you study the options for getting covered by Idaho state health insurance, a checklist will keep you on course to a safe decision. First is to be sure of the company offering the policy. The company screens you, after all. You want to screen the company in return--whether by word of mouth, research at Moody's, Consumer Reports, Weiss, or A.M. Best.

Factors to Consider in Idaho State Health Insurance Policies

Any health insurance policy will stipulate a maximum figure, or lifetime payout. This amount--which is set to protect the insurance company against the exorbitant costs of catastrophic illnesses--should run at least $1 million. Another item to consider is the policy deductible. This is the amount you must pay before insurance coverage kicks in. The higher the deductible is, the lower the monthly premium will be. Ideally you'll set the deductible, hence the premiums, to be as high as you can comfortably afford.

A standard provision in any state, including Idaho state health insurance policies, sets an out-of-pocket maximum--that is, the most you will have to pay per year. This is a total figure, combining the deductible, co-payments, and the like. It's important in the case of serious illness. The lower this maximum is, the higher your monthly premiums will be--just the reverse of the policy deductible.

Certain provisions especially applicable to Idaho state health insurance include renewal options. These are a must, because Idaho law does not stipulate automatic renewal of a health policy. You also want to be sure that the pre-existing condition period is no longer than one year. Ideally it would be as little as three or six months. Emergency care coverage, without any primary care physician approval beforehand, is another policy must-have.

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