Short Term Health Insurance Plans In Idaho

Are Short Term Health Plans Right For You

Short-term health insurance in Idaho is something that many people don't think of. The problem is that a lot of the policies that are offered through private insurance companies do not give you any coverage for a pre-existing condition. This means that if you were to get sick before the policy expired, you would be paying for it. What's more is that if you were to get ill during the time that the policy was in effect, then you'd have no coverage at all. That is definitely not the way that you want to plan your health. Fortunately, there are options for those who need temporary coverage. 



One of the most common ways to get short-term health insurance in Idaho is to use an employer. Most private employers offer some kind of insurance plan. If you have a job that offers this type of coverage, you will want to check into what they offer. You may find that you can instantly add on another health insurance policy. Many employers offer their employees high deductible policies that can be paid in monthly installments.

How To Buy Temporary Health Coverage

These health insurance policies are also available through government-run plans. These plans are often called Medicare supplements and are designed to fill in the gaps left behind when you retire or when you become disabled. Some of these plans also include long-term health insurance plans at a lower rate. Another option that you have is to use your personal assets to pay for the premiums of the policy. However, this option has some disadvantages. First of all, you need to remember that each and every time you make a claim, you are raising your own deductible and adding costs to your policy. The end result is that you could end up paying thousands of dollars a year for coverage.

Fortunately, there are many companies in Idaho that can provide temporary health insurance. One of these companies is Blue Cross of Idaho. They have been providing short-term coverage for residents of Idaho for the last several years. They have plans that are both short and long-term, with different premium options to fit your budget. For more information please visit Blue Cross and learn about their plans.

The short-term PPO plan, however, allows you more freedom in what type of coverage you want. You will be able to select the physicians, hospitals, and other specialists that you would prefer to see. You will also have more freedom in the amount of out-of-pocket expenses that you will have to pay. Some plans do not require that you pay a percentage of your doctor's visits, but if you do not have extremely high health care bills, they will take that into consideration. In addition, if you visit a specialist and need surgery, you will still have to pay for it, but you will not be required to pay the entire hospital bill. This is one of the major differences between the two plans.

Why Choose This Plan

There are a number of other reasons that you might consider a plan like this in Idaho. If you are between jobs or have had a family member experience a tragedy, then you may be able to find coverage in Idaho. Also, if you are between jobs and would like to purchase a private policy for the time you have your job, you may be able to find coverage in Idaho as well. Another advantage is that if you have children that you would like to insure, they can be covered by your short-term health insurance policy. In addition, if you are a student and would like temporary coverage for the time you are going to school, this can be arranged as well.

Chris Antrim Insurance can help your family or business with an individual or small group coverage. Give our office a call today and get a free quote or we can review your current policy. We service Idaho, Boise, Nampa, Caldwell, Kuna, Twin Falls, and the entire Treasure Valley! 

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