Individual Health Plans
Monday, June 29, 2015  
Types of Health Plans
Types of Health Coverage
Health Insurance Companies
Health Insurance Companies

Blue Cross of Idaho (BCID)

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We do not have information about existing policies.

Individual Health Insurance – Wish you didn’t need it, but can’t have a secure future without it these days. We all know the cost of health care is rising sharply. If you live in Idaho and are looking for individual coverage, you can take comfor in knowing that Blue Cross of Idaho provides health plans to 550,000 of your neighbors (as of March 2011). Their company mission is to provide access to quality and affordable health insurance with excellent customer service.

You may think that you are one of only a few people who need this type of coverage – but you’re not! While most people have access to group health coverage, there are still many people who need the individual type. This includes people who are self-employed, at a job without health benefits, recently graduated, recently divorced, considering early retirement, off of COBRA, etc. Your needs for a plan are unique, and that’s where BC of Idaho can help. They have multiple plans so it is easy to find a plan tailored to your needs and your budget.

BC of Idaho Individual Health Plans

BlueCare™ PPO

Offers the Preferred Provider Organization network of health professionals that will help you save with out-of-pocket costs. You have freedom to choose other health providers not in the network but it will cost you more. There are three programs to choose from when signing up: 1000, 2000, and 5000. Each has different deductibles, co-payments and out-of-pocket maximums. All three come with prescription drug coverage, wellness and prevention services.

Essential Blue™ Basic PPO

Provides four deductible levels to choose from. The premiums are lower than the above plan but still provide coverage for major illnesses. You should choose this plan if you do not need help paying for certain medical services, like office visits. By staying within the PPO network of providers you save even more.

Essential Blue™ Plus

Provides coverage similar to Essential Blue Basic PPO, but it also includes office visits with a $30 network co-payment per visit (with a maximum number of visits). There are four deductibles to choose from, as well as prescription drug coverage.

Personal Blue

Provides individual major medical coverage and has four levels to choose from. Choices include deductibles, out-of-pocket maximums, and coinsurance coverage. You can choose any participating Blue Cross health professional.

HSA Blue

Involves a Health Savings Account combined with a high deductible PPO health insurance plan. With the tax-exempt HSA, you deposit money in the account and use it toward your annual deductible and other allowed medical expenses. Any money leftover is allowed to remain in the account and grow tax free – or you can use it later for needed medical costs. The high deductible PPO plan comes with a lower annual premium, although you still have the comprehensive health coverage that comes with a Blue Cross of Idaho PPO plan.

Dental Blue™ PPO

Offers lower cost dental coverage through the Blue Cross of Idaho network of dental providers. You have a choice of two different maximum benefits per year and per person: $1000 or $1500. In-network preventive services have a $20 co-payment. Both routine and major dental procedures are covered, but in varying amounts according to the plan.

Short Term Blue

Provides temporary health coverage for one to ten months. There is a $500 deductible, 20% coinsurance after the deductible for covered services, maximum out-of-pocket expenditure of $2500. This plan is intended for those who need health insurance for only a short time.

Medigap (Medicare Supplement) Classic Blue

Provides extra help with costs not always covered by Medicare.

Medicare Advantage True Blue (HMO)

Provides a low cost health plan to seniors by providing extra benefits over and above Medicare. It is available in only a few counties of Idaho.

Medicare Advantage Secure Blue PPO

Offers the Blue Cross network of PPO providers for health services that are over and above Medicare. While it is available in only a few counties of Idaho, it offers comprehensive health coverage.

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BC of ID Office Location

3000 E. Pine Avenue
Meridian, ID 83642

P.O. Box 7408
Meridian, ID 83642

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Are you over 65?
Yes   No is not associated with Medicare or the Center for Medicare and Medicaid Services. The Center for Medicare and Medicaid Services has neither reviewed nor endorses this information. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult

A Medicare Advantage plan is a health plan provided through a private insurer and delivering Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. The sales agent that will be discussing plan options with you is either employed or contracted by an agency that sells Medicare plans, a Medicare health plan, or a Medicare prescription drug plan that is not the Federal government. Submitting our form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans.

Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

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