Health Insurance
It can be confusing to choose the right type of health insurance policy. If you’re interested in protecting yourself from catastrophic losses while keeping premiums low, a high-deductible plan may be the best option for you. This type of plan is most often chosen by families who don’t have complicated healthcare needs. All costs are paid out of pocket until you reach your deductible, after which your health insurance takes over.
If you or your family members frequently visit the doctor, you may prefer a plan with a lower co-pay for those visits. This type of plan will have a higher monthly premium but will make your out-of-pocket costs more manageable. You can also keep your co-pays down by sticking to the providers who are in network for your insurance policy.
Affordable Health Insurance for Families
To get the best coverage for your family, our agents will go through the process with you. We are certified on the Your Health Idaho Marketplace and can assist you with options for tax credits or Medicaid. We can even help you find direct or short-term policies, whether this serves to provide coverage for a temporary medical condition or to bridge an employment gap.
Besides health insurance, we also recommend setting up dental and vision insurance. As with other preventive care, it’s important to schedule regular dentist and optometrist visits to keep your entire family in the best of health. Do you already have a pediatrician or pediatric dentist you adore? We’ll make sure your health insurance plan covers your favorite doctors and dentists.
Group Health Insurance for Your Small Business
In Idaho, an employer consisting of two or more employees is eligible for group insurance. If you’re running a small business, even if it’s a husband-and-wife team, you can take advantage of this option. As long as the employer-sponsored insurance is offered to all employees (whether they sign up or not), you can get affordable health coverage for yourself and your family this way.
Employer-sponsored insurance plans provide tax benefits for the employer and the employee. In addition to health insurance, this plan can also offer vision and dental benefits. We can even find options to offer life insurance and disability insurance for your employees through these group plans. The group health plans also have different options and can be high-deductible plans or policies with higher monthly premiums but lower co-pay per doctor’s visit.