Blue Cross of Idaho HSA

(1)  Members must utilize Blue Cross of Idaho’s contracted PPO network to receive in-network coinsurance payment.  Blue Cross of Idaho coinsurance payment is based on our pre-established maximum allowance.
(2)  If an enrollee chooses a noncontracting in or out-of-state provider, they may also be responsible for any charges that exceed our pre-established maximum allowance.
(3)  The combined maximum for Mental Health and Alcoholism or Substance Abuse is 20 visits per insured per benefit period.  Visits include outpatient facility visits as well as inpatient and outpatient professional visits.
(4)  The combined maximum for Mental Health and Alcoholism or Substance Abuse is 8 days per insured per benefit period for inpatient facility charges.

This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

Coverage Synopsis:

HSA Blue allows you to choose between two different plan options: an Individual Plan (coverage for only one member of a household) or a Family Plan (coverage for two or more members of a household).

Individual Plan: Your deductible under this plan option will consist of the first $2,000, $3,000 or $5,000 in eligible covered services per benefit period.  For the $2,000 and $3,000 options, once you have met your deductible and you have paid $2,000 out-of-pocket, your benefits will be covered at 100% for the duration of the benefit period.  For the $5,000 option, once you have met your deductible, your benefits will be covered at 100% for the duration of the benefit period.

Family Plan: Your deductible under this plan option will consist of the aggregate of $4,000, $6,000 or $10,000 in eligible covered services per benefit period for all members of your family covered under this plan, regardless of which individual, or combination of individuals, meets the deductible requirement.  For the $4,000 and $6,000 options, once you have met the deductible and you have paid $4,000 out-of-pocket, your benefits will be covered at 100% for the duration of the benefit period.  For the $10,000 option, once you have met your deductible, your benefits will be covered at 100% for the duration of the benefit period.  

Complete details can be seen by opening the"Outline of Coverage" brochure:

• HSA Blue PPO Brochure

You can also refer to the chart above for a coverage overview.

Rates:

Rates vary based upon zip code, age, and effective date.  Blue Cross of Idaho guarantees your initial premium for 12 months for the benefits selected.  Your premium may change if you change your benefits.  Any new premium applies from the date benefit changes begin.  An exception to the premium guarantee may be made if any state or federal law unexpectedly increases administrative costs or claims liability.  Each policy is subject to a premium adjustment at its renewal.

You can view current rates by getting an instant quote online.

PPO Network:

Blue Cross of Idaho gives you access to one of the largest networks in Idaho, with thousands of health care providers throughout the state.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  The large list of doctors and hospitals can be viewed at their online directory.

Underwriting:

Blue Cross of Idaho has one of the easiest, most efficient underwriting teams in Idaho.  The process is very fast if no medical records are needed.  While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, some applications can be approved within one week.  

The company does have the right to accept or decline any individual or family application.  Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider.  If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can make sure there are no delays in getting you covered.

Effective dates:

The coverage can go into effect in as quickly as 24 hours, though you risk being declined if claims are submitted before the underwriting process is completed.  You may request an effective date any time the date after you sign the application and 60 days later.  Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Blue Cross of Idaho that your coverage has been approved and is in force.

Your earliest possible effective date will be the day after Blue Cross of Idaho has received all the necessary documents and information needed to process your application.

HSA Administrator:

Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator.  We recommend that you choose one from our HSA administrator page, where you can compare rates and features. 

About Blue Cross of Idaho:

Blue Cross of Idaho has been a leader in Idaho's health care industry since it began serving customers in 1945.  They are proud of their Idaho heritage and Idaho focus.  With a reputation as the state's premier insurer, they're committed to help shape the future of health care in Idaho with their members' best interests at heart. 

As an independent licensee of the Blue Cross and Blue Shield Association, Blue Cross of Idaho is a tax-paying, not-for-profit mutual insurance company, with more than 400,000 members enrolled in Traditional, Preferred Provider Organization (PPO), Managed Care, Medicare Supplement and Medicare Advantage products.

HSA for America is an independent authorized Blue Cross of Idaho agent.

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