Blue Cross of Idaho has designed HSA Blue^SM to meet the federal requirements of a high deductible health plan that is compatible with HSA legislation.  HSA contributions are tax deductible, and if not used roll over each year and grow tax-deferred.

Before applying please read the Exclusions and Limitations information, as well as the Enrollment Guidelines on the plan brochure.

HSA Blue PPO Plan at a Glance

HSA Blue is a Preferred Provider Organization health plan, and the choice of health care providers is yours.  HSA Blue has both in-network and out-of-network benefits.  To get the most in benefit payments, you should choose providers from Blue Cross of Idaho’s PPO contracting network.  Their extensive provider network will ensure that you receive quality health care at affordable rates.

Use the Expand button to the right to view the Blue Cross of Idaho HSA Blue plan details chart...

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. 

Rate Information

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.

Blue Cross of Idaho 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 Administrators

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.