When it comes to the cost of health care, whether a health provider is in-network matters. Whether your health insurance plan is an HMO, PPO, POS or other network type also may affect your cost for care. What can you do to minimize surprises in health care costs? First, know what type of network your […]
Why Health Plan Networks Matter Read More »
There are some significant changes on the horizon for individual health plans on the Idaho Marketplace. Those enrolled through yourhealthidaho.org who are using a tax credit to offset premium costs need to be prepared. This change, which will occur starting in 2026, was set in motion years ago through the Enhanced Premium Tax Credit (EPTC)
Idaho ACA Health Plan Critical Updates for 2026 Read More »
Most Idahoans start Medicare when they turn 65. This means that individuals enroll in Medicare parts A and B with the Center for Medicare Services (CMS). Typically, the enrollment process starts with a phone call or walk-in to the Social Security office or applying online. Sometimes Medicare initiates an automatic enrollment, usually if an individual
How to lower your Medicare Part B Premium Read More »
What is an APTC? In Idaho, individuals and families enrolled in the Idaho Health Insurance marketplace may be eligible to receive a tax credit to help pay for health insurance premiums. The Federal government pays this tax credit on behalf of the policy holder, a calculated amount each month, to their insurance company. This Advanced
How to Reconcile your Health Insurance Tax Credit (APTC) Read More »
Prescription Drug coverage is an important health plan benefit for many people. From drug deductibles to drug tier levels to co-pays and co-insurances, you need to know how your drugs will be covered. Let’s take a look at drug tiers specifically. What are Drug Tiers? Every insurance company who offers prescription drug coverage creates a
Prescription Drug Tiers Explained Read More »
Changes are coming for individuals who are eligible for BOTH Medicare and Medicaid in Idaho. Let’s briefly review those changes, what to expect, and what you can do if you are affected by these changes. What is the difference between Medicaid and Medicare? First, what is Medicare? It is a federally run health insurance program,
Idaho Medicaid / Medicare Dual-Eligible Programs Read More »
Did you know you may have access to Fitness Benefits on your Health Insurance Plan? Some health insurance plans offer a fitness benefit, which offers a discounted or no cost option for physical exercise using plan-covered facilities or equipment. This includes some Individual Plans, some Small Group Plans and most Medicare Advantage Plans. As an
What is a Fitness Benefit? Read More »
What options do you have when health insurance becomes unaffordable? Sometimes, employer or private health insurance is not affordable based on an individual or family income. There are several ways to approach making your insurance premium affordable. First, with an individual plan, you can apply for a tax credit. Your Health Idaho is the only
Is your health insurance affordable? Read More »
Whether you need an ACA (Affordable Care Act) Insurance plan or a Medicare plan, there are only certain times during the year when you can enroll. Let’s review those options. If you need an individual or family plan, (not Medicare) you could be eligible for a Special Enrollment Period for these reasons: Birth or Adoption
Special Enrollment Periods Read More »
