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Medical

BCI logo The State offers three medical plan options so that employees can select the plan that best meets their needs as well as access providers in their geographic area. Each medical plan provides comprehensive coverage, with different levels of out-of-pocket expenses and premium contribution rates. A Vision Benefit and Prescription Drug Coverage are included with medical plan enrollment. All benefit eligible employees also have access to an Employee Assistance Program (EAP) and Wellness Resources. Deductibles and benefits for all plans are provided on a fiscal year, from July 1 through June 30.

FY22 Medical Plan Comparison & Plan Contracts

Feature NamePPO In-NetworkPPO Out-of-NetworkTraditionalHigh Deductible
FY22 Plan ContractsFY22 Active PPOFY22 Active PPOFY22 Active TradFY22 Active HDHP
FY22 Plan SummaryFY22 Active PPO SBC - UpdatedFY22 Active PPO SBC - UpdatedFY22 Active Trad SBC - UpdatedFY22 Active HDHP SBC - Updated
Deductible - Individual$350$600$450$2000
Deductible - Family$950$1,700$1,250$6,000
Out-of-Pocket Limit - Individual$3,250$6,500$4,300$5,000
Out-of-Pocket Limit -Family$6,750$13,500$8,600$10,000
Plan Payment (% of allowable charges after deductible)ChoiceDocs $10-$20 copay / 85%
Non-ChoiceDocs $20-$40 copay / 85%
70%80%70%
Wellness/Preventive CareNo copay for listed services70%100%100%
Telehealth/MDLiveNo copay
(Covered 100% during the Federal State of Emergency)
N/ANo copay
(Covered 100% during the Federal State of Emergency)
100% after deductible
(Covered 100% during the Federal State of Emergency)
For details about premiums, please see Premium Rates.

PPO Highlights

  • You save money when you use In-Network Blue Cross of Idaho providers
  • Most employees choose this plan

Traditional Highlights

  • Less restrictive provider options, particularly useful for rural, out-of-network areas
  • For non-BCI contracted providers, patient may be responsible for the balance of the bill after insurance has paid their portion

High Deductible Highlights

  • Now HSA compatible therefore all services and prescriptions that are not preventive in nature are subject to the deductible before the plan begins to pay.

Please keep in mind that deductibles and benefit payments are based on allowable charges.
Details about the medical plans, exclusions and waiting periods, can be found in each medical plan document and Summary of Benefits & Coverage (SBC).

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FY2021 Plan Documents

 

 

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