Medical

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.

FY21 SBCs – Begins July 1

Adult and Pediatric Vision Benefits will now be posted in a separate plan document and not included on the SBCs. Plan documents will be coming soon.

PPO SBC

Traditional SBC

High Deductible SBC

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.

Medical Plan Comparison & Plan Contracts

Feature Name	PPO In-Network	PPO Out-of-Network	Traditional	High Deductible
FY20 Plan Contracts	FY2020 PPO Contract	FY2020 PPO Contract	FY2020 Trad Contract	FY2020 HD Contract
FY20 Plan Summary	FY20 Summary of Benefits + Coverage	FY20 Summary of Benefits + Coverage	FY20 Summary of Benefits + Coverage	FY20 Summary of Benefits + Coverage
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)	$20 copay / 85%	70%	80%	70%
Wellness/Preventive Care	No copay for listed services	70%	100%	100%
Telehealth/MDLive	$10 copy	N/A	80%	70%

For details about premiums, please see Premium Rates.

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).

You now have access to virtual care, anywhere

Meet Sophie, your MDLive Personal Health Assistant. Sophie makes creating an account quick and easy using your smartphone, anytime, anywhere.

Text ‘bcidaho’ to MDLIVE (635483)

How it works:

1. Activate your account

2. Choose a doctor

3. Resolve your issue