Official Government Website
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.
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).
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