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PPO Highlights

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

High Deductible (HDHP) Highlights

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

FY24 Medical Plan Comparison & Plan Contracts (Start July 1, 2023)

Feature NamePPO In-NetworkPPO Out-of-NetworkTraditionalHigh Deductible
FY24 Plan ContractsActive PPO ContractActive PPO ContractActive Trad ContractActive HDHP Contract
FY24 Plan SummaryActive PPO SBCActive PPO SBCActive Trad SBCActive Single HDHP SBC
Active Family HDHP SBC
Deductible - Individual$350$600$500$2000
Deductible - Family$950$1,700$1,400$4,000
Out-of-Pocket Limit - Individual$3,250$6,500$4,350In Network: $5,000
Out-of-Network: $6,500
Out-of-Pocket Limit -Family$6,750$13,500$8,700In Network: $10,000
Out-of-Network: $13,000
Plan Payment (% of allowable charges after deductible)ChoiceDocs $0 copay, $20 Specialist copay / 80%
Non-ChoiceDocs $20 copay, $40 Specialist copay / 80%
60%70%In Network: 70%
Out-of-Network: 50%
Wellness/Preventive CareNo copay for listed services60%100%In Network: 100%
Out-of-Network: 50% after deductible
Telehealth/MDLiveNo copay
N/ANo copay
100% after deductible
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:

Check mark icon 1. Activate your account

nurse icon 2. Choose a doctor

ThumbsUp Icon 3. Resolve your issue

I’m traveling out of the country, what should I know?

As an enrolled member in the State’s health plan, you have the ability to take your healthcare benefits with you when you go abroad. Through the Blue Cross Blue Shield Global Core program, you have access to doctors, hospitals, support tools, and resources around the world.

Here is what you need to know:

  • Always carry your insurance card.
  • Contact the plan before you travel for questions about using services.
  • If direct payment has not been arranged or your local plan is unable to verify your benefit coverage at time of service, you may need to pay upfront and submit a claim for reimbursement.

To learn more, review these resources available from the Global Core program:

Global Core Flyer
Global Core Brochure


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