Idaho temporary health coverage may come in handy for many reasons. You could be between jobs or you may only have temporary or part-time employment. Idaho temp health insurance is necessary while you wait for permanent health insurance to begin. Idaho state temporary health insurance can be an affordable alternative to insurance covered under the Consolidated Omnibus Budget Reconciliation Act, or COBRA.

Health maintenance organizations and preferred provider organizations generally do not provide services for temporary medical insurance. Idaho temporary medical insurance policies usually allow the insured party to receive care from any licensed health provider.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Idaho:

1. Gap coverage between standard policies is the goal of temporary health insurance. Idaho employees with temporary health insurance should obtain long-term health insurance at some definite point.

2. Temporary health insurance in Idaho is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Idaho temporary health insurance providers are exempt from the Health Insurance Portability and Accountability Act, or HIPAA. Therefore, these carriers are not required to issue or renew policies.

Action Steps
The best contacts and resources to help you get it done

Obtain quotes for Idaho temporary health insurance policies

There is a wide disparity in costs between companies, but policy holders of Idaho temp health insurance will pay a higher premium for short-term coverage than for a long-term policy.

I recommend: Find some helpful guidelines on how to choose temporary health insurance in Idaho at ConsumerBenefits.net. You can get quotes from multiple companies that provide ID temporary health insurance at the site, as well.

Investigate the types of ID temporary health insurance policies available

Temporary health insurance policies in Idaho may cover only certain groups or conditions, so it is beneficial to understand the intended purpose of a given policy before taking the time to study it in detail.

I recommend: Find a brief description of different temporary health insurance plans in Idaho at eHealthLink. This site provides policies with major health insurers in Idaho, Oregon, Washington and Arizona.

Get personalized quotes for temp health insurance in Idaho

You can get a more meaningful initial quote by providing some information about yourself when applying for temporary health insurance. Idaho residents can utilize websites that will forward your application form to many health insurance companies in the state.

I recommend: Enter your zip code and complete the application form at the Independent Insurance Agents and Brokers of Idaho website. The form will be sent to the individual carriers. They will respond with a quote or reject your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  While temporary health insurance in Idaho generally has a maximum term of six months, you will frequently be able to obtain a second policy if your total coverage for all plans does not exceed one year.
• •  Review any prospective policies for a provision that would extend your coverage beyond the stated expiration date of the temporary medical insurance. Idaho temporary health care plans often will cover total disabilities until other conditions have been satisfied. Many plans also will provide a fixed benefit for partial disability after the policy expires.