Health Plan Selection Tool
If you want more information on what Blue Cross of Idaho has to offer, visit this page for detailed comparisons of our full-coverage and limited-coverage plans.
The following plans most closely meet the coverage levels you selected:
A Limited Benefit Plan
Essential Blue Plus is a limited benefit plan that offers preventive care along with limited outpatient office visits and prescription drug benefits.
Essential Blue Plus covers inpatient hospital and surgical services. Essential Blue Plus also has limited benefits for doctors office visits, lab and X-ray and outpatient prescriptions.
| Essential Blue Basic Plan Highlights |
|---|
| Choice of deductibles: $1,000, $2,000, $3,000 and $5,000 |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Flexibility to use out-of-network providers for most services. |
| PPO benefits and savings outside Idaho through BlueCard PPO network providers. |
| Preventive care benefits from PPO providers, deductible waived. |
| Outpatient prescription drugs not subject to deductible and coinsurance - uses WellPoint pharmacy network. |
| Maternity care covered with separate deductible. |
A Limited Benefit Plan
Essential Blue Basic is the least expensive policy we offer. Keep in mind, this limited benefit plan does not have benefits for most outpatient care (like doctors office visits, lab and X-ray and prescription drugs.
Essential Blue Basic is a limited benefit preferred provider organization (PPO) plan that covers inpatient hospital and surgical services.
| Essential Blue Basic Plan Highlights |
|---|
| Choice of deductibles: $1,000, $2,000, $3,000 and $5,000 |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Flexibility to use out-of-network providers for most services. |
| PPO benefits and savings outside Idaho through BlueCard PPO network providers. |
| No outpatient prescription drug benefit. |
| Maternity care covered after separate deductible. |
Affordable Major Medical Coverage
Simply Blue an affordable major medical plan, rich in benefits with an enhanced wellness and preventive care buy-up option.
Simply Blue is high-quality, major-medical health insurance coverage. The plan keeps you covered through your dailiy life and protects you against unforeseen problems in the future, while providing an uncompromising level of customer service at an affordable price.
| Simply Blue Plan Highlights |
|---|
| Choice of individual deductibles:$2,500, $5,000, $7,500 and $10,000 Choice of family deductibles:$5,000, $10,000, $15,000 and $20,000 |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Wellness and preventive care buy-up package available. |
| Unlimited coverage for generic drugs. |
| Maternity care covered subject to separate $10,000 deductible. |
A Limited Benefit Plan
Latitude is a limited benefit plan with a low deductible that covers preventive care, prescription drugs, emergency and hospital services and limited outpatient services.
Members have coverage for preventive and routine care while being protected against unexpected, expensive medical treatments.
| Latitude Plan Highlights |
|---|
| Deductible: $250 per individual; $500 per family |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Deductible waived for preventive care benefits up to $500 when using in-network providers. |
| Unlimited coverage for generic drugs. $1,200 maximum for brand-name drugs. Includes contraceptives. |
| Ten office visits covered per benefit period. |
| Maternity care covered subject to separate $5,000 deductible. |
A Full Coverage Plan
HSA Blue PPO plan is a full coverage, high-deductible health plan that meets federal requirements for use with a health savings account (HSA). To find out more about the financial advantages of an HSA, contact your local financial advisor and find out what financial arrangement is best for you.
HSA Blue is a preferred provider organization (PPO) high-deductible health plan that meets the federal qualifications for use with a health savings account (HSA).
| HSA Blue Plan Highlights |
|---|
| Choice of individual deductibles:$2,000, $3,000 and $5,000 Choice of family deductibles:$4,000, $6,000 and $10,000 |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Flexibility to use out-of-network providers for most services. |
| PPO benefits and savings outside Idaho through BlueCard PPO network providers. |
| Preventive care benefits from PPO providers, deductible waived. |
| Outpatient prescription drugs subject to deductible and coinsurance. |
| Maternity care not covered except for involuntary complications of pregnancy. |
A Full Coverage Plan
BlueCare PPO is a full coverage plan with multiple deductible options and the flexibility to use any healthcare provider.You have lower out-of-pocket costs when you use in-network providers.
BlueCare is a preferred provider organization (PPO) plan that covers office visits to PPO doctors with a copay you dont have to meet your deductible first.
| BlueCare PPO Plan Highlights |
|---|
| Choice of deductibles: $1,000, $2,000 and $5,000 |
| Lower out-of-pocket costs when you use preferred (PPO) providers. |
| Flexibility to use out-of-network providers for most services. |
| PPO benefits and savings outside Idaho through BlueCard PPO network providers. |
| Preventive care benefits from PPO providers, deductible waived. |
| Outpatient prescription drugs covered with no deductible and 50% coinsurance uses WellPoint pharmacy network. |
| Maternity care covered with separate deductible. |
Find a Provider
Medicare
Prescription Drugs
Medicare Formulary