Small Business

For a free analysis of your group health insurance options, please call 855-447-2900. Mountain Health CO-OP offers you and your employees affordable Idaho health insurance plans, with regional as well as statewide plans. And because we are a nonprofit, our coverage offers an affordable, new choice for small businesses with 50 or less employees.

We say, “It all comes back to you” because it does—by federal regulation, all our profits must be returned to our members in the form of lower premiums, better benefits or improvements in health quality. If you’d like to join us, below are some details about the plans we offer to small businesses. Please feel free to call us, or call your broker, to learn more about how our coverage can help your business.

We offer three main categories of plans:

LINK Coverage

  • Available ONLY to residents of the Treasure, Magic and Wood River Valleys, and McCall area
  • Featuring a narrower network of providers that emphasize preventive healthcare to maintain affordability
  • Choose a plan from this group if having the lowest monthly premium is most important to you
  • Not available in Northern and Eastern Idaho

Access Care Coverage

  • Featuring our widest array of in-network providers, including  85% of Idaho doctors and hospitals
  • Standard PPO (preferred provider organization) plans available statewide
  • Choose a plan from this group if having the widest choice of providers is most important to you

Engage Coverage

  • Available ONLY in these counties: Benewah, Bonner, Boundary, Kootenai and Shoshone.
  • Featuring two tiers of in-network providers to offer a balance of choice and cost savings.
  • Choose these plans if having the lowest monthly premium is most important to you.

2019 Details about our health insurance plans for Idaho employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Office Visits:

Primary/ Specialist

Preventive Care
Maternity
Rx:

Tier 0/ Generic/ Preferred Brand/ Non-Preferred / Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Link Care: $ $7,900/ $15,800 $7,900/ $15,800 $65 copay per visit/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/$15 per drug/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Bronze Plus Link Care: $ $6,750/ $13,500 $6,750/ $13,500 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Link Care: $ $7,900/ $15,800 $7,900/ $15,800 $60 copay per visit/$75 copay per visit You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/$15 per drug/$100 per drug/0% coinsurance after deductible/0% coinsurance after deductible 0% after deductible 0% after deductible
Silver Option 2 Link Care: $$ $5,800/ $11,600 $7,600/ $15,200 $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$5 per drug/$85 per drug/35% coinsurance after deductible/40% coinsurance after deductible 40% after deductible 40% after deductible
Silver Link Care: $$ $3,000/ $6,000 $7,600/ $15,200 $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$10 per drug/$75 per drug/35% per drug after deductible/40% per drug after deductible 40% after deductible 40% after deductible
Silver Plus Link Care: $$ $4,200/ $8,400 $4,200/ $8,400 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Gold Option 2 Link Care: $$$ $1,600/ $3,200 $6,000/ $12,000 $25 copay per visit/ $40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$10 per drug/$55 per drug/30% coinsurance after deductible/35% coinsurance after deductible 30% after deductible 30% after deductible
Gold Link Care: $$$ $900/ $1,800 $4,500/ $9,000 $25 copay per visit/ $35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/$50 per drug/30% per drug after deductible/35% per drug after deductible 30% after deductible 30% after deductible
Bronze Access Care: $ $7,900/ $15,800 $7,900/ $15,800 $65 copay per visit/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/$15 per drug/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Bronze Plus Access Care: $ $6,750/ $13,500 $6,750/ $13,500 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ $7,900/ $15,800 $7,900/ $15,800 $60 copay per visit/$75 copay per visit You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/$15 per drug/$100 per drug/0% coinsurance after deductible/0% coinsurance after deductible 0% after deductible 0% after deductible
Silver Option 2 Access Care: $$ $5,800/ $11,600 $7,600/ $15,200 $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$10 per drug/$85 per drug/35% coinsurance after deductible/40% coinsurance after deductible 40% after deductible 40% after deductible
Silver Access Care: $$ $3,000/ $6,000 $7,600/ $15,200 $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$10 per drug/$75 per drug/35% per drug after deductible/40% per drug after deductible 40% after deductible 40% after deductible
Silver Plus Access Care: $$ $4,200/ $8,400 $4,200/ $8,400 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Gold Option 2 Access Care: $$$ $1,600/ $3,200 $6,000/ $12,000 $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/$55 per drug/30% coinsurance after deductible/35% coinsurance after deductible 30% after deductible 30% after deductible
Gold Access Care: $$$ $900/ $1,800 $4,500/ $9,000 $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/$50 per drug/30% per drug after deductible/35% per drug after deductible 30% after deductible 30% after deductible
Bronze Engage: $$$ $7,900/ $15,800 $7,900/ $15,800 $65 copay per visit/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% coinsurance after deductible $0/$15 per drug after deductible/0% per drug after deductible/0% per drug after deductible/0% per drug after deductible 0% coinsurance after deductible 0% coinsurance after deductible
Bronze Plus Engage: $$$ $6,750/ $13,500 $6,750/ $13,500 $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Expanded Bronze Engage: $$$ $7,900/ $15,800 $7,900/ $15,800 $60 copay per visit/ $75 copay per visit You pay nothing for preventive services in-network – deductible does not apply 0% coinsurance after deductible $0/$15 per drug/$100 per drug/0% coinsurance after deductible/0% coinsurance after deductible 0% coinsurance after deductible 0% coinsurance after deductible
Silver Option 2 Engage: $$$ $5,800/ $11,600 $7,600/ $15,200 $40 copay per visit/ $60 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% coinsurance after deductible $0/$5 per drug/$85 per drug/35% coinsurance after deductible/40% coinsurance after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage: $$$ $3,000/ $6,000 $7,600/ $15,200 $30 copay per visit/ $40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% coinsurance after deductible $0/$10 per drug/$75 per drug/35% per drug after deductible/40% per drug after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Plus Engage: $$$ $4,200/ $8,400 $4,200/ $8,400 $0 after deductible/ $0 after deductible You pay nothing for preventive services in-network – deductible does not apply $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Gold Option 2 Engage: $$$ $1,600/ $3,200 $6,000/ $12,000 $25 copay per visit/ $40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% coinsurance after deductible $0/$5 per drug/$55 per drug/30% coinsurance after deductible/35% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage: $$$ $900/ $1,800 $4,500/ $9,000 $25 copay per visit/ $35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% coinsurance after deductible $0/$5 per drug/$50 per drug/30% per drug after deductible/35% per drug after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Bronze LINK Care: $ $7,000/ $14,000 $7,350/ $14,700
Bronze Plus LINK Care: $ $6,650/ $13,100 $6,550/ $13,100
Expanded Bronze LINK Care: $ $6,150/ $12,300 $7,350/ $14,700
Silver Option 2 LINK Care: $$ $5,600/ $11,200 $7,350/ $14,700
Silver LINK Care: $$ $2,250/ $4,500 $7,350/ $14,700
Silver Plus LINK Care: $$ $4,200/ $8,400 $4,200 $8,400
Gold Option 2 LINK Care: $$$ $1,600/ $3,200 $6,000/ $12,000
Gold LINK Care: $$$ $800/ $1,600 $4,500/ $9,000
Bronze Access Care: $ $7,150/ $14,300 $7,350/ $14,700
Bronze Plus Access Care: $ $6,650 $13,300 $6,650/ $13,300
Expanded Bronze Access Care: $ $6,150 $12,300 $7,350/ $14,700
Silver Option 2 Access Care: $ $5,600/ $11,200 $7,350/ $14,700
Silver Access Care: $ $2,250/ $4,500 $7,350/ $14,700
Silver Plus Access Care: $ $4,200/ $8,400 $4,200/ $8,400
Gold Option 2 Access Care: $$ $1,600/ $3,200 $6,000/ $12,000
Gold Access Care: $$ $800/ $1,600 $4,500/ $9,000
Bronze Engage Tier 1: $$$ $7,250/ $14,500 $7,350/ $14,700
Bronze Engage Tier 2: $$$ $7,300/ $14,600 $7,350/ $14,700
Bronze Plus Engage Tier 1: $$$ $6,650/ $13,300 $6,650/ $13,300
Bronze Plus Engage Tier 2: $$$ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Engage Tier 1: $$$ $5,500/ $11,000 $7,350/ $14,700
Expanded Bronze Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700
Silver Option 2 Engage Tier 1: $$$ $5,000/ $10,000 $7,350/ $14,700
Silver Option 2 Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700
Silver Engage Tier 1: $$$ $2,000/ $4,000 $7,000/ $14,000
Silver Engage Tier 2: $$$ $2,500/ $5,000 $7,000/ $14,000
Silver Plus Engage Tier 1: $$$ $4,300/ $8,600 $4,300/ $8,600
Silver Plus Engage Tier 2: $$$ $4,300/ $8,600 $4,300/ $8,600
Gold Option 2 Engage Tier 1: $$$ $1,500/ $3,000 $6,500/ $13,000
Gold Option 2 Engage Tier 2: $$$ $3,000/ $6,000 $6,500/ $13,000
Gold Engage Tier 1: $$$ $750/ $1,500 $4,000/ $8,000
Gold Engage Tier 2: $$$ $1,500/ $3,000 $4,000/ $8,000
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/ Specialist

Preventive Care
Bronze LINK Care: $ $60 copay per visit/60% after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus LINK Care: $ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze LINK Care: $ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 LINK Care: $$ $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver LINK Care: $$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Plus LINK Care: $$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 LINK Care: $$$ $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold LINK Care: $$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Access Care: $ $50 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus Access Care: $ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze Access Care: $ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 Access Care: $$ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Access Care: $$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Plus Access Care: $$ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 Access Care: $$$ $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Access Care: $$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Engage Tier 1: $$$ $40 copay per visit/60% coinsurance after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Engage Tier 2: $$$ $40 copay per visit after deductible/60% coinsurance after deductible 60% coinsurance after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus Engage Tier 2: $$$ $0 after deductible/$0 after deductible $0 after deductible/$0 after deductible
Expanded Bronze Engage Tier 1: $$$ $40 copay per visit/$50 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze Engage Tier 2: $$$ $40 copay per visit after deductible/$50 copay per visit after deductible 60% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ $40 copay per visit/$45 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 Engage Tier 2: $$$ $40 copay per visit after deductible/$45 copay per visit after deductible 40% coinsurance after deductible
Silver Engage Tier 1: $$$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Engage Tier 2: $$$ $30 copay per visit after deductible/$40 copay per visit after deductible 40% coinsurance after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Silver Plus Engage Tier 2: $$$ $0 after deductible/$0 after deductible $0 after deductible
Gold Option 2 Engage Tier 1$$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 Engage Tier 2$$$ $25 copay per visit after deductible/$35 copay per visit after deductible 30% coinsurance after deductible
Gold Engage Tier 1$$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Engage Tier 2: $$$ $25 copay per visit after deductible/$35 copay per visit after deductible 40% coinsurance after deductible
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Tier 0/ Generic/ Preferred Brand/ Non-Preferred/ Specialty

Bronze LINK Care: $ 60% after deductible $0/$15 per drug/40% after deductible/45% after deductible/50% after deductible
Bronze Plus LINK Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Expanded Bronze LINK Care: $ 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 LINK Care: $$ 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Silver LINK Care: $$ 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible
Silver Plus LINK Care: $$ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Gold Option 2 LINK Care: $$$ 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible
Gold LINK Care: $$$ 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible
Bronze Access Care: $ 60% after deductible $0/$5 per drug/40% after deductible/45% after deductible/50% after deductible
Bronze Plus Access Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Expanded Bronze Access Care: $ 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 Access Care: $ 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Silver Access Care: $$ 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible
Silver Plus Access Care: $$ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Gold Option 2 Access Care: $$$ 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible
Gold Access Care: $$$ 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible
Bronze Engage Tier 1 $$$ 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible
Bronze Engage Tier 2: $$$ 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Bronze Plus Engage Tier 2: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Expanded Bronze Engage Tier 1: $$$ 60% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Expanded Bronze Engage Tier 2: $$$ 60% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ 40% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible
Silver Option 2 Engage Tier 2: $$$ 40% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible
Silver Engage Tier 1: $$$ 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible
Silver Engage Tier 2: $$$ 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Silver Plus Engage Tier 2: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Gold Option 2 Engage Tier 1: $$$ 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Gold Option 2 Engage Tier 2: $$$ 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Gold Engage Tier 1: $$$ 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible
Gold Engage Tier 2: $$$ 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze LINK Care: $ 60% after deductible 60% after deductible
Bronze Plus LINK Care: $ 0% after deductible 0% after deductible
Expanded Bronze LINK Care: $ 60% after deductible 60% after deductible
Silver Option 2 LINK Care: $$ 40% after deductible 40% after deductible
Silver LINK Care: $$ 40% after deductible 40% after deductible
Silver Plus LINK Care: $$ 0% after deductible 0% after deductible
Gold Option 2 LINK Care: $$$ 30% after deductible 30% after deductible
Gold LINK Care: $$$ 30% after deductible 30% after deductible
Bronze Access Care: $ 60% after deductible 60% after deductible
Bronze Plus Access Care: $ 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ 60% after deductible 60% after deductible
Silver Option 2 Access Care: $$ 40% after deductible 40% after deductible
Silver Access Care: $$ 40% after deductible 40% after deductible
Silver Plus Access Care: $$ 40% after deductible 40% after deductible
Gold Option 2 Access Care: $$$ 30% after deductible 30% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible
Bronze Engage Tier 1: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Engage Tier 2: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible $0 after deductible
Bronze Plus Engage Tier 2: $$$ $0 after deductible $0 after deductible
Expanded Bronze Engage Tier 1: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Expanded Bronze Engage Tier 2: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Option 2 Engage Tier 2: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 1: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 2: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible $0 after deductible
Silver Plus Engage Tier 2: $$$ $0 after deductible $0 after deductible
Gold Option 2 Engage Tier 1: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Option 2 Engage Tier 2: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 1: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 2: $$$ 30% coinsurance after deductible 30% coinsurance after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers will provide you and your employees with the most savings. Out-of-network providers will cost more.

2018 Details about our health insurance plans for Idaho employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Office Visits:

Primary/ Specialist

Preventive Care
Maternity
Rx:

Tier 0/ Generic/ Preferred Brand/ Non-Preferred / Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Link Care: $ $7,000/ $14,000 $7,350/ $14,700 $60 copay per visit/ 60% after deductible You pay nothing for preventive services in-network – deductible does not apply 60% after deductible $0/$15 per drug/40% after deductible/45% after deductible/50% after deductible 60% after deductible 60% after deductible
Bronze Plus Link Care: $ $6,650/ $13,300 $6,650/ $13,300 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Link Care: $ $6,150/ $12,300 $7,350/ $14,700 $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible 60% after deductible 60% after deductible
Silver Option 2 Link Care: $$ $5,600/ $11,200 $7,350/ $14,700 $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible 40% after deductible 40% after deductible
Silver Link Care: $$ $2,250/ $4,500 $7,350/ $14,700 $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible 40% after deductible 40% after deductible
Silver Plus Link Care: $$ $4,200/ $8,400 $4,200/ $8,400 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Gold Option 2 Link Care: $$$ $1,600/ $3,200 $6,000/ $12,000 $25 copay per visit/ $40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible 30% after deductible 30% after deductible
Gold Link Care: $$$ $800/ $1,600 $4,500/ $9,000 $25 copay per visit/ $35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible 30% after deductible 30% after deductible
Bronze Access Care: $ $7,150/ $14,300 $7,350/ $14,700 $50 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply 60% after deductible $0/$5 per drug/40% after deductible/45% after deductible/50% after deductible 60% after deductible 60% after deductible
Bronze Plus Access Care: $ $6,650/ $13,300 $6,650/ $13,300 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ $6,150/ $12,300 $7,350/ $14,700 $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible 60% after deductible 60% after deductible
Silver Option 2 Access Care: $$ $5,600/ $11,200 $7,350/ $14,700 $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible 40% after deductible 40% after deductible
Silver Access Care: $$ $2,250/ $4,500 $7,350/ $14,700 $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible 40% after deductible 40% after deductible
Silver Plus Access Care: $$ $4,200/ $8,400 $4,200/ $8,400 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Gold Option 2 Access Care: $$$ $1,600/ $3,200 $6,000/ $12,000 $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible 30% after deductible 30% after deductible
Gold Access Care: $$$ $800/ $1,600 $4,500/ $9,000 $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible 30% after deductible 30% after deductible
Bronze Engage Tier 1: $$$ $7,250/ $14,500 $7,350/ $14,700 $40 copay per visit/ 60% coinsurance after deductible You pay nothing for preventive services in-network – deductible does not apply 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Engage Tier 2: $$$ $7,300/ $14,600 $7,350/ $14,700 $40 copay per visit after deductible/ 60% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Plus Engage Tier 1: $$$ $6,650/ $13,300 $6,650/ $13,300 $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Bronze Plus Engage Tier 2: $$$ $6,650/ $13,300 $6,650/ $13,300 $0 after deductible/$0 after deductible $0 after deductible $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Expanded Bronze Engage Tier 1: $$$ $5,500/ $11,000 $7,350/ $14,700 $40 copay per visit/ $50 copay per visit You pay nothing for preventive services in-network – deductible does not apply 60% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible
Expanded Bronze Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700 $40 copay per visit after deductible/ $50 copay per visit after deductible 60% coinsurance after deductible 60% co-insurance after deductible $0/$10 per drug/30% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ $5,000/ $10,000 $7,350/ $14,700 $40 copay per visit/ $45 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% coinsurance after deductible $0/$5 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Option 2 Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700 $40 copay per visit after deductible/ $45 copay per visit after deductible 40% coinsurance after deductible 40% coinsurance after deductible $0/$5 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 1: $$$ $2,000/ $4,000 $7,000/ $14,000 $30 copay per visit/ $40 copay per visit You pay nothing for preventive services in-network – deductible does not apply 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 2: $$$ $2,500/ $5,000 $7,000/ $14,000 $30 copay per visit after deductible/ $40 copay per visit after deductible 40% coinsurance after deductible 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible 40% coinsurance after deductible 40% coinsurance after deductible
Silver Plus Engage Tier 1: $$$ $4,300/ $8,600 $4,300/ $8,600 $0 after deductible/ $0 after deductible You pay nothing for preventive services in-network – deductible does not apply $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Silver Plus Engage Tier 2: $$$ $4,300/ $8,600 $4,300/ $8,600 $0 after deductible/ $0 after deductible $0 after deductible $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible $0 after deductible $0 after deductible
Gold Option 2 Engage Tier 1: $$$ $1,500/ $3,000 $6,500/ $13,000 $25 copay per visit/ $35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Gold Option 2 Engage Tier 2: $$$ $3,000/ $6,000 $6,500/ $13,000 $25 copay per visit after deductible/ $35 copay per visit after deductible 30% coinsurance after deductible 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 1: $$$ $750/ $1,500 $4,000/ $8,000 $25 copay per visit/ $35 copay per visit You pay nothing for preventive services in-network – deductible does not apply 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 2: $$$ $1,500/ $3,000 $4,000/ $8,000 $25 copay after deductible/ $35 copay after deductible 30% coinsurance after deductible 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible 30% coinsurance after deductible 30% coinsurance after deductible
Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Bronze LINK Care: $ $7,000/ $14,000 $7,350/ $14,700
Bronze Plus LINK Care: $ $6,650/ $13,100 $6,550/ $13,100
Expanded Bronze LINK Care: $ $6,150/ $12,300 $7,350/ $14,700
Silver Option 2 LINK Care: $$ $5,600/ $11,200 $7,350/ $14,700
Silver LINK Care: $$ $2,250/ $4,500 $7,350/ $14,700
Silver Plus LINK Care: $$ $4,200/ $8,400 $4,200 $8,400
Gold Option 2 LINK Care: $$$ $1,600/ $3,200 $6,000/ $12,000
Gold LINK Care: $$$ $800/ $1,600 $4,500/ $9,000
Bronze Access Care: $ $7,150/ $14,300 $7,350/ $14,700
Bronze Plus Access Care: $ $6,650 $13,300 $6,650/ $13,300
Expanded Bronze Access Care: $ $6,150 $12,300 $7,350/ $14,700
Silver Option 2 Access Care: $ $5,600/ $11,200 $7,350/ $14,700
Silver Access Care: $ $2,250/ $4,500 $7,350/ $14,700
Silver Plus Access Care: $ $4,200/ $8,400 $4,200/ $8,400
Gold Option 2 Access Care: $$ $1,600/ $3,200 $6,000/ $12,000
Gold Access Care: $$ $800/ $1,600 $4,500/ $9,000
Bronze Engage Tier 1: $$$ $7,250/ $14,500 $7,350/ $14,700
Bronze Engage Tier 2: $$$ $7,300/ $14,600 $7,350/ $14,700
Bronze Plus Engage Tier 1: $$$ $6,650/ $13,300 $6,650/ $13,300
Bronze Plus Engage Tier 2: $$$ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Engage Tier 1: $$$ $5,500/ $11,000 $7,350/ $14,700
Expanded Bronze Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700
Silver Option 2 Engage Tier 1: $$$ $5,000/ $10,000 $7,350/ $14,700
Silver Option 2 Engage Tier 2: $$$ $6,000/ $12,000 $7,350/ $14,700
Silver Engage Tier 1: $$$ $2,000/ $4,000 $7,000/ $14,000
Silver Engage Tier 2: $$$ $2,500/ $5,000 $7,000/ $14,000
Silver Plus Engage Tier 1: $$$ $4,300/ $8,600 $4,300/ $8,600
Silver Plus Engage Tier 2: $$$ $4,300/ $8,600 $4,300/ $8,600
Gold Option 2 Engage Tier 1: $$$ $1,500/ $3,000 $6,500/ $13,000
Gold Option 2 Engage Tier 2: $$$ $3,000/ $6,000 $6,500/ $13,000
Gold Engage Tier 1: $$$ $750/ $1,500 $4,000/ $8,000
Gold Engage Tier 2: $$$ $1,500/ $3,000 $4,000/ $8,000
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/ Specialist

Preventive Care
Bronze LINK Care: $ $60 copay per visit/60% after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus LINK Care: $ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze LINK Care: $ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 LINK Care: $$ $40 copay per visit/$60 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver LINK Care: $$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Plus LINK Care: $$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 LINK Care: $$$ $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold LINK Care: $$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Access Care: $ $50 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus Access Care: $ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze Access Care: $ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 Access Care: $$ $40 copay per visit/$65 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Access Care: $$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Plus Access Care: $$ 0% after deductible/0% after deductible You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 Access Care: $$$ $25 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Access Care: $$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Bronze Engage Tier 1: $$$ $40 copay per visit/60% coinsurance after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Engage Tier 2: $$$ $40 copay per visit after deductible/60% coinsurance after deductible 60% coinsurance after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Bronze Plus Engage Tier 2: $$$ $0 after deductible/$0 after deductible $0 after deductible/$0 after deductible
Expanded Bronze Engage Tier 1: $$$ $40 copay per visit/$50 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Expanded Bronze Engage Tier 2: $$$ $40 copay per visit after deductible/$50 copay per visit after deductible 60% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ $40 copay per visit/$45 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Option 2 Engage Tier 2: $$$ $40 copay per visit after deductible/$45 copay per visit after deductible 40% coinsurance after deductible
Silver Engage Tier 1: $$$ $30 copay per visit/$40 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Silver Engage Tier 2: $$$ $30 copay per visit after deductible/$40 copay per visit after deductible 40% coinsurance after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible/$0 after deductible You pay nothing for preventive services in-network – deductible does not apply
Silver Plus Engage Tier 2: $$$ $0 after deductible/$0 after deductible $0 after deductible
Gold Option 2 Engage Tier 1$$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Option 2 Engage Tier 2$$$ $25 copay per visit after deductible/$35 copay per visit after deductible 30% coinsurance after deductible
Gold Engage Tier 1$$$ $25 copay per visit/$35 copay per visit You pay nothing for preventive services in-network – deductible does not apply
Gold Engage Tier 2: $$$ $25 copay per visit after deductible/$35 copay per visit after deductible 40% coinsurance after deductible
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Tier 0/ Generic/ Preferred Brand/ Non-Preferred/ Specialty

Bronze LINK Care: $ 60% after deductible $0/$15 per drug/40% after deductible/45% after deductible/50% after deductible
Bronze Plus LINK Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Expanded Bronze LINK Care: $ 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 LINK Care: $$ 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Silver LINK Care: $$ 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible
Silver Plus LINK Care: $$ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Gold Option 2 LINK Care: $$$ 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible
Gold LINK Care: $$$ 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible
Bronze Access Care: $ 60% after deductible $0/$5 per drug/40% after deductible/45% after deductible/50% after deductible
Bronze Plus Access Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Expanded Bronze Access Care: $ 60% after deductible $0/$5 per drug/40% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 Access Care: $ 40% after deductible $0/$5 per drug/30% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Silver Access Care: $$ 40% after deductible $0/$5 per drug/30% per drug after deductible/35% per drug after deductible/40% per drug after deductible
Silver Plus Access Care: $$ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Gold Option 2 Access Care: $$$ 30% after deductible $0/$5 per drug/25% coinsurance after deductible/30% coinsurance after deductible/35% coinsurance after deductible
Gold Access Care: $$$ 30% after deductible $0/$5 per drug/25% per drug/30% per drug after deductible/35% per drug after deductible
Bronze Engage Tier 1 $$$ 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible
Bronze Engage Tier 2: $$$ 60% coinsurance after deductible $0/$10 per drug after deductible/35% per drug after deductible/45% per drug after deductible/50% per drug after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Bronze Plus Engage Tier 2: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Expanded Bronze Engage Tier 1: $$$ 60% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Expanded Bronze Engage Tier 2: $$$ 60% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ 40% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible
Silver Option 2 Engage Tier 2: $$$ 40% coinsurance after deductible $0/$10 per drug/35% coinsurance after deductible/40% coinsurance after deductible/45% coinsurance after deductible
Silver Engage Tier 1: $$$ 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible
Silver Engage Tier 2: $$$ 40% coinsurance after deductible $0/$5 per drug/35% per drug after deductible/40% per drug after deductible/45% per drug after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Silver Plus Engage Tier 2: $$$ $0 after deductible $0/$0 after deductible/$0 after deductible/$0 after deductible/$0 after deductible
Gold Option 2 Engage Tier 1: $$$ 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Gold Option 2 Engage Tier 2: $$$ 30% coinsurance after deductible $0/$5 per drug/25% coinsurance after deductible/35% coinsurance after deductible/40% coinsurance after deductible
Gold Engage Tier 1: $$$ 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible
Gold Engage Tier 2: $$$ 30% coinsurance after deductible $0/$5 per drug/25% per drug/35% per drug after deductible/40% per drug after deductible
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze LINK Care: $ 60% after deductible 60% after deductible
Bronze Plus LINK Care: $ 0% after deductible 0% after deductible
Expanded Bronze LINK Care: $ 60% after deductible 60% after deductible
Silver Option 2 LINK Care: $$ 40% after deductible 40% after deductible
Silver LINK Care: $$ 40% after deductible 40% after deductible
Silver Plus LINK Care: $$ 0% after deductible 0% after deductible
Gold Option 2 LINK Care: $$$ 30% after deductible 30% after deductible
Gold LINK Care: $$$ 30% after deductible 30% after deductible
Bronze Access Care: $ 60% after deductible 60% after deductible
Bronze Plus Access Care: $ 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ 60% after deductible 60% after deductible
Silver Option 2 Access Care: $$ 40% after deductible 40% after deductible
Silver Access Care: $$ 40% after deductible 40% after deductible
Silver Plus Access Care: $$ 40% after deductible 40% after deductible
Gold Option 2 Access Care: $$$ 30% after deductible 30% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible
Bronze Engage Tier 1: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Engage Tier 2: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Bronze Plus Engage Tier 1: $$$ $0 after deductible $0 after deductible
Bronze Plus Engage Tier 2: $$$ $0 after deductible $0 after deductible
Expanded Bronze Engage Tier 1: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Expanded Bronze Engage Tier 2: $$$ 60% coinsurance after deductible 60% coinsurance after deductible
Silver Option 2 Engage Tier 1: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Option 2 Engage Tier 2: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 1: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Engage Tier 2: $$$ 40% coinsurance after deductible 40% coinsurance after deductible
Silver Plus Engage Tier 1: $$$ $0 after deductible $0 after deductible
Silver Plus Engage Tier 2: $$$ $0 after deductible $0 after deductible
Gold Option 2 Engage Tier 1: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Option 2 Engage Tier 2: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 1: $$$ 30% coinsurance after deductible 30% coinsurance after deductible
Gold Engage Tier 2: $$$ 30% coinsurance after deductible 30% coinsurance after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers will provide you and your employees with the most savings. Out-of-network
providers will cost more.

2017 Details about our health insurance plans for Idaho employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/
Family

Out of Pocket Max:

Individual/
Family

Office Visits:

Primary/
Specialist

Preventive Care
Maternity
Rx:

Generic/
Preferred Brand/
Non-Preferred Brand/
Specialty/
Non-Preferred Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze LINK Care: $ $5,550/
$11,100
$7,150/
$14,300
First 3 visits before deductible: $40 copay; after deductible: $40 copay per visit/
50% after deductible
$0 50% after deductible $0/35% after deductible/40% after deductible/60% after deductible/60% after deductible/60% after deductible 50% after deductible 50% after deductible
Bronze Plus LINK Care: $ $6,550/
$13,100
$6,550/
$13,100
0% after deductible $0 0% after deductible $0/0% after deductible 0% after deductible 0% after deductible
Silver LINK Care: $$ $2,150/
$4,300
$7,150/
$14,300
First 3 visits before deductible: $35 copay; after deductible: $35 copay per visit/
$65 copay after deductible
$0 40% after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug $200 copay after deductible 40% after deductible
Silver Plus LINK Care: $$ $4,250/
$8,500
$4,250/
$8,500
0% after deductible $0 0% after deductible 0% after deductible 0% after deductible 0% after deductible
Gold LINK Care: $$$ $750/
$1,500
$5,750/
$11,500
$25 copay per visit/
$40 copay per visit
$0 30% after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug $200 copay per visit 30% after deductible
Bronze Access Care: $ $5,250/
$10,500
$7,150/
$14,300
60% after deductible $0 60% after deductible $0/45% after deductible/50% after deductible/70% after deductible/70% after deductible/70% after deductible 60% after deductible 60% after deductible
Bronze Plus Access Care: $ $6,550/
$13,100
$6,550/
$13,100
0% after deductible $0 0% after deductible $0/0% per drug/0% per drug/0% per drug/0% per drug/0% per drug 0% after deductible 0% after deductible
Silver Access Care: $$ $2,250/
$4,500
$6,850/
$13,700
$35 copay after deductible/
40% after deductible
$0 40% after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug 40% after deductible 40% after deductible
Gold Access Care: $$$ $800/
$1,600
$4,750/
$9,500
$40 copay per visit $0 30% after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug 30% after deductible 30% after deductible
Bronze Engage
Tier 1: $$$
$6,000/
$12,000
$7,150/
$14,300
$40 copay per visit/ 60% co-insurance after deductible $0 60% co-insurance after deductible $0/60% per drug after deductible/60% per drug after deductible/80% per drug after deductible/80% per drug after deductible/80% per drug after deductible 60% co-insurance after deductible 60% co-insurance after deductible
Bronze Engage
Tier 2: $$$
$6,500/
$13,000
$7,150/
$14,300
$40 copay after deductible/ 60% co-insurance after deductible 60% co-insurance after deductible 60% co-insurance after deductible $0/60% per drug after deductible/60% per drug after deductible/80% per drug after deductible/80% per drug after deductible/80% per drug after deductible 60% co-insurance after deductible 60% co-insurance after deductible
Silver Engage
Tier 1: $$$
$2,750/
$5,500
$6,800/
$13,600
$35 copay per visit/ $65 copay per visit $0 40% co-insurance after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug $200 copay per visit 40% co-insurance after deductible
Silver Engage
Tier 2: $$$
$3,250/
$6,500
$6,800/
$13,600
$35 copay after deductible/ $65 copay after deductible 40% co-insurance after deductible 40% co-insurance after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug $200 copay per visit 40% co-insurance after deductible
Gold Engage
Tier 1: $$$
$850/
$1,700
$5,000/
$10,000
$25 copay per visit/ $35 copay per visit $0 30% co-insurance after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug $175 copay per visit 30% co-insurance after deductible
Gold Engage
Tier 2: $$$
$1,500/
$3,000
$5,000/
$10,000
$25 copay after deductible/ $35 copay after deductible 30% co-insurance after deductible 30% co-insurance after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug $175 copay per visit 30% co-insurance after deductible

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/
Family

Out of Pocket Max:

Individual/
Family

Bronze LINK Care: $ $5,550/
$11,100
$7,150/
$14,300
Bronze Plus LINK Care: $ $6,550/
$13,100
$6,550/
$13,100
Silver LINK Care: $$ $2,150/
$4,300
$7,150/
$14,300
Silver Plus LINK Care: $$ $4,250/
$8,500
$4,250
$8,500
Gold LINK Care: $$$ $750/
$1,500
$5,750/
$11,500
Bronze Access Care: $ $5,250/
$10,500
$7,150/
$14,300
Bronze Plus Access Care: $ $6,550
$13,100
$6,550/
$13,100
Silver Access Care: $ $2,250/
$4,500
$6,850/
$13,700
Gold Access Care: $$ $800/
$1,600
$4,750/
$9,500
Bronze Engage Tier 1: $$$ $6,000/
$12,000
$7,150/
$14,300
Bronze Engage Tier 2: $$$ $6,500/
$13,000
$7,150/
$14,300
Silver Engage Tier 1: $$$ $2,750/
$5,500
$6,800/
$13,600
Silver Engage Tier 2: $$$ $3,250/
$6,500
$6,800/
$13,600
Gold Engage Tier 1: $$$ $850/
$1,700
$5,000/
$10,000
Gold Engage Tier 2: $$$ $1,500/
$3,000
$5,000/
$10,000
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/
Specialist

Preventive Care
Bronze LINK Care: $ First 3 visits before deductible: $40 copay; after deductible: $40 copay per visit/
50% after deductible
$0
Bronze Plus LINK Care: $ 0% after deductible $0
Silver LINK Care: $$ First 3 visits before deductible: $35 copay; after deductible: $35 copay per visit/
$65 copay after deductible
$0
Silver Plus LINK Care: $$ $0 after deductible $0
Gold LINK Care: $$$ $25 copay per visit/
$40 copay per visit
$0
Bronze Access Care: $ 60% after deductible $0
Bronze Plus Access Care: $ 0% after deductible $0
Silver Access Care: $$ $35 copay after deductible/
40% after deductible
$0
Gold Access Care: $$$ $40 copay per visit/
$40 copay per visit
$0
Bronze Engage Tier 1: $$$ $40 copay per visit/
60% co-insurance after deductible
$0
Bronze Engage Tier 2: $$$ $40 copay after deductible/ 60% co-insurance after deductible 60% co-insurance after deductible
Silver Engage Tier 1: $$$ $35 copay per visit/ $65 copay per visit $0
Silver Engage Tier 2: $$$ $35 copay after deductible/ $65 copay after deductible 40% co-insurance after deductible
Gold Engage Tier 1$$$ $25 copay per visit/ $35 copay per visit $0
Gold Engage Tier 2: $$$ $25 copay after deductible/ $35 copay after deductible 30% co-insurance after deductible0
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Generic/
Preferred Brand/
Non-Preferred Brand/
Specialty

Bronze LINK Care: $ 50% after deductible $0/35% after deductible/40% after deductible/60% after deductible/60% after deductible/60% after deductible
Bronze Plus LINK Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Silver LINK Care: $$ 40% after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug
Silver Plus LINK Care: $$ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Gold LINK Care: $$$ 30% after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug
Bronze Access Care: $ 60% after deductible $0/45% after deductible/50% after deductible/70% after deductible/70% after deductible/70% after deductible
Bronze Plus Access Care: $ 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible/0% after deductible
Silver Access Care: $$ 40% after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug
Gold Access Care: $$$ 30% after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug
Bronze Engage Tier 1 $$$ 60% co-insurance after deductible $0/60% after deductible/60% after deductible/80% after deductible/80% after deductible/80% after deductible
Bronze Engage Tier 2: $$$ 60% co-insurance after deductible $0/60% after deductible/60% after deductible/80% after deductible/80% after deductible/80% after deductible
Silver Engage Tier 1: $$$ 40% co-insurance after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug
Silver Engage Tier 2: $$$ 40% co-insurance after deductible $0/25% per drug/30% per drug/50% per drug/50% per drug/50% per drug
Gold Engage Tier 1: $$$ 30% co-insurance after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug
Gold Engage Tier 2: $$$ 30% co-insurance after deductible $0/20% per drug/25% per drug/45% per drug/45% per drug/45% per drug
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze LINK Care: $ 50% after deductible 50% after deductible
Bronze Plus LINK Care: $ 0% after deductible 0% after deductible
Silver LINK Care: $$ $200 copay after deductible 40% after deductible
Silver Plus LINK Care: $$ 0% after deductible 0% after deductible
Gold LINK Care: $$$ $200 copay per visit 30% after deductible
Bronze Access Care: $ 60% after deductible 60% after deductible
Bronze Plus Access Care: $ 0% after deductible 0% after deductible
Silver Access Care: $$ 40% after deductible 40% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible
Bronze Engage Tier 1: $$$ 60% co-insurance after deductible 60% co-insurance after deductible
Bronze Engage Tier 2: $$$ 60% co-insurance after deductible 60% co-insurance after deductible
Silver Engage Tier 1: $$$ $200 copay per visit 40% co-insurance after deductible
Silver Engage Tier 2: $$$ $200 copay per visit 40% co-insurance after deductible
Gold Engage Tier 1: $$$ $175 copay per visit 30% co-insurance after deductible
Gold Engage Tier 2: $$$ $175 copay per visit 30% co-insurance after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers will provide you and your employees with the most savings. Out-of-network providers will cost more.