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MEDICAL PLANS

Boise State offers three medical plan options through Regence Blue Shield: Preferred Provider Organization (PPO), Traditional, and High Deductible Health Plan (HDHP). Each plan includes medical, vision, and prescription drug coverage, with different premium costs and out-of-pocket expenses.

Benefit Terms Glossary

The Benefit Terms Glossary (Google doc) provides general definitions of common benefit terms.

PPO Plan

Most frequently chosen plan. Best for predictable costs at the time of care.

Who it’s for:

  • People who regularly visit doctors or specialists
  • Those who prefer fixed copays instead of percentage-based costs
  • Individuals who mostly stay in-network
Use Regence’s Find a Provider Tool to view in-network providers. (Preferred Network)

Costs to consider:

  • Moderate premiums
  • Lowest deductible
  • Fixed copays for office visits
  • Lowest out-of-pocket maximum
  • Preventive care covered at no cost

Accounts:

  • Compatible with Health Flexible Spending Account (FSA)
  • Not compatible with Health Savings Account (HSA)
PPO – SUMMARY OF BENEFITS AND COVERAGE (PDF)

High Deductible Health Plan

Best for lower premiums and saving with a Health Savings Account (HSA).

Who it’s for:

  • People who do not expect frequent medical visits
  • Those comfortable paying higher out-of-pocket costs when care is needed
  • Individuals who want to contribute to and grow an HSA
  • Those comfortable paying the full cost of care until the deductible is met
  • Individuals who mostly stay in-network
Use Regence’s Find a Provider Tool to view in-network providers. (Preferred Network)

Costs to consider:

  • Lowest premiums
  • Highest deductible
  • No copays. You pay full cost until the deductible is met
  • Highest out-of-pocket maximum
  • Preventive care covered at no cost

Accounts:

  • Compatible with Health Savings Account (HSA)
  • Compatible with Limited Purpose FSA
  • Not compatible with Health Flexible Spending Account (FSA)
HDHP – SUMMARY OF BENEFITS AND COVERAGE (PDF)

Traditional Plan

Best for flexibility to use out-of-network providers.

Who it’s for:

  • People who want the flexibility to see providers outside the network
  • Those who already see out-of-network providers and do not want to switch
  • Individuals who prefer percentage-based costs (coinsurance) instead of copays

Costs to consider:

  • Highest monthly premiums
  • Moderate deductible
  • Higher coinsurance
  • Moderate out-of-pocket maximum

Accounts:

  • Compatible with Health Flexible Spending Account (FSA)
  • Not compatible with Health Savings Account (HSA) or Limited Purpose FSA
Traditional – SUMMARY OF BENEFITS AND COVERAGE (PDF)

Medical Plan Comparison

Compare all three medical plans side-by-side to see differences in costs, coverage, and key features. Use this chart to help choose the plan that fits your needs.

Medical Plan Comparison Charts

FY27 Employee Medical Premiums

Employee contributions for medical premiums are deducted from the first two paychecks each month and go towards coverage for the following month (i.e., premiums for January are pulled from December’s paycheck), so when there is a third paycheck, there will not be premium withholdings. Please refer to the following charts for bi-weekly premiums.

Bi-Weekly Rates for Full-Time Employees (30-40 hours per week)

Coverage TierPPOHigh DeductibleTraditional
Employee Only$35.37$0.00$54.00
Employee & Spouse$107.52$26.08$167.40
Employee & Child$60.94$9.00$93.11
Employee & Children$96.32$22.04$149.81
Employee, Spouse & Child$131.77$34.86$205.54
Employee, Spouse & Children$176.55$51.05$275.90

Bi-Weekly Rates for Part-Time Employees (20-29 hours per week)

Coverage TierPPOHigh DeductibleTraditional
Employee Only$81.76$18.25$124.84
Employee & Spouse$248.56$78.53$386.99
Employee & Child$140.87$39.06$215.24
Employee & Children$222.66$69.20$346.31
Employee, Spouse & Child$304.61$98.83$475.15
Employee, Spouse & Children$408.13$136.26$637.79

FY27 Boise State (Employer) Medical Premiums

Boise State University (employer) contributes toward the cost of your medical and dental insurance premiums. This means the university pays a portion of the total bi-weekly premium. Please refer to the following charts for details on the premium amounts covered by Boise State.

Boise State Medical Premiums for Full-Time Employees

Plan TypeBoise State Medical ContributionBoise State HSA Contribution
All Medical Plans (No HSA)$660.37N/A
High Deductible Health Plan (HSA Individual Coverage)$639.54$20.83
High Deductible Health Plan (HSA Family Coverage)$618.71$41.66

Boise State Medical Premiums for Part-Time Employees

Plan TypeBoise State Medical ContributionBoise State HSA Contribution
All Medical Plans (No HSA)$528.30N/A
High Deductible Health Plan (HSA Individual Coverage)$507.47$20.83
High Deductible Health Plan (HSA Family Coverage)$486.64$41.66
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MEMBER PORTAL

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