Medical, Prescription, Dental and Vision

View a summary comparison of the medical plan options here.

Employee contributions for medical and dental coverage are deducted from the first two paychecks each month and go towards insurance costs for the following month. The cost of coverage is based on average hours worked per week. Employees working 30 or more hours per week have a lower cost than those working less than 30 hours per week. Average hours worked are monitored quarterly throughout the year, and premium tier levels may change for part-time employees, based on actual hours worked. View the cost of the health plans here.

Boise State offers three medical plan options for eligible faculty and staff, administered by Blue Cross of Idaho: Traditional, PPO, and High Deductible. The faculty or staff member may enroll themselves, spouse and children, up to age 26.

Each plan provides comprehensive medical and prescription drug coverage, with different levels of out of pocket expense and premium costs. Vision and Employee Assistance Plan benefits are included with medical plan enrollment. Deductibles and annual benefit maximums for all plans are applied on the fiscal year, effective July 1 through June 30.

The PPO provides for In-Network and Out-of-Network benefits for most commonly provided services. After paying an annual deductible, the plan generally pays eighty percent (80%) of most Allowable Charges provided by an In-Network provider. In-Network Physician Office Visits (office exam only) require a $20 copayment and are not subject to the annual deductible. Eligible Out-of-Network services are subject to a separate deductible and are generally reimbursed at sixty percent (60%) of most Allowable Charges.

The PPO plan does not require declaration of a primary care physician or referrals, any provider is acceptable. However, there are financial benefits when using providers who belong to the Blue Cross of Idaho PPO network. To locate participating providers, refer to the Blue Cross of Idaho Online Provider directory.

This medical plan option features traditional insurance coverage, providing payment of 70% of the Allowable Charges for most covered expenses, after an annual deductible.  This plan does not require the use of In-Network providers, however use of Blue Cross participating providers may have lower out of pocket expenses.

This medical plan option features traditional insurance coverage, providing payment of 70% of the Allowable Charges for most covered expenses, after an annual deductible.  This plan does not require the use of In-Network providers, however use of Blue Cross participating providers may have lower out of pocket expenses.

Prescription drug coverage is included when enrolled in any of the above mentioned medical plans. Coverage provides retail prescription drug benefits through participating pharmacies. PPO and Traditional Plans offer the same pharmacy benefits.  The High Deductible plan requires the deductible to be met before reimbursing at 70% of allowable charges.

Prescription drug benefits are managed by Blue Cross of Idaho’s pharmacy benefit manager, Blue Cross of Idaho Rx.

For network pharmacy listings and more, visit: Blue Cross of Idaho

In-network pharmacies: Co-payments

• Tier 1 – Generic: $10 copayment
• Tier 2 – Preferred Brand: $30 copayment
• Tier 3 – Non-preferred Brand: $60 copayment
• Tier 4 – Specialty: $100 copayment

For clarification, if the member requests a brand name drug when a generic is available, the member is responsible for the difference between the price of the generic drug and the brand name drug, regardless of the formulary or non-formulary status.

Getting your ongoing prescription medication is even easier with the IngenioRx Mail Order Pharmacy. Have your maintenance medications (medications you take regularly for a long-term or chronic condition) delivered directly to you, with no additional cost- and you’ll even save money as well as time.

• You can get a 90-day supply of your maintenance medication for 2 copays.
• Temperature-sensitive items are shipped with ice packs in coolers and/or express delivery.

Get started by logging into your Blue Cross of Idaho member portal – select Prescription Drugs – Benefits and Coverage – Access Your Pharmacy Benefits Now.

Non-Network Pharmacies

$25 co-payment plus 20% of balance

Boise State employees enrolled in one of the State’s medical plans will receive automatic dental coverage through Blue Cross of Idaho Dental. Additional coverage for eligible family members must be elected. NOTE: Dental coverage is available only to those enrolled in a State employee medical plan.

Employee contributions for medical and dental coverage are deducted from each of the first two paychecks each month, to pay for insurance for the following month. Cost of coverage is based on average hours worked per week; those working 30 or more hours per week have a lower cost than those working less than 30 hours per week. Average hours worked are monitored quarterly throughout the year, and premium tier levels may change for part-time employees, based on actual hours worked.

View the cost of the health plans here.

With this plan you can use any provider you want — but you may save money when you use providers who belong to the Blue Cross of Idaho network of participating dental providers.

*All preventative services will be covered at 100%. Deductible for non-preventative services is $50.00

To locate participating providers, refer to the Blue Cross of Idaho participating provider directory located at Blue Cross of Idaho.

Employees can decline dental coverage for their dependents at any time by selecting  -Self Only- in the Dental Enrollment section of the medical/dental enrollment form. Once declined, dependent dental coverage may only be added at the next annual open enrollment period.

State of Idaho Vision Plan

Find a VSP doctor

Your Coverage with a VSP in-network provider

VSP® Choice Plan – Adults and dependents 19 years of age and older

Pediatric Vision Coverage with a VSP in-network provider

VSP Elements Plan – Dependents younger than 19 years of age

Eligible members are not required to use In-Network providers, however, using a provider who belongs to the State VSP plan network may result in lower expenses.  Most benefits are paid based on Allowable Charges, meaning the provider will accept plan benefits plus your share (any deductible, coinsurance or co-payments) of the costs as payment in full.

Non-participating Providers may charge more than the plan’s Allowable Charges, leaving the insurance member responsible for any amounts exceeding the Allowable charges plus any deductible and coinsurance amounts. An exception may be made non-participating provider is used for an emergency or because a non-participating provider is the only source of services.

To find Participating Vision Providers, please contact Vision Service Plan, 1-800-877-7195 or go online http://www.vsp.com Go to “Members” and select “Find a VSP Doctor.” A login will be required.