Information on Medical Plans
View a summary comparison of the medical plan options here.
How much do the Health Plans cost?
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.
Blue Cross of Idaho
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.
This medical plan option features traditional insurance coverage, providing payment of 80% 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.
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-five percent (85%) 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 seventy percent (70%) 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.
High Deductible Plan
The High Deductible Plan requires payment of an annual deductible but allows the use of any provider. After the deductible has been met the plan generally pays seventy percent (70%) of most Allowable Charges. Using providers who belong to the Blue Cross of Idaho network of participating providers may lower out of pocket expenses.