Frequently asked questions about health insurance
Our process keeps things simple
Common Questions with Boise Health Insurance
Every situation regarding health insurance is unique, so the only way we can truly address all of your concerns is to have a conversation. Until then, let’s answer these other questions that are probably on your mind:
Why don’t I have to pay you? How does that work?
As health insurance advisors, we don’t tack on any fees. We simply get paid when our clients claim us as their agent. This means that you’re giving your advisor credit for helping you. Then the insurance company pays a commission. It’s completely free for you.
Moreover, we don’t have loyalty to any one particular insurance company. We won’t get paid any more or any less based on which policy you choose, either. You can rest assured that we’re always working with your best interests in mind. We’re here to give you an honest, unbiased perspective on the plans that will best meet your needs—and your budget.
How much is my coverage going to cost?
It all depends on the type of policy you want. Some plans will have lower monthly premiums, but that doesn’t always make it the best option. We’ll want to consider the deductibles too, as well as what kind of rates you’re getting for your prescriptions and provider co-pays.
When we can compare your quotes together, we’ll be able to answer your questions and help make sure you feel confident with your decision. We want to consider every angle to find the best policy for your budget and lifestyle.
But what if I get a better quote from somewhere else?
No matter what, for individual and family plans, your policy price is the price is the price—is the price. The insurance companies set each one of their policies at a fixed rate, so it doesn’t actually matter whether you work with us or another agent. The policy price will still be the same. Working with a health insurance advisor to enroll with a new personal policy never affects your costs.
When can I get a new policy?
Every situation is unique.* Most people can only update their coverage during the annual Open Enrollment Period. For those enrolling in Medicare, Open Enrollment starts October 15th. For other individuals and families, Open Enrollment starts November 1st. That being said, some people may be able to get a new health insurance policy because of a significant life event.
If you’ve recently moved, gotten married or divorced, lost your coverage due to a job loss, or welcomed a new baby to the family, you should be able to update your health insurance policy with a Special Enrollment Period. This is also true for individuals who are about to turn 26 years old. Please don’t hesitate to call us if one of these scenarios applies to you. We’ll help make sure you don’t miss your window to enroll.
*Note for employers: There is no set enrollment period for group coverage, but participation may affect your timeline. Please contact us to discuss your options.
How can I get a quote?
We need to get a few basic questions answered before we can start to pull quotes. After we have those details, we’ll be able to analyze your options with different health
insurance providers and plans. Depending on your circumstances, we’ll usually have multiple quotes to review together.
What’s the quickest way to get enrolled?
Our process typically works best over the phone or through text messaging. Having a quick conversation lets us collect everything we need to find the right quotes for you. Just fill out our contact form, and we’ll be in touch!
Having just retired from a 40 year high-tech career that the health insurance was inexpensive and easy to get, I was faced with decisions that I was unsure of. Marcia at Craig-Howard Insurance Agency walked me through the plans that were available to me and has worked out great.