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We understand the importance of having the right coverage.

That’s why Valley Insurance Services is here to help you assess your coverage needs and provide you with all the information you need to make an informed decision about your coverage.

 

One of the best ways to know which health insurance plan is best for you is to know what makes you eligible.

cobra

To qualify for COBRA coverage, you have to fall within one of these three conditions:

  • COBRA covers your group health plan
  • You have an event that makes you eligible for COBRA
  • You are a beneficiary who has an event that makes you eligible for COBRA

There are also qualifying events that can impact your eligibility. These include:

Short-Term Health Insurance

Short-term health insurance can be acquired by anyone, but you will most likely have to fill out a health questionnaire and disclose any pre-existing conditions you have.

Short-term health insurance is often best when you experience a lapse in your permanent coverage. Common instances in which this temporary coverage is best includes:

  • Changing jobs or losing a job, which means you lose your health insurance through your work
  • Waiting for an Open Enrollment Period to enroll in a primary health insurance plan
  • Attending college and need some type of health insurance
  • Not yet eligible for Medicare but still needing coverage in the meantime

medicaid

Medicaid can be a great option for low-income adults, elderly people, pregnant women, and those with disabilities who meet specific income criteria. In the great state of Idaho, Medicaid offers various programs to provide healthcare coverage:

  • People who are 65 or older and meet income requirements
  • People who are disabled or blind
  • Women with breast or cervical cancer through Women’s Health Check
  • Pregnant women whose income is under 138% of the federal poverty level
  • Adults whose income is under 138% of the federal poverty level
  • Medicare Savings Program

ACA Plans

To qualify for an ACA Plan, you must:

  • Live in the United States
  • Be a U.S. citizen, U.S. national, or lawfully present in the U.S.
  • Not be incarcerated
  • Not be covered by Medicare

Find Health Insurance Coverage Today!

The health insurance experts with Valley Insurance Services will help you go over all of your options so you have all the information you need to make the best decision for your coverage. Give us a call or send us an email today to get started!