BCIDAHO.COM OTHER SITES CONTACT US 888-462-7677 QUOTE AND BUY BROWSE PLANS TOOLS & EDUCATION HEALTH & WELLNESS HOME Home / Browse Plans / Individual & Family / Access Plans Access Plans 2021 Affordable Care Act Plans 2022 Affordable Care Act Plans Short Term Plans Dental Plans Vision Plans ACCESS PLANS FOR INDIVIDUALS AND FAMILIES Introducing Access Clarity – understanding the cost of healthcare just got easier Blue Cross of Idaho’s Access plans are a great option for Idahoans looking for affordable, comprehensive health insurance coverage for themselves or their families. Access plans may also be a good option for those who are not insured and are not eligible for a federal subsidy under the Affordable Care Act (ACA). Why our new Access Clarity™ plan may be the right one for you. With Access Clarity, you’ll pay a fixed-cost copay for the most used benefits, rather than a portion of the total amount. This will give you a clear idea of what you will pay for care ahead of time and help you better plan for a visit or procedure. Access Clarity Plan may be a good Access option for those who: Plan to have a baby Have an active family Want to know their healthcare costs before a visit or procedure If you would like to speak with a local, independent agent about your healthcare options, simply click the button below. FIND A BROKER Get more information on our Access plans 2021 PLANS GUIDE BENEFITS and DETAILS PHARMACY INFORMATION Ready to get started? APPLY Compare our Access plans below and find the one that is best for you and your family: Access Protector™ This plan may be a good, affordable choice for anyone who wants the financial protection of maintaining health insurance. Access Clarity™ Under this new plan, you pay a fixed-cost copay for the most used benefits and services. In this way, you will know exactly what you will pay before an appointment or procedure. Access Safeguard™ This is our mid-level Access plan with lower deductibles and out-of-pocket maximum than our Protector plan. Access Secure™ This option offers the best coverage and lowest deductibles for those who want a little more protection. ACCESS PLAN COMPARISON (IN-NETWORK) PROTECTOR™ CLARITY™ SAFEGUARD™ SECURE™ Medical Deductible $10,000 (Individual) $5,000 (Individual) $5,000 (Individual) $2,500 (Individual) $20,000 (Family) $10,000 (Family) $10,000 (Family) $5,000 (Family) Child Primary Care Copay (age 0-17) $0 $0 $0 $0 Primary Care / Telehealth Copay You pay 40% of the bill after deductible $40 $40 for first 10 visits $20 for first 10 visits Specialists $60 $60 $60 Urgent Care $40 $40 $40 Telehealth Services: MDLIVE $10 $10 $10 Allergy Services You Pay 40% of the bill after deductible $0 Injections, $180 Testing, $390 Serum You Pay 30% of the bill after deductible You Pay 20% of the bill after deductible Diagnostic Lab Work & X-Ray You Pay 40% of the bill after deductible $40 You Pay 30% of the bill after deductible You Pay 20% of the bill after deductible Pregnancy Care (Pre/Postnatal, Labor and Delivery) You Pay 40% after deductible $8,599 (no pregnancy deductible) You Pay 40% after deductible You Pay 40% after deductible Preventative Dental Care Copay No deductible $20 No deductible $20 No deductible $20 No deductible $20 Vision Allowance $100 $100 $100 $100 Average Premium* $189 $237 $237 $303 * Underwriting average premium based on all members who are currently enrolled in the specific Access Plan. If you would like to see an example of how you could save with Access Clarity or a fixed-cost copay, click here . Access at a Glance These four plans offer: Premiums that are up to 40% lower than ACA plans Comprehensive coverage, including medical, dental and vision $0 copay for children office visits Access to our statewide Blue Cross of Idaho Preferred Provider Organization (PPO) network Plans can be purchased year-round and are available in every county The plans are renewable for up to 36 months Report Fraud & Abuse / Privacy Statement / Legal Disclaimer / Affirmative Statement about Incentives / Careers / About Blue Cross of Idaho Nondiscrimination Notice and Language Assistance / JSON Files / Interoperability An Independent Licensee of the Blue Cross and Blue Shield Association