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Get your Personalized Instant Online Quote!
Marsh and Associates is proud to assist you with your medical insurance needs. We are not a "Lead" generation company. Your private information is never sold nor shared with other agents or brokerages like most other insurance web pages. We provide instant online quotes. Our representative David Marsh may contact you to ensure you are finding information and plans that are meeting your personal individual needs.
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- $2,500 per accident, per person
- $4,000 Emergency Helicopter Air Ambulance
- Go to any Doctor, Hospital or Clinic
- $100 deductible
- $24.95 Individual / $29.95 Family
Apply for Coverage!
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- $5,000 per accident, per person
- $4,000 Emergency Helicopter Air Ambulance
- Go to any Doctor, Hospital or Clinic
- $100 deductible
- $34.95 Individual / $39.95 Family
Apply for Coverage!
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Insurance Basics |
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| Deductible - The amount that you pay before the insurance company will pay for benefits. Usual deductible amounts are $1,000, $2,000, $3,000 and $5,000. Family deductibles can be 2x or 3x the individual deductible. Some plans such as Health Savings Accounts have one deductible for all family members. Varies by plan design.
Coinsurance - The sharing of medical costs between you and the insurance company. Typical coinsurance is 80% / 20% meaning the insurance company will pay 80% of claims, you are responsible for 20%. Varies by plan design
Out-of-Pocket (OOP) - The maximum amount that you will pay once you have met your deductible and coinsurance amounts. Typical out-of-pocket maximum is $2,000 after the deductible is satisfied. Insurance carriers will typically convert and pay 100% of allowed medical expenses once the OOP is met. Varies by plan design.
Doctor Office Copay - The amount you pay for a basic doctors visit. The copay typically only pays for the doctors professional fee. Copays range from $25, $30 or $35. Usually not subject to your deductible.
Prescription Copay - Prescription Drug copays range from $10 generic copays to 50% coinsurance for Name Brand. Usually not subject to your deductible.
Health Savings Account - Federally qualified insurance plan whereby an insured can establish a trust administrated savings account with a local bank designed |
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Who we are:
ABCInsuranceBroker.com is a dba of Marsh & Associates and an independent agent of Blue Cross of Idaho, Assurant Health and Primary Health plans. As a broker, we have been serving the needs of self-employed, small business owners and those who work for companies that do not provide health care coverage in Idaho, Oregon, and Nevada since 1994. As a broker, we offer health insurance benefits with each of the major medical carriers to provide you a diversified portfolio of health insurance, life insurance, accident insurance, dental insurance and vision insurance programs. We specialize in Individual and Small Group (2-100 employees) employee benefits.
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Home Page / Privacy / Contact Us / About Us
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Contact David Marsh (208) 447-8523
