8596 W. Bolsa Ct., Boise, ID 83709
Phone: (208) 321.4621
Fax: (208) 321.4656

Health

Protection for your whole family

Each individual/family strives to purchase insurance that will meet their needs for the lowest possible cost. At Shores Insurance we work hard to make sure that happens in the following ways:

Brokers for all Idaho companies & Idaho Health Exchange (ACA):

– Individuals/Family Plans:

We work with Blue Cross of Idaho, Regence Blue Shield, Pacific Source, Altius, and Select Health for individual/family plans. We also will be able to assist any of those who are interested in the policies that will be offered through the Idaho Exchange.

– Group Plans:

We work with Blue Cross of Idaho, Regence Blue Shield, Pacific Source, Altius, and Select Health for group plans. We will also be able to assist any of those who are interested in the policies that will be offered under S.H.O.P. (small business plans through the Idaho Exchange).

– Educate Clients:

We spend the time to educate our clients how to use their health insurance to get the benefits they want in ways to keep their costs lower. We will educate you on what questions to ask your health care provider to make sure you get the coverage you need without paying for additional tests that aren’t medically necessary.

            – Individualized service as needed:

We work with our clients when a mistake occurs. We have found that sometimes claims are coded incorrectly which can alter the way benefits are applied and claims are paid. We will work with both the carrier and health care provider to correct the coded error and resubmit the claim for appropriate processing.

Annual Policy Review:

1. Insurance companies frequently make adjustments to current plans offered and from time to time will come out with new plans. We make sure to follow up on any and all updates in order to notify our clients if the changes/new plans would be an advantage for you. We will work with you to make any necessary adjustments to suit your needs.

2. Each year on the anniversary date of your insurance policy the carrier will issue a renewal offer. As soon as our office receives this information we immediately begin looking for ways to improve your circumstances. In some situations we will shop the policy with other companies to obtain comparative quotes. In other cases, we can request a rate appeal and challenge the carrier’s decision. This will require a review of your claims history from the beginning of the contract year. Underwriting will determine if your rate can be decreased or is justified as quoted.

3. Beginning January 2014, the Idaho Exchange will be up and running. We will help you find the plan that meets your needs and help you figure out what, if any, premium assistance will be available to you. We will also help you complete the appropriate forms needed to qualify for premium assistance.

 

Tom Shores Insurance