Understanding Your Insurance Benefits
As a new year begins, many insurance plans reset or change — sometimes in ways that catch patients off guard. Even if your insurance company stays the same, your coverage, costs, or plan rules may be different.
To help you avoid unexpected expenses or delays in care, here’s what you should know as your insurance benefits reset.
What Happens to My Insurance at the Start of the Year?
Most insurance plans reset key benefits at the beginning of the calendar year, including:
Annual deductibles
Out-of-pocket maximums
Benefit limits
This reset occurs every year, regardless of whether you’ve changed plans or employers.
What Should I Check With My Insurance?
Patients are responsible for understanding their own insurance benefits. We strongly recommend confirming the following with your insurance carrier:
Your deductible amount and whether it has reset
Copays and coinsurance
Covered services and exclusions
Referral or prior authorization requirements
Whether Illumination Women’s Health is in-network for your specific plan
Insurance plans can vary significantly, even within the same insurance company.
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Aetna
Blue Cross
PacificSource (Voyager Commercial Plans)
Regence Blue Shield
St. Luke’s Health Partners
Mountain Health Co-Op
Select Health (not all plans are in-network)
PacificSource (Navigator / BrightPath)
Blue Cross of Idaho CarePoint
Blue Cross of Idaho Boise Municipal Healthcare Trust
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Medicare / Medicaid
IDID
Regence Individual & Family Plans (Idaho Health Insurance Marketplace)
Regence Group Administrators
Saint Alphonsus Health Alliance
Patients with out-of-network plans will be responsible for full payment at the time of service, discount may apply.
Please Update Your Insurance Information
Please notify our office before your appointment if any of the following have changed:
Your insurance plan
Member ID number
Policyholder information
Keeping this information up to date helps prevent billing delays and ensures your visit goes smoothly.
Understanding Your Financial Responsibility
Patients are responsible for:
Copays due at the time of service
Deductibles and coinsurance
Charges for services not covered or denied by insurance
Final benefit determinations are always made by your insurance carrier.
We’re Here to Help
Our team is happy to assist with general insurance questions and eligibility verification. While we can help guide you, your insurance company is the best source for detailed benefit information.
If you have questions or need to update your insurance details, please contact us before your next visit — we’re here to support you.
