Benefits: Insurance: Waiting Periods
Dental Plan
Group Insurance Effective Date
Medical Pre-existing Conditions
Group Insurance Effective Date
The effective date for group insurance benefits is the first of the month following 90 days of employment. If an employee enrolls after 60 days, then the effective date is the first of the month after application for coverage. The deductible year coincides with ISU's fiscal year, which is from July 1 to June 30.
Medical Pre-existing Conditions
The State employee medical plans have a 12-month waiting period before they will begin to pay benefits for pre-existing conditions. The State of Idaho plan states the following regarding pre-existing conditions:
A preexisting condition is a condition, (whether physical or mental), regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received during the six months immediately preceding the enrollment date. A pregnancy existing on the enrollment date is not a preexisting condition under this policy.
For further details: State of Idaho Group Insurance Contracts
If you were covered by another medical plan within 63 days of your date of hire with the State and you enroll within 60 days of employment, the time enrolled under the prior plan may count toward fulfilling this 12-month waiting period. For more information, contact the Office of Group Insurance, (800) 531-0597, ogi@adm.state.id.us.
Dental Plan
For all new dental plan enrollees, there is a 12-month waiting period for major care (covered crowns, bridges, dentures) and orthodontia services. Please refer to the Delta Dental Plan contract, State of Idaho Group Insurance Contracts for specific details. Your time enrolled in a prior dental plan cannot be credited against the waiting period in the state's dental plan.