A Trusted Commercial Construction Health Plan Partner
It’s time to put your Idaho AGC membership and Idaho AGC Health Plan to work for you and your employees. Since 1986, the Idaho AGC Health Plan has offered reliable healthcare benefits to all Idaho AGC members. We work closely with federal and state regulators to ensure our plan meets all legal requirements and provides the best possible value for our members. We take the burden off your shoulders by ensuring the health plans are compliant with the rapidly changing insurance landscape.
What We Offer
At Idaho AGC, we offer the following health plan options and benefits:
- Comprehensive benefits at competitive rates
- Medical plan deductibles range from $1,000 to $5,000
- Two HSA-qualified deductible plan options
- Limited network medical plans offering lower rates
- Office visit copays on traditional non-HSA qualified medical plans
- Comprehensive prescription drug plan, with no separate deductible
- An expansive list of preventive benefits with no out-of-pocket expense
- A robust network of providers through Blue Cross of Idaho, Delta Dental of Idaho and VSP
- Worldwide medical coverage through the Blue Card network
- Partners with stable carriers, Blue Cross of Idaho, Delta Dental of Idaho, and Vision Service Plan (VSP)
- Two Dental options through Delta Dental of Idaho
- Dual Premier with nationwide PPO network coverage
- Buy-up dental plan includes orthodontia
- Vision options with nationwide network coverage through VSP
- A $25,000 life benefit, AD&D, and $275 per week* short-term disability with medical coverage
- Free COBRA administration
- Knowledgeable and responsive customer service
- One source billing for all plans
- HIPAA and Affordable Care Act (ACA) compliant
- An advocate and partner for employers and employees of the construction industry
* $275/week Core STD benefit effective 1/1/2025
Employer Group Qualifications
To qualify for the Idaho AGC Health Plan, your group must:
- Be domiciled in the State of Idaho
- Have two or more qualified employees
- 30+ hours per week, not living in the same household
- Have 75% participation of benefit-eligible employees
- Contribute the minimum employer contribution of 50% of the employee portion
- Commercial construction-related business
- Must be a member of the Idaho AGC to join the health plan
- Membership is not necessary to receive a quote
Note: The Idaho AGC Self-Funded Benefit Trust Group Health Plan self-funds medical, dental, and vision coverage and is not considered insurance. The plan does not participate in the state guarantee association.