Protecting What
Matters Most
Parker Insurance focuses on health coverage from birth to Medicare. We work for YOU, not the insurance companies.
Top Health Provider
in Idaho
Health / Medicare
Whether you need an ACA plan or you're turning 65, we navigate the complex world of healthcare for you. Get personalized, no-cost support.
Vision Coverage
Keep your eyes healthy with affordable vision plans that cover exams, glasses, and contacts. Access a vast network of Idaho providers.
Dental Plans
From routine cleanings to major procedures, our dental options keep you smiling without breaking the bank.
Life Insurance
Provide financial security for your loved ones with a plan tailored to your family's unique needs and future goals.
Current Coverage
Knowing if you already have coverage helps us determine if you are eligible for a Special Enrollment Period or if we need to look at transition plans.
Tax Credits & Savings
Your estimated income is vital. It helps us determine if you qualify for advanced premium tax credits through Your Health Idaho, potentially saving you hundreds every month.
Who Needs Coverage?
Whether it's just you, you and your spouse, or your whole family, we'll find a plan structure that makes the most financial sense for your household size.
Business Size
Your team size dictates what health insurance regulations apply to your business, such as the employer mandate or composite rating.
Individual Market
- Enrollment: You must enroll during Open Enrollment (Nov-Dec each year) or qualify for a Special Enrollment Period due to a life event.
- Pricing: Your premium price is dependent on four factors: Tax household size, Household Income, Age, and Zip Code.
- Tax Credits: Households may qualify for an Advanced Premium Tax Credit from the US Government. (Note: This tax credit is reconciled at the end of each year; any discrepancies are either refunded or you must pay back the excess amount received).
Small Group Requirements (2-50)
- Mandate: You are not required by law to offer insurance.
- Contributions: If offered, you must pay at least 50% of the employees' premium (dependents not required).
- Eligibility: Must be offered to all "eligible employees" (averaging 30+ hrs/wk, working year-round, and having met their probationary period).
- Classes: Employees can be categorized into classes. Premium contributions and probationary periods can vary by class.
- Rates: Rates are set by employee age, or by "Composite rates" (total price divided by total employees, usually better for 10+ employees).
- Tax Credits: Employees offered this insurance generally lose government tax credits unless the plan is deemed "unaffordable".
- Underwriting: Health underwritten plans are available but require a very "healthy" group to be cost-effective.
Large Group Requirements (51+)
- Mandate: Employers with 51+ employees are required by law to offer health insurance.
- Rates: Large groups utilize composite rates based on overall group demographics.
Due to complex ACA regulations for Applicable Large Employers (ALEs), we highly recommend speaking with an agent to ensure compliance and find the best coverage options for your organization.
Navigating Medicare
Medicare can be confusing, but we're here to help you understand your timeline, options, and next steps to ensure you get the coverage you deserve.
Who are we covering?
Vision plans vary significantly between individual coverage and family bundles. We'll ensure everyone gets the care they need.
Glasses & Contacts
If you wear corrective lenses, we'll focus on plans that offer generous allowances for frames, lenses, and contact lens fittings.
Routine Exams
Most plans cover an annual exam in full. Knowing when your last exam was helps us plan the effective date for your new coverage.
All vision plans are a 1-year contract.
Current Coverage
Knowing your current coverage status helps us find the best plan for you.
Major Procedures
If you have crowns, root canals, or implants planned, we need to find a plan with low waiting periods and high annual maximums.
Your Preferences
We'll help you explore your options and connect with an agent.
All dental contracts are a 1-year contract. Call so the team can ensure you are on a plan with an in-network dentist and complete enrollment. Enrollment can be completed in under 10 minutes.
Plan Benefits Overview
| Plan Benefit |
GrinWell
Prime |
GrinWell
Plus |
Clear
Plan |
GrinWell
Essential |
GrinWell
Prevent |
| Cleanings |
0% |
0% |
$60
(Preventive services
covered 2x/year) |
$15 copay
per visit,
then 0% |
0% |
| Exams |
0% |
0% |
0% |
| Bitewing X-rays |
0% |
0% |
0% |
| Fillings |
20%
(6-mo wait)* |
20%
(6-mo wait)* |
$90
(1 per 2 yrs/tooth) |
$15 copay,
then 50%
(6-mo wait)* |
Not covered |
| Non-Surg. Extractions |
40%
(6-mo wait)* |
50%
(6-mo wait)* |
$80 |
$15 copay,
then 50%
(6-mo wait)* |
Not covered |
| Crowns |
50%
(12-mo wait)* |
50%
(12-mo wait)* |
$500
(1 per 12 mos) |
Not covered |
Not covered |
| Root Canals |
40%
(12-mo wait)* |
50%
(12-mo wait)* |
$400
(2 per 12 mos) |
Not covered |
Not covered |
| Implants |
50%
(12-mo wait)* |
50%
(12-mo wait)* |
$1,250
(1 per 12 mos) |
Not covered |
Not covered |
| Orthodontia |
50%
$1k max
(6-mo wait)* |
Not covered |
Not covered |
Not covered |
Not covered |
| Plan Comparison |
| Max Plan Pays |
$2,000 |
$1,000 Yr 1
$1,250 Yr 2
$1,500 Yr 3 |
$1,250 Yr 1
Unlimited after |
$1,250 |
Unlimited |
| Deductible |
$0 |
$0 |
$0 |
$0 |
$0 |
| Procedure Copay |
N/A |
N/A |
N/A |
$15 |
N/A |
| HOW Program |
Yes |
Yes |
No |
Yes |
Yes |
*Waiting periods may apply.
Your Primary Goal
Life insurance isn't one-size-fits-all. Whether you want to replace income, pay off a mortgage, or simply cover final expenses, the strategy changes.
Coverage Amount
We'll help you strike the perfect balance between a comfortable monthly premium and providing adequate financial security for your loved ones.
Age & Health
Your current age and general health are the primary factors in underwriting. We work with carriers that specialize in various health profiles to get you the best rate.
We're Here For You
Our licensed professionals stay current on Idaho laws and regulations to get you the best coverage.
Rexburg Office
12 W Main St #5, Rexburg, ID 83440
