“Conversion” is the right to convert an employee's group coverage to individual coverage if membership in the group ends. Idaho law requires that insurers offering or maintaining group major medical insurance policies in Idaho must make a current group or individual policy available to an individual or dependent of an individual covered under such a policy following expiration or the insured's declination of Consolidated Omnibus Budget Reconciliation Act (COBRA) benefit coverage, if applicable, or otherwise upon termination of group coverage (ID Stat. Sec. 41-2220).
Coverage may not be conditioned on the individual's age, health or medical history, or employment status. A "major medical policy" is defined as insurance that provides hospital and medical/surgical coverage.
Last reviewed on March 30, 2015.