The Insurance Puzzle & Direct Primary Care

Services provided at Story Family Medicine, Direct Primary Care, typically cover between 90% of what most people will need medically.  It is recommended, however, that patients pair our primary and urgent care services with a high-deductible “catastrophic” medical insurance policy or with a health care sharing ministry product.  These vehicles “wrap around” and complement our outpatient direct care services nicely, helping cover high expense items such as hospitalization, surgery, imaging and emergency room visits.


Below we have listed some options for commercial insurance companies and health sharing ministries that service the North Idaho region.  Please be aware that this list is neither exhaustive nor are we affiliated with or endorsed by any of these groups. It is vital to conduct thorough research to find the best option for you and your family.


Commercial Insurance


These are traditional insurance policies that can be purchased either through the insurance marketplace at Your Health Idaho, or on each company’s respective website.  These plans may contain savings if you are eligible for an Advanced Tax Credit through the Affordable Healthcare Act.  Be advised that some commercial insurance plans restrict coverage to certain regional areas and healthcare providers. Be sure to check the policy restrictions before you purchase your plan.


Blue Cross of Idaho – (800) 627-1188

Bridgespan – (800) 750-0907

Pacific Source – (855) 333-1559

Regence of Idaho – (888) 232-5763


Health Sharing Ministries


These are largely faith-based programs that share medical costs among their members. A viable health sharing ministry is recognized by the IRS as a Non-Profit Organization (NPO) and is exempt from the requirements of the Affordable Healthcare Act. Furthermore, those who opt for a health sharing program are also exempt from paying the annual fee for not having insurance.  The requirements for joining these programs vary between organizations.  You can find out more about these requirements on each organization’s respective website.


Altrua Healthshare – (888) 244-3839

Christian Healthcare Ministries – (800) 791-6225

CMF CURO – (800) 840-7471

Liberty Healthshare – (855) 585-4237

Liberty Healthshare’s variant program, Liberty Direct – (888) 991-4885

Medishare – (800) 772-5689

Samaritan Ministries – (877) 764-2426


If you have any questions, we would be happy to help in any way that we can.  Feel free to contact our office by phone at (208) 310-7773, or by email at office@storyfamilymed.com