Idaho Medicare Plans
Like all states, Idaho Medicare plans provide a standardized coverage of care; however, many beneficiaries find it necessary to enroll in an Supplement to cover additional medical care costs.
We can assist you in comparing these policies and finding the best care for you.
Idaho Medicare plans open enrollment
At 65, residents in Idaho are eligible for enrollment at 65. This initial enrollment begins three months prior to your birthday and then continues for three months after your birthday. During this initial enrollment period you can also apply for Medicare Supplements. Doing this ensures you cannot be denied due to pre-existing medical conditions.
Original Medicare plans only cover 80% of the outpatient expenses. Medicare Supplements can help to cover deductibles and coinsurance that original Medicare doesn’t fully cover.
Other features of a Supplement are that you can see any doctor that accepts Medicare and they cap out-of-pocket expenses.
There are 10 plans in Idaho. These are all standard plans lettered A-N. Similarly lettered plans provide the same coverage. The only difference is the cost. This is why it’s important to shop for the plan and Supplement that fit your needs and budget.
If you have enrolled in Medigap Plans C or F prior to 2019 you are able to remain on those plans. However, if you are a new beneficiary you will not be able to enroll in those plans.
Medicare Advantage Plans
Depending on which county you live in, Idaho has up to 31 plans available. There are Advantage plans available in 32 of the 44 counties. These plans are also known as Part C plans. A Medicare Advantage plan provides all the same coverage as an Original Medicare plane, but also covers dental, vision and prescription drugs.
Medicare Part D
If you need assistance with out-of-pocket costs associated with prescription drugs, one of the 26 Part D plans might be good for you. These plans provide additional coverage specifically for prescription medications.
How we can help
There are a lot of Medicare plans available. While they all offer a standardized coverage, you may want to shop and compare prices. This is why asking a licensed Idaho Medicare Agent to assist you could be a big help. We have agents standing by to help you, free of charge.