With about 344,600 Idaho residents receiving Medicare benefits, nearly one-third are enrolled in a Medicare Advantage plan. That means about 222,000 do not participate in a supplemental Medicare plan to cover additional medical expenses.

Below, we will discuss the benefits of Idaho Medicare and the supplemental plans available.

Idaho Medicare: Facts & Figures

  • In Idaho, there are roughly 195,700 enrollees in both Medicare Parts A and B.
  • Of those enrolled, 168,900 were aged into Medicare Parts A and B.
  • Approximately 26,800 residents have Medicare Parts A and B due to a disability.
  • The number of Idaho Medicare enrollees with a Medicare Advantage plan amounts to nearly 123,000.
  • For Medicare Part D, 228,800 participate to receive additional coverage for prescription medications.

Medicare Costs in Idaho for 2022

Idaho Medicare Parts A and B provide coverage for most medical expenses for in-hospital stays and outpatient services. The prices stay the same from state to state because the government regulates Medicare.

The monthly premium for Part A could be $0 per month for individuals who have a work history of at least ten years. Members who pay a monthly premium can receive Plan B benefits.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Not every Medicare beneficiary participates in Original Medicare because of their age. Some enroll due to a disability or disease such as Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD).

Other disabilities such as hearing or visual impairment, cerebral palsy, and muscular dystrophy (MS) may qualify members to receive benefits before turning 65.

About 190,000 Idaho Medicare beneficiaries with Part A enrolled due to their age. Only 30,000 have Medicare Part A benefits because of a disability.

For Idaho Medicare, about 196,000 members enrolled in Part B. 169,000 enrollees have Part B because of their age. Only about 27,000 Idaho Medicare members have Part B because of a disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Idaho

Medical expenses continue to grow every year, leaving many seniors with high medical bills. A supplemental Medicare plan helps ensure that you have the funds to cover these rising healthcare costs.

While Medicare Parts A and B provide adequate coverage for most beneficiaries, specific gaps remain uncovered for some members. Members have many options for supplemental coverage, including Medigap, Part C, and Part D.

The government standardizes Medicare Parts A and B across the country, but supplemental plan prices vary depending on where you live and the carrier that provides them.

Medicare Advantage

Medicare Advantage, or Medicare Part C, provides members with a private coverage option similar to Parts A and B but with additional benefits. Part C might not be for everyone due to its high out-of-pocket costs and network limitations.

Part C also covers the deductibles for Parts A and B. Exact monthly premiums vary depending on where you live. In the United States, six kinds of Medicare Part C plans provide residents additional coverage to their Original Medicare plan.

Part D Plans

Medicare Parts A and B do not provide benefits for the cost of prescription drugs. Medicare Part D covers prescription drug expenses for a low monthly premium to supplement this gap in Original Medicare.

Medigap Plans

Idaho Medicare Supplement plans supply beneficiaries with additional coverage not provided by Original Medicare. Medicare Supplement, or Medigap plans, work alongside Original Medicare to cover the costs that Part A and B do not provide coverage for.

Medigap plan benefits remain the same across the country, no matter what carrier you choose to enroll with; however, monthly premiums will vary.

Idaho Medicare Resources

Idaho residents have abundant resources to help them pay for and understand Medicare. For instance, SHIP can help you find a program if you have concerns about out-of-pocket healthcare costs.

Idaho Medicaid can provide additional assistance in covering the expense of monthly premiums. The Idaho Department of Insurance protects residents from insurance fraud and provides them with resources to better understand Medicare.

Our knowledgeable staff can assist you with selecting a plan that suits you the most!

FAQs

How much does Medicare cost in Idaho?

While Original Medicare Part A does not generally have a monthly premium, Part B does. However, those with an annual income above a certain limit may have to pay more while those with a lower income may qualify for assistance programs to reduce this cost.

How do I enroll in Medicare for the first time in Idaho?

For Idaho Medicare, you will be automatically enrolled for the first time. To be registered, you must already receive Social Security benefits and be 65 years old or older at the time of enrollment.

You can choose to enroll in Medicare Part B later once you apply through the Social Security office.

Why does Medicare ask for my ZIP code in Idaho?

Your zip code can affect the number of available supplemental Medicare plans and their prices. Depending on your county or ZIP code, there will only be specific supplemental Medicare plans available to you.

Does Social Security automatically enroll you in Medicare in Idaho?

Yes, signing up for Idaho Medicare will be automatic if you already receive Social Security benefits and are at least 65 years of age. You will receive enrollment instructions from Social Security roughly twelve weeks before your 65th birthday.

Is Medicare cost based on your income in Idaho?

Your Idaho Medicare costs vary depending on your income. For example, individuals making more than $91,000 and married couples earning more than $182,000 will pay the standard monthly premium of about $170 for Part B.

Medicare can require a higher premium of about $578 per month for individuals with income exceeding $500,000 and $750,000 for married couples.

How to Sign Up for Supplemental Medicare in Idaho

We provide Medicare members with free consulting to determine which Idaho Medicare supplemental plan supports them the best. We work with all major carriers to fit your unique medical needs and individual budget.

Our expert team can answer any questions about Idaho Medicare and help you choose the right plan for you.

So give us a call today. Or complete our short online rate form to be connected with the best rates in your area.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.