Over 172,000 Original Medicare Part A and B beneficiaries live in Boise, Idaho. Of those enrollees, more than 82,000 have a Medicare Advantage plan compared to the nearly 96,000 with fee-for-service Medicare.

In addition, Boise’s MA participation rate is 46.2%, a few points higher than the 42.1% national average.

Boise, Idaho Supplemental Medicare Plans

With a supplemental Boise, Idaho, Medicare plan, you can get coverage for the health services you typically pay out-of-pocket to receive. The three standard options for supplemental Medicare are Medicare Advantage, Medicare Part D, and Medicare Supplement plans, but each has different prices depending on your age, gender, and location.

Below, we’ll look at plans for each option with average rates for a 65-year-old female Boise, Idaho, beneficiary.

Average Medicare Advantage Plans in Boise, Idaho

Boise, Idaho’s Ada County, has 44 Medicare Advantage plans, tied with Canyon County for the most in the state. Each plan brings value to Original Medicare enrollees that they can’t receive with Part A and B, but the prices are drastically different.

Humana has one of the highest-regarded HMO Medicare Advantage plans in Boise. It has a $0 premium and a competitive maximum out-of-pocket at $5,500.It also boasts one of the highest Medicare Advantage plan ratings at four out of five stars.

Medigold’s Medicare Advantage option is another popular choice in Boise, with low financial demands. They offer a $0 premium and $3,900 MOOP for their HMO plan. This plan, however, has no star rating.

Regence’s Medicare Advantage plan is one of Boise’s few Local PPO options. Like Humana’s plan, it has a $0 premium and a $5,500 MOOP. It also has the same four-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Medigold $0 $3,900 HMO N/A
Humana $0 $5,500 HMO 4
Blue Cross of Idaho $0 $6,200 HMO 4
Regence $0 $5,500 LOCAL PPO 4
Molina Healthcare $0 $5,000 HMO 3

Cheapest Medicare Supplement Plans in Boise, Idaho

Boise, Idaho, Medicare Supplement plans reduce Original Medicare beneficiaries’ healthcare costs with inpatient and outpatient coverage not included in Part A and B.

There are 12 Medicare Supplement plans in Boise, which insurance providers commonly call “Medigap” plans. However, each has federal standardization, so companies cannot change the benefits of each policy, only the prices.

Plan G is a popular Medigap plan in Boise, Idaho, for its extensive coverage. Plan G beneficiaries can get these plans with premiums ranging from $154 to $257.47. The high price does come with great coverage.

Plan F is another sought-after Medicare Supplement plan in Boise, Idaho. It is the most enrolled-in Medigap plan nationwide. Though it has the most coverage, the premiums are the costliest on average, ranging from $190 to $304.42.

Plan N is a unique and popular Medigap choice that stands out as a middle ground between expenses and coverage. Premiums for Plan N range much cheaper than Plans G and F, from $111.16 to $196.35, but offer a bit less coverage than those more expensive options. This may be a good option for those who want lower costs.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $103.00 $241.10
PLAN B $148.00 $195.15
PLAN C $189.00 $350.00
PLAN D $162.08 $207.88
PLAN F $190.00 .
PLAN HDF $46.00 $92.10
PLAN G $154.00 $257.47
PLAN HDG $46.00 $69.00
PLAN K $62.75 $182.00
PLAN L $123.50 $152.00
PLAN M $180.21 N/A
PLAN N $111.16 $196.35

Affordable Medicare Part D in Boise, Idaho

Medicare Part D plans are stand-alone Boise, Idaho, Medicare options that cover prescription drugs. Most Medicare Advantage plans don’t cover medications, and none of the 12 Medigap plans in Boise do, so Part D plans are popular for Boise beneficiaries with necessary prescriptions.

Aetna’s Part D plan has the cheapest premiums in Boise at $6.90. It also has a $480 deductible and a three-star rating. Many drugs cost you only $1 for a 30-day supply under this plan.

UnitedHealthcare’s Boise, Idaho, Medicare Part D plan has a higher premium than Aetna’s at $29.40. However, it comes with a favorable $310 deductible. It also offers $0 copays on most Tier 1 drugs.

Humana’s Part D plan is one of the most comprehensive in Boise, with a four-star coverage rating. It also has a $22.70 premium and a $480 deductible. It offers access to many common pharmacies around the state of Idaho.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.90 $480 3
Wellcare $11.30 $480 3
Clear Spring $16.10 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.40 $310 4

Medicare Special Needs Plans in Boise, Idaho

Medicare Special Needs Plans (SNPs) are an offshoot of Medicare Advantage for enrollees with chronic disabilities and specialized medical needs. Though they aren’t available everywhere, Boise has a small selection of SNP providers.

Blue Cross of Idaho’s HMO Special Needs Plan is popular because of its budget-friendly pricing. It offers a $0 premium and $3,000 MOOP. It also includes part D coverage.

Molina Healthcare’s SNP has the lowest MOOP at $2,000 and a $42.90 premium. The medical deductible is only $203. It even helps cover nursing facility care.

American Health’s SNP is the only one in Boise with institutional eligibility. It has a $42.90 premium and $7,550 MOOP. For those in nursing homes, it offers a great option to enhance the care they receive.

PLAN PREMIUM MOOP Plan Type Eligibility
Molina Healthcare $0 $7,550 HMO Dual
Blue Cross of Idaho $0 $3,000 HMO Dual
American Health $42.90 $7,550 HMO Institutional
Molina Healthcare $42.90 $2,000 HMO Dual

FAQs

How much does a Medigap policy cost in Boise, Idaho?

Boise, Idaho Medicare Supplement plans vary in cost depending on which one you get. But the average premium prices range from $91 to $304.

Do Medigap premiums increase with age in Boise, Idaho?

Some Boise, Idaho Medigap providers will increase your premiums as you age. However, most of them determine your premium rates by the age you are when you enroll rather than your current age.

Can you switch from Medicare Advantage to Medigap in Boise, Idaho?

You can switch from Medicare Advantage to Medigap anytime during your open enrollment period. All you need to do to change plans is contact your Boise insurance provider.

Do Medigap plans cover drugs in Boise, Idaho?

Boise’s Medigap plans do not cover prescription medication. However, you can receive coverage for most prescription drugs through a Medicare Part D plan.

Which Medigap plan offers the most coverage in Boise, ID?

Boise, Idaho’s Medigap Plan F has the most coverage but comes with the highest premiums. On the other hand, Medigap Plan G covers everything Plan F does aside from your Part B deductible and has a slightly lower premium.

How to Sign Up for Supplemental Medicare in Boise

We want to make it as easy as possible for you to find the right supplemental Medicare plan for your needs. That’s why our agents compare rates from all providers in Boise and show you our findings for free.

Call us today or complete our online rate form to get the best rates in your area. We look forward to helping you find the best coverage possible.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.