Over 37,000 of the country’s 57,300,000 Original Medicare Part A and B beneficiaries live in Idaho Falls, Idaho. Of those enrollees, nearly 9,400 have signed up for a Medicare Advantage plan for a 25.2% participation rate, below the 42.1% national average.
We’ll look at what Medicare Advantage does and other supplemental forms of Idaho Falls, Idaho Medicare below.
Idaho Falls, Idaho Medicare plans
There are three primary ways Idaho Falls, Original Medicare enrollees can expand their healthcare coverage: Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D plans. Each option offers different benefits and has no price standardization, so your rates will vary depending on your age, location, and gender.
The charts below show average rates for a 65-year-old male Idaho Falls, Idaho, Medicare beneficiary.
Cheapest Medicare Advantage plans in Idaho Falls, Idaho
There are 18 different Medicare Advantage plans available in Idaho Falls for Original Medicare beneficiaries. Among that wide selection includes several low-cost, highly-regarded options that add value to Medicare Part A and B.
PacificSource’s Local PPO Medicare Advantage plan has some of the most budget-friendly pricing of any policy in Idaho Falls, Idaho. It has $0 monthly premiums and a $3,500 maximum out-of-pocket (MOOP).
UnitedHealthcare offers a popular HMO Medicare Advantage option with $0 premiums and a $5,400 MOOP. It has a four-star coverage effectiveness rating. This plan also has an “A” financial rating from AM Best.
Humana also offers an Idaho Falls, Idaho, Medicare Advantage plan with competitive pricing. Their Local PPO option has a $0 premium, $5,000 MOOP, and a four-star rating. In addition, generic medications often cost only $1 to $4 with this plan.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Blue Cross of Idaho | $0 | $6,200 | HMO | 4 |
| PacificSource | $0 | $3,500 | LOCAL PPO | 3 |
| UnitedHealthcare | $0 | $5,400 | HMO | 4 |
| Humana | $0 | $5,000 | LOCAL PPO | 4 |
| Blue Cross of Idaho | $0 | $5,500 | HMO | 4 |
Affordable Medicare Supplement plans in Idaho Falls, Idaho
Medicare Supplement plans offer additional inpatient and outpatient coverage not included in Original Medicare Part A and B. Ten different Idaho Falls Medicare Supplement plans are available, each with varying coverage ranges.
Medicare Supplement plans, also known as “Medigap” plans, have coverage standardization, so insurance companies can’t change what benefits come in each package, only the premium rates.
Despite being the most expensive on average, Medigap Plan F is the most popular Medicare Supplement plan in Idaho Falls, Idaho. It offers more coverage than any other plan, with premiums ranging from $190 to $304.42. In addition, Medicare covers excess charges under Plan F.
Plan G is another popular choice with slightly less coverage and lower premiums. It has everything included in Plan F aside from Part B deductible coverage. Average costs range from $154 to $257.47.
Plan N is an affordable option for Idaho Falls, Idaho, Medicare enrollees who only need a slight coverage increase. Benefits aren’t as extensive as in Plans G or F, but the premiums cost between $111.16 and $196.35. This is a good middle-of-the-road option.
| 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 | $304.42 |
| 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 |
Average Medicare Part D prescription drug plans
Idaho Falls, Idaho Medicare Part D plans help beneficiaries cover expenses for their prescription drugs. Part D is a unique form of supplemental Medicare since no Medicare Supplement plans include medication coverage and only a handful of Medicare Advantage plans do.
Aetna’s Idaho Falls, Idaho, Part D plan has the cheapest premium in the city 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 Part D coverage has a higher premium than Aetna’s at $29.40. However, their $310 deductible is the lowest in Idaho Falls for a Part D plan. It also offers $0 copays on most Tier 1 drugs.
Humana offers another popular Part D option with a $22.70 premium and a $480 deductible. It provides access to many common pharmacies around the state of Idaho. The plan has a four-star rating.
| 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
Medicare Special Needs Plans (SNPs) are a subsection of Medicare Advantage with coverage for Idaho Falls, Idaho Medicare beneficiaries with specialized medical needs and chronic disabilities. SNPs are not as common as standard Medicare Advantage plans, and only a handful of providers offer SNP coverage.
Molina Health offers two popular SNPs. One has a $0 premium and $7,550 MOOP, while the other has a higher $42.90 premium and lower $2,000 MOOP. Both have dual eligibility.
Blue Cross of Idaho also offers a $0 premium Special Needs Plan but a lower $3,000 MOOP. This plan also has dual eligibility. Additionally, this plan is also an HMO.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Molina Healthcare | $0 | $7,550 | HMO | Dual |
| Blue Cross of Idaho | $0 | $3,000 | HMO | Dual |
| Molina Healthcare | $42.90 | $2,000 | HMO | Dual |
FAQs
What are the Medicare Supplement plans available in Idaho Falls, Idaho?
Idaho Falls, Idaho, has all ten standard Medicare Supplement plans. You can enroll in any of them if you have Medicare Part B.
What is the difference between Plan N and Plan G in Idaho Falls, Idaho?
Medigap Plan N requires you to pay copay costs for inpatient hospital services out of pocket, while Plan G covers those expenses entirely. However, the trade-off is that most Plan G coverage in Idaho Falls has slightly higher premiums than Plan N.
How much is Medigap Plan G in Idaho Falls, Idaho?
Your Plan G coverage will have different premiums depending on your age, provider, and gender, among other health factors. But some Idaho Falls providers offer Plan G for as little as $154 per month.
Can I change my Medigap policy at any time in Idaho Falls, ID?
You can switch to a new Medigap plan anytime during the Open Enrollment Period. All you have to do to change plans is call your Idaho Falls Medigap provider and complete an application.
Who qualifies for Medigap insurance in Idaho Falls, Idaho?
Anyone 65 years old or older who already has Original Medicare can enroll in Medigap coverage. Additionally, people who have received disability benefits for at least two years can enroll in Medicare and Medigap coverage before their 65th birthday.
How to sign up for Medicare plans in Idaho Falls
Picking the right Medicare Supplement plan in Idaho Falls, Idaho, can be overwhelming with all the existing options. But our licensed insurance agents have the understanding and knowledge to guide you and help pair you with the Medigap plan that’s best for you.
Our agents can also assist with Medicare Advantage and Part D plans; their time and effort are free of charge to you.
So give us a call today to get started. Or simply complete our quick and short online rate form to receive the best rates in Idaho Falls.
