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 Supplemental Medicare Plans

There are three primary ways 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

Idaho Falls, Idaho, has 18 different Medicare Advantage plans available 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. There are 12 different Medicare Supplement plans available in Idaho Falls, each with varying coverage ranges.

Medicare Supplement plans, also known as “Medigap” plans, have coverage standardization, so insurance companies cannot 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 in Idaho Falls, Idaho

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 offers 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 in Idaho Falls, Idaho

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 it has 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 12 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 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 Supplemental Medicare 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.

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.