Meridian, Idaho, Medicare beneficiaries have three primary ways to expand their Original Medicare coverage: Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D plans.

Each option offers unique coverage not included in baseline Medicare, and we’ll discuss some of the most popular Meridian policies and providers below.

Meridian, Idaho Supplemental Medicare Plans

Similar to Original Medicare, supplemental Medicare plans — also called Medigap — cover health expenses that you would otherwise have to pay out-of-pocket to receive.

The significant difference between supplemental Medicare and Original Medicare, other than coverage, is that supplemental plans don’t have price standardization.

Hence, their rates vary per provider based on age, gender, and location. The prices in the charts below show the average costs for a 70-year-old female Meridian, Idaho, Medicare enrollee.

Affordable Medicare Advantage Plans in Meridian, Idaho

44 Medicare Advantage plans are available in Meridian, Idaho, tied for the most MA options of any city in Idaho. That wide selection includes several highly-rated, low-cost policies that all boost the effectiveness of Original Medicare.

Medigold’s Meridian, Idaho, Medicare Advantage plan has a $0 premium and the city’s lowest maximum out-of-pocket (MOOP) rates at $3,900. This plan is an HMO. Note, however, that it does not include Part D coverage.

Regence offers one of Meridian’s few Local PPO Medicare Advantage plans. It has a $0 premium, a $5,500 MOOP, and a four-star coverage effectiveness rating. It offers $0 copays for most in-network services.

Humana’s Medicare Advantage plan also has a four-star rating, $5,550 MOOP, and a $0 premium. However, it is an HMO plan, unlike Regence’s Local PPO option. In addition, generic medications often cost only $1 to $4 with this plan.

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

Average Medicare Supplement Plans in Meridian, Idaho

Medicare Supplement plans reduce overall healthcare costs by covering common inpatient and outpatient services not included in Original Medicare. There are 12 Medicare Supplement plans available in Meridian, Idaho, and national standardization ensures that each offers the same benefits regardless of your provider or location.

However, that standardization doesn’t impact rates, so your Medicare Supplement coverage costs vary depending on where you enroll and several other factors.

Plan F is one of the most popular forms of Medicare Supplement coverage in Meridian, Idaho. It has more benefits than any other Medigap plan, but the most expensive average premiums range from $190 to $304.42. In addition, Medicare covers excess charges under Plan F.

Plan N is another popular Medigap option with much lower premiums in exchange for decreased coverage. Plan N enrollees pay anywhere from $111.16 to $196.35 in monthly fees. This is a good middle-of-the-road option.

Those who want the extensive coverage offered by Plan F without the high monthly premiums often choose High Deductible Plan F (HDF). HDF has the same benefits as Plan F but cheaper premiums from $46 to $92.10 and a higher deductible charge.

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

Cheapest Medicare Part D in Meridian, Idaho

Medicare Part D plans offer Meridian, Idaho, Medicare beneficiaries prescription drug coverage for most forms of medication. Part D coverage stands out since no Medicare Supplement plans and only a handful of Medicare Advantage plans cover prescription drug costs.

Aetna’s $6.90 premium Part D plan has the lowest monthly rates of all Meridian Part D options. 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.

Humana’s Part D plan also has a $480 deductible and a higher premium than Aetna’s policy at $22.70. However, its four-star coverage is one of Meridian’s highest-rated. It offers access to many common pharmacies around the state of Idaho.

UnitedHealthcare’s Part D coverage has a $29.40 premium, but its $310 deductible is the lowest for any Part D plan in Meridian. This plan also has a four-star rating. It also offers $0 copays on most Tier 1 drugs.

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 Meridian, Idaho

Medicare Special Needs Plans (SNPs) are a specialized subset of Medicare Advantage with coverage for people with unique medical needs and chronic disabilities. SNPs aren’t as widely available as standard Medicare Advantage, but there are still a handful of Meridian, Idaho, Medicare providers with SNP options.

Molina Healthcare has two SNPs available for Meridian, Idaho, residents. One is a $0 premium option with a higher $7,550 MOOP, while the other has a $42.90 premium and a much lower $2,000 MOOP. Both have dual eligibility.

Blue Cross of Idaho has a well-regarded SNP with a $0 premium and a $3,000 MOOP. This plan also has dual eligibility. Additionally, this plan is also an HMO.

American Health’s SNP is the only option in Meridian with institutional eligibility. It also 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

What are Medigap premiums based on in Meridian, Idaho?

Meridian, Idaho, insurance providers shift their premium rates based on several factors. However, your age, gender, and health concerns are the most impactful.

Is Plan G available in Meridian, Idaho?

Plan G is available in Meridian and is one of the most popular Meridian, Idaho, Medicare Supplement plans. Its premiums range from $154 to $257.47.

Are Medicare premiums deducted from Social Security in Meridian, Idaho?

You can deduct Original Medicare Part A and B premiums from your Social Security in Meridian, Idaho, though it’s not mandatory. The option is available for Medicare Advantage and Medicare Part D premiums as well.

Can I change my Medigap policy at any time in Meridian, Idaho?

You must wait until your six-month open enrollment period before switching Medigap policies. During that period, all you have to do to change plans is call your provider and complete an application.

What is the least expensive Medicare supplement plan in Meridian, Idaho?

Meridian, Idaho Plan K has the lowest overall costs, thanks to its $62.75 to $182 premium range. HDF and HDG have lower monthly rates, but their high deductibles make them more expensive overall.

How to Sign Up for Supplemental Medicare in Meridian

Medigap.com works with all Meridian, Idaho, Medicare providers and compares rates and coverage for free. That way, you can find the supplemental Medicare coverage you need without the hassle.

Besides that, our licensed insurance agents have the knowledge and patience to give you the best information for your personal needs.

So call our team today or fill out our online rate form to be connected with the best rates in your area.

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.