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.
Medicare plans in Meridian, Idaho
Like Meridian, Idaho Original Medicare, supplemental Medicare plans — also called Medigap — cover health expenses 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.
Medicare Advantage plans
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, a $5,550 MOOP, and a $0 premium. However, unlike Regence’s Local PPO option, it’s an HMO plan. In addition, generic medications often cost only $1 to $4 with this plan.
The average cost of Medicare Advantage plans in Meridian, Idaho
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Blue Cross of Idaho||$0||$6,200||HMO||4|
Medicare Supplement plans
Medicare Supplement plans reduce overall healthcare costs by covering common inpatient and outpatient services not included in Original Medicare. Ten Medicare Supplement plans are 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 monthly. 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.
The average cost of Medicare Supplement plans in Meridian, Idaho
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Medicare Part D prescription drug plans
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.
The average cost of Medicare Part D plans in Meridian, Idaho
Medicare Special Needs plans
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 a handful of Meridian, Idaho, and Medicare providers with SNP options exist.
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.
The average cost of Medicare Special Needs plans in Meridian, Idaho
|Blue Cross of Idaho||$0||$3,000||HMO||Dual|
How to sign up for Medicare plans in Meridian
Medigap.com works with all Meridian, Idaho, Medicare providers, comparing 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.