Nampa, Idaho, Medicare beneficiaries can expand their baseline Part A and B coverage with three forms of supplemental coverage: Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D plans.
We’ll look at a few options and providers for each supplemental plan and answer a few common Medicare questions in the sections below.
Nampa, Idaho Supplemental Medicare plans
Nampa, Idaho’s three supplemental Medicare options cover inpatient, outpatient, and general healthcare services, similar to Original Medicare in Nampa, Idaho. But unlike Medicare Parts A and B, supplemental Medicare plans have no price standardization, and private insurance companies offer different rates based on several factors.
The charts below reflect average quotes for a 70-year-old male Nampa, Idaho, Medicare enrollee.
Average Medicare Advantage plans in Nampa, Idaho
Nampa, Idaho, has 44 different Medicare Advantage plans available for eligible enrollees, tied for most of any city in Idaho. That selection gives Medicare beneficiaries several affordable, high-quality options with valuable coverage benefits.
MediGold’s Nampa, Idaho, Medicare Advantage plan is one of the most affordable. It has a $0 premium and a $5,500 maximum out-of-pocket (MOOP). This plan, however, has no star rating.
Aetna’s Medicare Advantage option is one of Nampa’s few HMOPOS plans. Like Medigold’s coverage, it has a $0 premium and a $5,500 MOOP. This plan has a three-star rating.
SelectHealth’s HMO Medicare Advantage plan has some of the best coverage in Nampa. It has a perfect five-star coverage effectiveness rating, a $0 premium, and a $6,700 MOOP. The medical deductible is $0.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Blue Cross of Idaho||$0||$6,200||HMO||4|
Cheapest Medicare Supplement plans in Nampa, Idaho
Medicare Supplement (or “Medigap) plans help to expand the limited inpatient and outpatient coverage of Original Medicare, saving beneficiaries money on essential out-of-pocket payments. Ten Medicare Supplement plans in Nampa, Idaho, each with a different coverage range.
The federal government standardizes the benefits in Medicare Supplement plans, so you’ll get the same coverage regardless of your provider or location; the only thing that changes is the price.
Plan F is popular in Nampa and is the most enrolled-in Medigap plan nationwide. It has more coverage than any other Medigap policy. However, the premiums are more expensive and range from $190 to $304.42.
Plan G is another go-to choice for Nampa, Idaho, Medicare beneficiaries. It covers everything in Plan F besides Part B deductible payments and has slightly lower premiums, from $154 to $257.47. The high price does come with great coverage.
Plans F and G also have high-deductible versions that substitute the expensive premiums for costlier deductibles and low monthly fees. Enrollees pay anywhere from $46.00 to $92.10 for High-Deductible Plan F (HDF) and $46 to $69 for High-Deductible Plan G (HDG). The coverage is still extensive.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Affordable Medicare Part D prescription drug coverage
Medicare Part D plans cover prescription drug costs for most types of medication. Part D is popular among Nampa, Idaho, and Medicare enrollees since most Medicare Advantage plans and no Medicare supplement plans offer prescription drug coverage.
Aetna has a cheap Part D plan in Nampa, Idaho, with a low $6.90 premium and $480 deductible. Many drugs cost you only $1 for a 30-day supply under this plan. It also boasts a three-star rating.
UnitedHealthcare’s Part D option has a higher premium than Aetna’s at $29.40. However, it has a more affordable deductible than other “low-premium” Part D plans at $310. It also offers $0 copays on most Tier 1 drugs.
Humana’s Nampa, Idaho, Medicare Part D coverage is highly regarded with a four-star rating. It also has a $22.70 premium and a $480 deductible. It offers access to many common pharmacies around the state of Idaho.
Medicare Special Needs plans
Medicare Special Needs Plans (SNPs) are a subgroup of Medicare Advantage with coverage for people with chronic disabilities who need specialized medical care. Though they aren’t available everywhere, Nampa, Idaho, does have a few options.
Molina Healthcare has two special needs plans, one with a $0 premium and higher $7,550 MOOP, and another with a $42.90 premium and low $2,000 MOOP. Both have dual eligibility. These plans are great for those in nursing homes.
Blue Cross of Idaho also offers a $0 premium SNP. It is an HMO plan with dual eligibility and a $3,000 MOOP. Additionally, this plan is also an HMO.
American Health has the only SNP in Nampa with institutional eligibility. It has a $42.90 premium and a $7,550 MOOP. For those in nursing homes, it offers a great option to enhance the care they receive.
|Blue Cross of Idaho||$0||$3,000||HMO||Dual|
Does Medigap cover all costs in Nampa, Idaho?
High coverage Medigap plans cover nearly all your Original Medicare costs, including Part A and B coinsurance, deductibles, and excess charges.
However, not every Nampa Medigap plan has that much coverage, and none offer premium coverage.
What is the least expensive Medicare Supplement plan in Nampa, ID?
The least expensive Medigap plan in Nampa, Idaho, is Medigap Plan K, which has a premium range of $62.75 to $182. However, HDF and HDG have the lowest monthly premiums but a high deductible rate.
Is Medigap better than an Advantage plan in Nampa, Idaho?
The better supplemental plan depends mainly on your healthcare needs. If you need additional coverage for out-of-pocket inpatient and outpatient services, a Medigap plan is a better fit than Medicare Advantage.
On the other hand, if you need coverage for vision, dental, and other similar services, a Nampa, Idaho, Medicare Advantage is your best bet.
Do Medigap plans cover drugs in Nampa, Idaho?
None of the 12 Nampa, Idaho Medigap include any prescription drug coverage. If you need help covering medications, you’re better off with a Part D plan.
Are Medigap premiums based on income in Nampa, Idaho?
Medigap providers don’t typically charge higher premiums for above-average incomes. Instead, most determine your rates based on age, gender, location, and health history.
How to sign up for Medicare plans in Nampa
No matter what supplemental Nampa, Idaho Medicare plan you’re looking for, our team will help you find it.
We work with all Nampa insurance companies and compare their rates and options for free so that you can find the coverage you need within minutes.
Call our team today or complete our online rate form to get the best rates in your area.