Best 2024 Medicare Advantage Plans in Idaho
Find Plans in your area with your ZIP Code
Finding the Best Medicare Advantage Plan in Idaho Starts Here
Are you considering enrolling in a Medicare Advantage plan in Idaho? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Idaho, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
Table of Contents
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Comparing the Leading Medicare Advantage Plans in Idaho
Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Idaho based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
Idaho has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Idaho come from:
- Select Health
- SelectHealth
We recommend evaluating the health plans from these Idaho health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Idaho. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Idaho's Plan Providers
Idaho has 11 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Blue Cross of Idaho
- Humana
- MediGold
- Molina Healthcare of Utah & Idaho
- PacificSource Medicare
- Regence BlueShield of Idaho
- Saint Alphonsus Health Plan
- Select Health
- SelectHealth
- UnitedHealthcare
Top Ranked Plans in Idaho
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Idaho:
Top Medicare Advantage Plans in Idaho
Provider | Plan ID | Plan Name | Premium | Limit | Stars |
---|---|---|---|---|---|
Select Health | H1994-013 | SelectHealth Medicare Classic (HMO) | $62.00 | $8,300 | 5.0 |
Select Health | H1994-003 | SelectHealth Medicare Essential (HMO) | $0.00 | $5,900 | 5.0 |
Select Health | H1994-008 | SelectHealth Medicare Enhanced (HMO) | $19.00 | $5,900 | 5.0 |
Select Health | H1994-013 | Select Health Medicare Classic (HMO) | $61.00 | $8,300 | 5.0 |
Select Health | H1994-024 | Select Health Medicare Flex (HMO) | $25.00 | $4,200 | 5.0 |
Select Health | H1994-023 | Select Health Medicare + Kroger (HMO) | $0.00 | $4,500 | 5.0 |
Select Health | H1994-008 | Select Health Medicare Enhanced (HMO) | $29.00 | $5,400 | 5.0 |
Select Health | H1994-003 | Select Health Medicare Essential (HMO) | $0.00 | $4,500 | 5.0 |
Blue Cross of Idaho | H1350-026 | True Blue Rx Essentials (HMO) | $0.00 | $6,200 | 4.5 |
Blue Cross of Idaho | H1350-028 | True Blue Rx Option I (HMO) | $140.00 | $5,000 | 4.5 |
Blue Cross of Idaho | H1350-029 | True Blue Rx Option II (HMO) | $122.00 | $6,400 | 4.5 |
Blue Cross of Idaho | H1350-030 | True Blue Rx (HMO) | $72.00 | $6,200 | 4.5 |
Blue Cross of Idaho | H1350-031 | True Blue Rx Preferred (HMO) | $0.00 | $4,700 | 4.5 |
Blue Cross of Idaho | H1350-023 | True Blue Rx | St. Luke's Health Partners (HMO) | $0.00 | $4,500 | 4.5 |
Blue Cross of Idaho | H1350-024 | True Blue Rx Gem (HMO) | $35.00 | $4,800 | 4.5 |
Humana | H5216-247 | HumanaChoice H5216-247 (PPO) | $0.00 | $6,500 | 4.5 |
Humana | H5216-293 | Humana Value Plus H5216-293 (PPO) | $38.00 | $8,300 | 4.5 |
Humana | H5216-132 | HumanaChoice H5216-132 (PPO) | $0.00 | $5,900 | 4.5 |
Humana | H5216-044 | HumanaChoice H5216-044 (PPO) | $30.00 | $6,000 | 4.5 |
Humana | H5216-048 | HumanaChoice H5216-048 (PPO) | $199.00 | $6,700 | 4.5 |
UnitedHealthcare | H4604-015 | AARP Medicare Advantage from UHC ID-001P (HMO-POS) | $0.00 | $4,500 | 4.5 |
UnitedHealthcare | H4604-012 | AARP Medicare Advantage from UHC ID-0005 (HMO-POS) | $18.00 | $4,500 | 4.5 |
UnitedHealthcare | H4604-014 | AARP Medicare Advantage Plan 1 (HMO-POS) | $74.00 | $4,500 | 4.5 |
UnitedHealthcare | H4604-022 | AARP Medicare Advantage Plan 2 (HMO-POS) | $0.00 | $4,900 | 4.5 |
UnitedHealthcare | H4604-014 | AARP Medicare Advantage from UHC ID-0007 (HMO-POS) | $68.00 | $4,500 | 4.5 |
UnitedHealthcare | H4604-022 | AARP Medicare Advantage from UHC ID-0009 (HMO-POS) | $0.00 | $4,900 | 4.5 |
UnitedHealthcare | H4604-013 | AARP Medicare Advantage from UHC ID-0006 (HMO-POS) | $47.00 | $4,900 | 4.5 |
UnitedHealthcare | H4604-020 | AARP Medicare Advantage from UHC ID-0008 (HMO-POS) | $0.00 | $5,900 | 4.5 |
UnitedHealthcare | H4604-012 | AARP Medicare Advantage (HMO-POS) | $10.00 | $4,500 | 4.5 |
UnitedHealthcare | H4604-015 | AARP Medicare Advantage Focus (HMO-POS) | $0.00 | $4,500 | 4.5 |
The top providers listed above do not tell the full story. That's because your Idaho County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best MA Plans in Idaho by County
Choose your Idaho County below to see the best (and the worst) plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Idaho
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Evaluate How You Plan to Use Your Benefits
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Examine Your Prescription Medication Expenses
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Idaho Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Idaho shoppers, finding a plan that their doctors accept is exhausting. We can help!
Find Plans in your area with your ZIP Code
Next Steps
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Idaho?
A Medicare Advantage plan in Idaho costs an average of $26.33. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
What do Medicare Advantage plans include?
At a minimum, every Medicare Advantage plan sold in Idaho must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
For Researchers
Next State of Best Medicare Advantage Plans:
Previous State of Best Medicare Advantage Plans: