Top Rated Medicare Advantage Plans in Idaho
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Finding the Top Medicare Advantage Plan in Idaho Starts Here
If you live in Idaho and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Idaho, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Unveiling the Standout Medicare Advantage Plans in Idaho
The Centers for Medicare & Medicaid Service (CMS) rates and reviews Idaho's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
The top rated plan(s) in Idaho for the 2025 plan year get an overall rating of 4-stars. This year, the highest rated Medicare plans available in Idaho come from:
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 Providers
Idaho's Medicare Advantage plans are offered by 7 plan providers, including:
- Blue Cross of Idaho
- Humana
- PacificSource Medicare
- Regence BlueShield of Idaho
- Saint Alphonsus Health Plan
- Select Health
- UnitedHealthcare
Idaho's Top-Rated Plans
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 |
|---|---|---|---|---|---|
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Idaho County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Top-Rated Medicare Advantage Plans in Idaho by County
Choose your Idaho County below to see the best (and the worst) plans.
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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. Consider Your Expected Utilization
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. Evaluate Your Prescription Costs
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Idaho Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Requirements
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
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!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the pros and cons of a Medicare Advantage plan?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Idaho?
A Medicare Advantage plan in Idaho costs an average of $nan. 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 are Medicare Advantage plans required to cover?
All Medicare Advantage plans offered in Idaho must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
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, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", 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 October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.