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By David Bynon [3] · Last updated January 16, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. How we make money.

Medicare Advantage
 » 
Idaho

2025 Guide to Medicare Advantage Plans in Idaho

by David Bynon, last updated January 16, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. Learn more.

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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

Who Has The Best Plans in Idaho? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

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

    Best Medicare Advantage Plans in Idaho for 2025
    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.

    Ada County, ID Medicare Advantage Plans
    Adams County, ID Medicare Advantage Plans
    Bannock County, ID Medicare Advantage Plans
    Bear Lake County, ID Medicare Advantage Plans
    Benewah County, ID Medicare Advantage Plans
    Bingham County, ID Medicare Advantage Plans
    Blaine County, ID Medicare Advantage Plans
    Boise County, ID Medicare Advantage Plans
    Bonner County, ID Medicare Advantage Plans
    Bonneville County, ID Medicare Advantage Plans
    Boundary County, ID Medicare Advantage Plans
    Camas County, ID Medicare Advantage Plans
    Canyon County, ID Medicare Advantage Plans
    Caribou County, ID Medicare Advantage Plans
    Cassia County, ID Medicare Advantage Plans
    Clark County, ID Medicare Advantage Plans
    Clearwater County, ID Medicare Advantage Plans
    Custer County, ID Medicare Advantage Plans
    Elmore County, ID Medicare Advantage Plans
    Franklin County, ID Medicare Advantage Plans
    Fremont County, ID Medicare Advantage Plans
    Gem County, ID Medicare Advantage Plans
    Gooding County, ID Medicare Advantage Plans
    Idaho County, ID Medicare Advantage Plans
    Jefferson County, ID Medicare Advantage Plans
    Jerome County, ID Medicare Advantage Plans
    Kootenai County, ID Medicare Advantage Plans
    Latah County, ID Medicare Advantage Plans
    Lemhi County, ID Medicare Advantage Plans
    Lewis County, ID Medicare Advantage Plans
    Lincoln County, ID Medicare Advantage Plans
    Madison County, ID Medicare Advantage Plans
    Minidoka County, ID Medicare Advantage Plans
    Nez Perce County, ID Medicare Advantage Plans
    Oneida County, ID Medicare Advantage Plans
    Owyhee County, ID Medicare Advantage Plans
    Payette County, ID Medicare Advantage Plans
    Power County, ID Medicare Advantage Plans
    Shoshone County, ID Medicare Advantage Plans
    Teton County, ID Medicare Advantage Plans
    Twin Falls County, ID Medicare Advantage Plans
    Valley County, ID Medicare Advantage Plans
    Washington County, ID Medicare Advantage Plans
    Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

    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. 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!

    Find Plans in your area with your ZIP Code

    Next Steps

    If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

    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 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

    For details on how we research, analyze, and construct plan information for Idaho using CMS data, see our Medicare Plan Research Methodology.

    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.

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    [1]Affiliate and Sales Agent Disclosure

    Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

    Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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