Last Updated on
October 6, 2016
Medicare Advantage (Medicare Part C) lets you receive your Medicare benefits from a private insurance company approved by Medicare rather than from the government-administered Original Medicare, Part A and Part B. If you’re a Medicare beneficiary living in the state of Idaho, you may have the option of enrolling in a Medicare Advantage plan. Plan availability may vary across the state.
Under Medicare Advantage in Idaho, as in all states, plan beneficiaries receive at least the same medical and hospitalization benefits as they would under Original Medicare, Part A (hospital coverage) and Part B (medical coverage), as required by the United States government. In addition, some Medicare Advantage plans offer extra benefits not available under Original Medicare.
To qualify for a Medicare Advantage plan in Idaho, you must already be enrolled or be eligible to enroll in Original Medicare, Part A and Part B, and you must live within the plan’s service area. In most cases, you can’t have end-stage renal disease.
You can sign up for Medicare Advantage during your Initial Coverage Election Period (ICEP).
Another chance to enroll in a Medicare Advantage plan is during the Annual Election Period, also referred to as the fall Open Enrollment Period, which runs from October 15 to December 7. Your new coverage goes into effect on January 1 of the following year.
You may also be able to enroll in, or switch, Medicare Advantage plans during Special Enrollment Periods, under certain circumstances. Those situations include, but aren’t limited to, losing your current employer-sponsored group health coverage, moving out of your plan’s service area, qualifying for other coverage, or experiencing changes in your current plan that affect your health benefits.
You can leave your Medicare Advantage plan and switch back to Original Medicare, Part A and Part B, during the Medicare Advantage Disenrollment Period, which runs from January 1 to February 14 each year. You can add stand-alone Medicare Part D prescription drug coverage during that time.
If you decide to sign up for private Medicare approved health insurance, you may have a number of Medicare Advantage plans from which to choose. Here’s a look at the main types of Medicare Advantage plans.
As a Medicare beneficiary in Idaho, you may find it useful to compare all the Medicare Advantage plans available in your area.
The availability and cost of Medicare Advantage plans can vary depending on your area of residence. You may find that some Medicare Advantage plans in Idaho offer premiums as low as $0, but always keep in mind that you must continue paying your Medicare Part B premium, no matter which Medicare Advantage plan you choose, to retain your Medicare insurance coverage.
Some Medicare Advantage plans may offer additional benefits beyond what is included in Original Medicare, Part A and Part B, such as routine dental, vision or prescription drug coverage. When you are evaluating your Medicare coverage options, you may want to take into consideration whether some of the additional benefits that may be available from Medicare Advantage and Medicare Advantage Prescription Drug plans are of value to you. With all these options that may be available in Idaho, you can see why it’s a good idea to review and compare each plan to find one that offers benefits and costs suited to your personal health and financial needs.
If you want to start comparing Medicare Advantage plans in Idaho right away, enter your zip code in the eHealth plan finder located on this page for a customized list of plans available in your area. You can also enter your prescription drug needs to further customize your search and cost estimates.
For more information about Medicare in Idaho, access the following resources:
* Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.