Help with Idaho Medicare insurance
We help you find the Idaho Medicare insurance plan that meets your needs and budget.
If you prefer a broker that specializes in Medicare, has been helping people like yourself for over 10 years, are licensed with most of the Medicare Advantage (Part C), Prescription Drug, and all of the Medicare Supplement (Medigap) plans, you came to the right place.
We help new Idaho residents no matter which of Idaho’s 44 Counties to move to.
If you are new to Medicare or already have a Medicare Advantage or a prescription plan and are planning to move to or recently arrived in Idaho, you have some Medicare imposed timelines to select your Idaho equivalents.
If you are already enrolled in a Medigap plan, be aware Idaho uses ‘Community Rating’ AND has a birthday window. This means you can change insurance companies and get the same plan (or a less comprehensive plan) WITHOUT GOING THROUGH UNDERWRITING. Why would you do this? To get the same plan with the same coverage at a lower monthly premium.
Learn more about Idaho Medicare Supplement plans here.
Do you want access to the top hospitals and physicians in the US?
If you want the flexibility to budget with confidence for your healthcare costs and have any doctor/hospital in the USA available to you (including such top-rated facilities as the Mayo Clinic), a Medigap plan is a good choice.
Learn more about the top 50 hospitals and which type of surgery they excel at by clicking here.
If you are moving to Idaho and have a Medicare Advantage plan
A County by County review of Idaho Medicare Advantage plans is available here.
Call us with your questions. We will help you understand plan differences and enroll in the plan you choose.
An overview of the recent changes in the Idaho Medicare Advantage market.
Insurance companies offering Idaho Medicare Advantage plans have been going after each other’s market share since day one. This activity picked up in 2018. This is when Idaho’s population growth took off. This means more plans are available with lower monthly premiums, copays, and a ‘maximum out of pocket limit’. Some plans have ‘extra’ benefits that Medicare does not cover. The depth and value of these ‘extras’ can vary between plans.
In our opinion, the Idaho plans are not comparable to the plans available in the largest population Counties in the US….like Los Angeles County. What does this mean? If you are moving from a large population County (like Los Angeles County), you may be paying far less for your plan covered services than you fill find in Idaho Medicare Advantage plans. Call us if you have questions about this.
Be aware some lower population Idaho Counties have no or few Medicare Advantage plans.
Idaho’s largest population Counties have multiple plans available (over 15 non Medicaid centric plans) with larger provider networks. These Counties include Ada, Canyon, Twin Falls, Bonneville, Bannock, and Kootenai.
2025 saw two companies leave the Idaho Medicare Advantage market, one company canceled most of their plans (introduce fewer new replacement plans for 2026), and some of the remaining companies cut back on the either the number of plans they offered or the Counties where they offered them.
Most Idaho’s counties have fewer ‘non-Medicaid centric plans’ available. Reading a plans key documents (Evidence of Coverage and the provider directory in particular) is important before selecting a specific plan.
You need to include Medigap plan G Hi-deductible on your ‘short list of plans to consider’.
Why? Medigap plans F and G hi-deductible have a feature like the ‘maximum out of pocket limit’ found in Medicare Advantage plans. The hi-deductible Medigap plans start paying 100% of the leftover Part A and B costs after the plan’s ‘deductible’ has been paid. This ‘deductible’ is a Medicare controlled figure and can change annually. The 2026 figure is less than $3,000. This is typically less than 50% of most Idaho Medicare Advantage plan’s ‘maximum out of pocket limit’.
What does this mean to you?
More money in your pocketbook (if you have a busy year using Medicare covered health care services);
these plans have a noticeably lower monthly premium than the more comprehensive coverage plans like Plan F, G, and N;
have access to all physicians/hospitals/other providers which ‘accept Medicare insurance’ are available to you;
and you and your physician make the decision on your health care; this means you do not have an insurance company standing between you and your physician to approve their care plan;
do not need permission to see a specialist.
If you want flexibility to use the doctors and hospitals you prefer AND want a reasonable ‘cap’ on your share of health care costs, this plan is for you.
We can help you think this through.
If you had a Medicare Advantage plan when you moved to Idaho, you are entitled to enroll in a Medigap plan without going through underwriting.
The most comprehensive Medigap plans are Plan F, G and N. They pay all/most of your leftover costs that Medicare does not completely cover. Learn more about Idaho Medigap plans and carrier differences here.
Read pages 1 – 25 of the document found here if you need a refresh on Medigap plans.
The chart on page 7 helps you understand the differences between the different Medigap plans.
Idaho also implemented the birthday rule for people already enrolled in a Medigap plan.
This change in Idaho law is a blessing to Idaho residents already enrolled in a Medigap plan. You can change Medigap insurance companies and get the same plan without going through underwriting. You would do this to lower your monthly premium.
Were you already enrolled in a Medigap plan when you moved to Idaho?
There is a good chance you can get the same plan you presently have with a meaningfully lower monthly premium. For example, if you are paying more than $270 for a Plan F, $230 for a Plan G, or $165 for a Plan N you are paying too much. These products cover the same leftover costs which Medicare Part A and B do not cover.
Call us as we are licensed with all plans and can guide you through the process of switching plans.
Our help with your Idaho Medicare insurance includes your Prescription Drug Plan.
Idaho has 10 prescription drug plans available to people staying with Original Medicare.
After you move to Idaho, you have 63-days to enroll in a prescription drug that is available to Idaho residents. We can help you with understanding your options. Call us if you want help with this task.
If you are entitled to Medicaid.
Before you move to Idaho, please contact the Idaho Department of Health and Welfare to learn about your options. The information found here will be helpful.
If you want help with Idaho Medicare insurance, call us.
We are here to help.
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