Skip to main content
We Help You Get Medicare Insurance That Meets Your Needs and Budget.

Should I Change Medigap Policies?

Idaho residents can change Medigap policies annually without underwriting!

Of course there are rules you need to be aware of.  

These are documented on the Idaho Department of Insurances website (here).  

Why would you want to do this? 

Because your current plan is available from another company at a meaningfully lower monthly premium. 

Also, if there is a different plan that better suits your needs and budget, you may be make the change and skip underwriting too (see the rules mentioned above). 

With Idaho’s move to ‘community rating’ and also implementing the ‘birthday rule’, this process is now much easier. 

It is so easy, we recommend this be reviewed annually.  Why?  The premium savings can be meaningful.  We have found changing your Medigap policy is much easier than changing your auto and home owners insurance.

This is possible because each plan (A, B, C, D, F, G, K, L, M, and N) is exactly the same no mater which company offers the plan.  Yes, some companies may add additional non-Medicare covered services (gym membership for example) or offer discounts on other services through their business partners.  

If you can get you same plan from a different company at a meaningful lower premium, aren’t the savings better in your pocket than an insurance company’s bank account?  

Should I change Medigap policies annually?

We recommend this be considered. 

Why? 

Because of the Idaho marketplace changes annually. 

New companies offering these products can enter the Idaho market while others leave.   

Existing companies can also request (and receive) annual premium increases.  The amount of annual premium increases varies between companies.  For example, in 2024 some Idaho companies had increases in the 10 – 20% range.  A few were in the 6 – 9% range.   

We will have a good appreciation for how 2026 will fare soon as 8 of the 21 current companies will/have announced their 2026 premium increases in the 1st quarter.  Another 8 will do so in the 2nd quarter of this year. 

Why the larger than normal increases? 

The ratio of claims to premium income is a key factor when determining annual premium increases.  Claims continue to be higher the last few years. 

Why?  Hospital utilization rates are up.  Another is more people new to Medicare deferred the more expensive health care services because their out of pocket costs are cheaper with Medicare.  

With the Idaho law changes implemented on 3/1/2022, you now have the ability to move from one company to another and get the same plan without going through underwriting.

How does the Birthday Rule affect your right to change Medigap policies?

To take full advantage of this Idaho law change, you should change Medigap policies during the 63-day window that starts with your birthday.  If you do this any other time during the year, you will have to answer the underwriting questions on the company’s application.  Your application could be denied depending on your answers to these questions. 

Some examples of how you may benefit if you change Medigap policies

  1. You recently moved to Idaho and are already enrolled in a Medigap Plan.  Idaho premiums could be lower.   
  2. You presently have a Medigap Plan F and have been considering switching to Plan G.   Be aware the only difference between is Plan G does not cover the annual Part B deductible.  This year’s Part B deductible figure is found here.  This figure can change annually and is controlled by Medicare.  The reason some people switch from Plan F to Plan G is the difference between the monthly premiums  between the 2 plans.  This difference, when annualized, is greater than the annual Part B deductible.  This means Plan G offers a better value than Plan F.   If you need an update on Plan G, read this information and return to this page when done.
  3. Medigap plan N is available for less than Plan G from a quality company.  This plan has a few more copays than Plan G, but the monthly premium can be lower.  This is worth checking into.  
  4. You are currently enrolled in Medigap Plan C or D and you have experienced many years of annual rate increases.  It may make sense to consider a Plan N and pay some out of pocket costs when you see the doctor or visit the ER.  You can do this without going through underwriting.  If you can get through underwriting, it may make sense to consider a Plan G. 
  5. You presently are enrolled in one of the older Medigap plans (H, I, J, J-hi deductible) and want to move to one of the current plans.  
  6. The ‘hi-deductible’ Medigap plans may be an attractive alternative to many people.   If you have savings earmarked for health care costs, this may be a good alternative. This plan caps your out-of-pocket costs for Part A and B services at $2,950 for 2026. 

Additional examples when you change Medigap policies

  1. You are enrolled in Medigap Plan K or L and realize you are better off with one of the hi-deductible plans or even Plan N or G.  If you can answer ‘no’ to the underwriting questions on a company’s applications, make the switch now.    
  2. You are enrolled in Medigap Plan M and realize you are better off with a Plan N.  You can do this without going thru underwriting if you change during your birthday window. 
  3. A select few companies include a gym membership in their plan(s).  If this feature is important to you, switch to a company that includes this benefit may make economic sense.  We recommend you be aware of all companies offering this feature before changing.  Why?  Because there is a noticeable difference in monthly premiums between companies including this feature. 
  4. The company you are presently with announced another annual rate increase that caught your attention.  Now is time to evaluate your options.  Keep in mind when you change companies, your new rate should not change for the 12 month period following the new policy effective date.  Think about this point.  This approach is important  if you want to effectively manage your Medicare health care cost.    
  5. You may see some companies offering a ‘multiple household discount’.  This means more than one person within the household has a Medigap plan with the same company.  We recommend you always compare the ‘net premium’ to the premium of other companies offering the same plan.  We have found other companies are offering the same plan at lower rates even after a household discount is considered.  Don’t ‘buy the headline’…always check the math.    

If I change Medigap policies what about customer service?  Are these other companies reliable?  

This is a question we often hear and is a natural concern.  A survey conducted and published on 4/20/20 noted 94% of people with a Medigap plan are satisfied with their plan.  Please take a moment and read the article found here

We often see companies attempting to use customer service as a differentiator between your choices.  They do this without mentioning the national average rating of all policy holders enrolled in a Medigap plan.  We feel comfortable with customer service of the companies we recommend. 

A process for evaluating insurance companies offering Medigap plans in Idaho

Below are the criteria we use to eliminate companies from our recommend list.

AM Best rating less than A-. There are some exceptions to this guideline.  For example, if a company had a B+ rating for many years and continues to be successful/profitable in their line(s) of business we may consider them.

Has a Medical Loss Ratio more than 2 points above the national average for the past year.  We also look the annual change in this ratio.  It it has gone up 3 points or more year over year, it could be a ‘red’ flag.  

Have less than 10,000 policies in force.  If this is a national company marketing their products in multiple states, this can be an indicator of a lack of commitment to the Medigap line of business. 

      Have been in the Medigap insurance business less than 4 years.  If the company is a subsidiary of another company that has been successful in the Medigap business for many years we may waive this consideration.  Why?  Because the parent company is typically running the Medigap business for the subsidiary.  The parent company’s goal of adding their subsidiary in the same market (like Idaho) is simply to get more business.    

Should an Idaho resident use a broker to help them change Medigap policies?

If Idaho residents wish to select and enroll in a Medigap policy on their own they can certainly do so.  The information outlined above will help them navigate their way through the process.  

If Idaho resident works with a broker that specializes in Medigap plans, much of this annual burden can be eliminated.  Their broker should contact you 30-days before your birthday and review your options.  If you choose to make a change, they can help you get this done.   They will also help you review your prescription drug plan annually.     

Brokers are compensated by the insurance company when their client enrolls in a plan. This is how the broker covers their overhead and can continue to provide this service.  The person the broker is working with pays the same monthly premium whether they use a broker or not.  

How does underwriting work if I change Medigap policies outside of my birthday window?

Every company’s Medigap application has a section of underwriting questions.  If the person applying for a Medigap plan is not in their one-time open enrollment period, birthday window, or have a ‘guaranteed issue’ they answer these questions.  The company can deny the application based on the answer to these questions.  Be aware each company can have their own questions.  Most all companies have the same core questions, but even these may vary.  If an applicant is denied enrollment by one company, a different company may not ask the question(s) causing the denial.  A broker can help with this.

Some companies have automated the underwriting process while others may require a telephone interview.  

More information on the Idaho Law change that made this possible

The Idaho Department of Insurance did a great job of putting together a list of ‘frequently asked questions’ on this subject.  Be sure and read this as they add more clarity to this important change.  They are available here

 Call us if you are a resident of Idaho (or planning on moving here within 6-months)and want to change Medigap policies

We are located in Boise have been helping Idaho residents in all 44 Counties with Medigap plans since 2012.  We are not here to sell you a Medigap plan.  Rather we educate the people we work with so they can make the decision about specific plans and the company that is right for them.  We help them enroll in the plan with the company they pick.  

If you choose to use our services, we ask you to complete enrollment in your new plan with us. Our services are no cost to you.  

This page was last modified on Jan 15, 2026 @ 7:34 AM

 

Medigap Plan C

Medigap Plan C – is on our ‘proceed with caution’ list

We recommend Idaho residents avoid Medigap Plan C.
We recommend Idaho residents know the rules regarding Medigap Plan C. Read more to learn why.

Is your Medicare Part A and B effective date 1/1/2020 or later?

Medigap Plan C and F are not available for people new to Medicare on/after January 1, 2020.

Why?  Because both cover the annual Part B deductible and the ‘Affordable Care Act’ included this change in its language.  Plan G offers similar coverage as C and F; however, it does not cover the Part B annual deductible.

If your Part A and B effective date (on your Medicare card) is 1/1/2020 or later you can no longer enroll in either of these 2 Medigap plans.  This federal law change was made in 2015.

What should you do?  Consider Medigap Plan G.  Learn more here.

Is your Part A or B effective date prior to 1/1/2020?

If yes, please review the enrollment guidelines for Medigap plans in this document.

If you want help understanding this information, call us.

 

Other important information about Medigap Plan C.

Monthly Premiums for Idaho Medigap Plan C vary noticeably between the companies offering this plan.

Check current monthly premiums for Medigap Plan C (and Plan G plus the rest of the Medigap plans) here.

Notice the monthly premium difference between Medigap Plan C and Plan G.  When you annualize these rates the Plan G annual premium is still less than the Plan C annual premium.  This is why many people favor Plan G over Plan C.  You get similar coverage for a lower annual out of pocket cost.

Insurance Companies with the lowest monthly premiums

We have always been cautious about recommending an insurance company with the lowest monthly premium for any Medigap plan.  The Federal Government published a report about Medigap premiums and what the characteristics of ‘outliers’ are (companies with above normal increases in monthly premiums).  If you have an interest in learning about these findings, please read this information.

Annual Medigap Plan C Rate changes

Personnel in the Idaho Department of Insurance review each company’s financials before approving any annual rate increase request.  Applications for a specific rate increases can be denied if the financials do not justify the request.

Your initial monthly premium will not change for 12-months. Be aware if the company you choose has their annual rate increase during your initial 12 month rate guarantee period, you will feel the effect of the interim rate increase on day 1 of your 13th month you are with that company.

Who are the top-rated Insurance companies offering Medigap Plan C?

Financial ratings and the trends of these ratings (going up or down) are monitored by financial rating firms.  This is one of the factors we use to add companies to our ‘recommend list’.

Medical loss ratios change from year to year too.  These change both at the state and national level (national level includes all states the company offers Medigap plans).  If a specific company’s ratio is 3 points above the national average for all companies offering Medigap policies (prior year’s figure) or goes up noticeably when compared to last year, a ‘red flag’ goes up.  We keep track of this information.  This is the 2nd of 8 factors we use to rate companies.

If you want help selecting an insurance company for your Plan C (or any of the other Medigap plans), call us.  We will help you with this and enrollment in the company you choose.

 We encourage Idaho residents to avoid these Medigap Plans

Medigap Plan KMedigap Plan L, and Medigap Plan M are NOT on our list of ‘Medigap plans Idaho residents should consider’ because of their low levels of national enrollment.  Total Idaho membership in plans K, L, and M is less than 2% of all Idaho Medigap enrollees.  Nationally, these three plans had similar enrollment numbers.  We encourage Idaho residents to consider Plan N, G, or the hi-deductiable plans.

Should you get your prescription drug plan and your Medigap plan from the same company?

It is easy to say yes to this question.  However, there is a process for selecting a prescription drug plan and we encourage you to consider the points below before you agree to enroll in any plan.

These are:

if the plan covers all of the medications you take;

the plan’s Medicare star rating (learn more here); we do not recommend plans whose star rating is below 3 and prefer plans with at least a 3.5 star rating;

which pharmacies in the plan’s network offer the lowest fill/refill rates (pay attention to this);

if the plan offers a mail order pharmacy whose 90-day refill rates are lower than you going to the counter to get refills;

consider the 3 plans with the lowest annual out of pocket cost for the med’s you take and meet the above criteria; we encourage you to do this annually because insurance companies can and do change their plan details annually.  These changes will affect your out of pocket cost.

We have noticed the annual cost for the same set of medications can vary by as much as 300% or more between prescription drug plans (PDP).

If you do not compare your annual cost for a PDP before enrolling in a plan, you open up yourself to paying more for your medications.

When you work with an independent agent that covers both Medigap and prescription drug plans, they should be able to help you find the insurance companies offering the lowest annual cost for the medications you take and have the pharmacies in their preferred network (they offer lower cost than ‘network pharmacies’) that are close to you.

If you want help selecting a prescription drug plan and are a resident of Idaho, call us.

Idaho residents interested in a Medigap Plan

Call us at (208)-867-0296 if you would like to learn more about Medicare Plan C coverage and benefits.

We are here to help.

This page was last modified on Jan 19, 2020 @ 6:25 PM

Medicare News

News That Helps Idaho Residents Stay Informed

The purpose of this article is to provide Idaho residents with one consolidated place to reference Medicare News and how it may help them make better decisions. Some of this material will not be found on the Medicare or CMS website and may be rotated off this site as its ‘information value’ decreases with time.

 

Title: “Breaking Down Why Medicare Part D Premiums Are Likely To Go Up”

Synopsis: ” Increases are expected to mainly affect stand-alone Part D plans, not the drug coverage offered as part of Medicare Advantage, the private sector alternative to original Medicare.

Policy experts say premiums are likely to go up for several reasons, including increased use of some higher-cost prescription drugs; a law that capped out-of-pocket spending for enrollees; and changes in a program aimed at stabilizing price increases that the Trump administration has continued but made less generous.

One thing is surer than ever, say many policy experts: Beneficiaries should not simply roll over their existing stand-alone Medicare drug plans.

“Everyone should shop plans in open enrollment,” said Stacie Dusetzina, a professor of health policy at Vanderbilt University Medical Center.”

Read this article here.

Date published: 8/15/2025

 

Title: “ Medicare Advantage plans are scaling back.” 

Synopsis:  “As enrollment in these plans, which are administered by private insurance companies, has ballooned, costs for providers have taken off. In response, Medicare Advantage (MA) plans have been making cuts to some benefits and even increasing deductibles.

“Nearly every Medicare Advantage insurer has either exited the business, such as Cigna, or is retrenching,” said Philip Moeller, a Medicare and Social Security expert who writes the Aging in America newsletter. “UnitedHealthcare is the largest, and its reappraisal could have the biggest impact. “

UnitedHealthcare said in its second quarter earnings call that it plans to drop Medicare Advantage plans that currently serve over 600,000 users, becoming the latest health insurer to announce a scaling back of this magnitude.

“We are seeing higher-than-expected medical cost increases, particularly in outpatient care,” Tim Noel, UnitedHealthcare CEO, said on the earnings call. “The American health system’s long-standing cost problem is accelerating.”

Humana, for example, expects a decline of roughly 550,000 Medicare Advantage members this year, largely driven by the decision to exit certain unprofitable plans and counties. Approximately 40% of those seniors, however, are likely to join other Humana MA plans.

What to expect.

Enrollees can anticipate higher out-of-pocket prescription co-pay costs in some plans and reductions or even the elimination of certain benefits.

You can research your options via the Medicare Plan Finder. Enter the drugs you take, and it will show you if they’re covered by the Advantage plan. When you look at the various plans available where you live, you’ll see annual estimates of the cost of that plan based on the drugs you’ve entered into the tool.

If you switch into traditional Medicare, you should qualify for a special enrollment period because your plan was terminated, which will allow you to get Medigap.

“Consumers should pay extra attention to how these things play out when costs and coverage features for 2026 are announced this fall,” Moeller said.”

Read this article here.

Date published: 8/9/2025

 

Title: MedPAC: Medicare Paid MA Plans $38 billion for Non-Medicare Services in 2024.

Synopsis: “Medicare allows MA plans to offer supplemental benefits with the intent they will make patients healthier or improve access to services, and the plans use them heavily to woo enrollees every year.

Those services included annual physical exams, spending allowance for over-the-counter items, acupuncture, a personal emergency response system, and remote-access technologies like an emergency response system and — in some plans — safety modifications for the home.

Last year, Medicare Advantage (MA) plans spent $38 billion on services traditional Medicare doesn’t pay for, such as gym memberships, meals, transportation, and dental care.

But a report presented to the Medicare Payment Advisory Commission (MedPAC) Thursday lamented the agency’s inability to evaluate the value of those services, to what extent beneficiaries actually used them, and with which companies the plans contract to provide them.

“Gaps in the data make it difficult for us to assess the value that supplemental benefits may provide to enrollees and to the program,” said Stuart Hammond, MPP, MPH, a MedPAC senior analyst.

Read this article here.

Date published: 7/29/2025

 

Title: “10,000 Daily Step Count Goal Debunked by Huge Study”.

Synopsis: “Based on a meta-analysis of studies published since 2014, increasing daily step counts above 2,000 was associated with a risk reduction, according to Ding (Melody) Ding, PhD, MPH, of the University of Sydney, and colleagues.

There was a significant reduction in risks of all-cause mortality, cardiovascular disease incidence, dementia, and falls in people logging more steps; these outcomes were best around 5,000 to 7,000 steps per day, with no extra benefit beyond that range. Meanwhile, more steps consistently tracked with reduced cardiovascular disease mortality, cancer incidence, cancer mortality, type 2 diabetes incidence, and depressive symptoms.”

Read this article here.

 

Title: “No let up in sight. Medical cost trend set to grow at 8.5%. Is your playbook ready?

Synopsis: “For the fourth year, health plan actuaries surveyed annually told us they anticipate medical cost trends for the Group and Individual markets to remain elevated. Based on their input, we’re projecting the medical cost trend in 2026 to remain at 8.5% for the Group market and 7.5% for the Individual market, the same levels as 2025. Pharmacy cost trend was 2.5 points higher than medical trend, reinforcing the urgency of managing pharma care. We’re also restating Group and Individual trends for 2024 and 2025, as all are higher than previously projected.”

Read this article here.

Date:  7/23/2025

Title: “CMS Finds 2.8 Million Americans Potentially Enrolled in Two or More Medicaid/ACA Exchange Plans“.

Synopsis: “Over the past several months, software engineers collaborated with CMS to examine historical program enrollment data and found that in 2024 an average of 1.2 million Americans each month were enrolled in Medicaid/CHIP in two or more states and an average of 1.6 million Americans each month were enrolled in both Medicaid/CHIP and a subsidized Exchange plan.”

Read this article here.

Title: “CMS under Dr. Oz: 12 key actions”.

Synopsis: “CMS Administrator Mehmet Oz, MD, is charting an ambitious path to reshape federal healthcare policy in line with President Donald Trump’s “Make America Healthy Again” agenda.

“From plans to close a Medicaid funding “loophole” to probing hospitals over gender care for minors and clamping down on states using federal Medicaid funds to treat undocumented migrants, here are 12 key actions CMS has taken since Dr. Oz was confirmed as administrator:”

Read this article here.

 

Title: “Social Security Applauds Passage of Legislation Providing Historic Tax Relief for Seniors”

Synopsis: “The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits, providing meaningful and immediate relief to seniors who have spent a lifetime contributing to our nation’s economy.”

Read this article here.

 

Title: “CMS Launches New Model to Target Wasteful, Inappropriate Services in Original Medicare.

Synopsis: “CMS is committed to crushing fraud, waste, and abuse, and the WISeR Model will help root out waste in Original Medicare,” said CMS Administrator Dr. Mehmet Oz. “Combining the speed of technology and the experienced clinicians, this new model helps bring Medicare into the 21st century by testing a streamlined prior authorization process, while protecting Medicare beneficiaries from being given unnecessary and often costly procedures.”

Read this article here.

Date:  6/29/2025

Title: “DOJ sues major insurers, brokers over alleged Medicare Advantage kickbacks”.

Synopsis: “““Brokers repeatedly directed Medicare beneficiaries to the plans offered by insurers that paid them the most money, regardless of the quality or suitability of the insurers’ plans,” the complaint says. “They incentivized their agents to sell those plans; set up teams of agents who could sell only those plans; and at times ‘shut off,’ or refused to sell, plans of insurers who did not pay or did not pay enough in kickbacks. According to the lawsuit, one broker executive said about Aetna, for example, ‘more money will help drive more sales [be]cause your product is dog sh[*]t.’”

Read this article here.

Date:  5/6/2025

 

Title: “About 20% of patients who have a total knee arthroplasty are dissatisfied with the result, often due to residual pain.” 

Synopsis: “This type of medial pain can be misdiagnosed as tendonitis or pes anserine bursitis. But it often turns out to be an infrapatellar saphenous nerve neuroma that is causing pain,” says Glenn G. Shi, M.D., an orthopedic surgeon at Mayo Clinic in Jacksonville, Florida. “Patients who have a misdiagnosis might be sent to pain clinics or physical therapy with no reasonable outcomes. That leads to a lot of frustration for patients and orthopedic surgeons alike.”

“Mayo Clinic is investigating strategies to treat infrapatellar saphenous nerve neuroma. One approach involves ultrasound-guided hydrodissection of the nerve from the adjacent interfascial planes, followed by a corticosteroid injection. A preliminary Mayo Clinic study found that this minimally invasive procedure significantly reduced medial knee pain for nine of 16 patients studied.

For patients whose pain persists after hydrodissection, Mayo Clinic is exploring options for surgical repair. “We are trying to use a less invasive incision to find the nerve end and place it in an area where it is protected from scar tissue,” Dr. Shi says. A prospective study is using a similar approach during total knee arthroplasty to prevent infrapatellar saphenous nerve neuroma from developing.

“This problem isn’t widely discussed among orthopedic surgeons, but it’s very impactful. Up to 3 million people are expected to have total knee arthroplasty by 2035,” Dr. Shi says. “Our goal is to bring attention to this problem, which we think contributes to patients’ dissatisfaction after total knee arthroplasty. A modified technique for the procedure can potentially avoid the development of neuroma and reduce pain.”

Read this article here. 

Date published: 4/29/2025

 

Title: “The Trump administration’s approach to Medicare Advantage so far: 5 things to know.”

Synopsis: “In April, CMS said plans can expect a payment increase of 5.06% in 2026. The increase is higher than the 3.32% plans received in 2024 and the 3.7% they received in 2023.

Here are five things to know about the Trump administration’s approach to Medicare Advantage so far, and how insurers are responding:

  1. The Trump administration’s final rate notice for 2026 keeps in place the three-year phase in of risk adjustment changes from the v24 to v28 model. Many payers have decried the model, saying it amounts to a pay cut for MA plans.
  2. UnitedHealth Group CEO Andrew Witty called the transition an “aggressive price cutting regime.” The insurer lowered its earnings guidance for 2025 based on challenges in its Medicare Advantage and Optum Health businesses.Still, Mr. Witty said UnitedHealth Group was “pleased” to see the increased rate notice for 2026.
  3. Centene CEO Sarah London told investors the new rates “better reflect the medical cost trend we’ve seen in MA over the last two years.”“There will still be gaps to close between rate and cost across certain geographies, but this step forward was important as we look to deliver value benefits to seniors and return our business to breakeven in 2027,” Ms. London said on an April 25 earnings call.
  4. CMS also published the final rule for Medicare Advantage and Part D plans in April. The agency included measures to streamline prior authorization and increase oversight of supplemental benefits. CMS did not move forward with the Biden administration’s proposal to cover GLP-1 drugs for weight loss under Medicare and did not finalize rules to place guardrails around how plans can use AI in prior authorization decisions.
  5. As part of the final rule, CMS rebranded the health equity index reward program. Beginning in 2027, the program will be called Excellent Health Outcomes for All. The change “better captures the goal of ensuring exceptional care for all enrollees,” the agency wrote in its 2026 final rate notice.”

Read this article here.

Date published: 4/29/2025

Title: “White House eyes 30% HHS budget cut: 11 things to know.” 

Synopsis: “The Trump administration is looking to cut the HHS budget by around one-third in an effort that would dramatically scale back federal health programs, The Washington Post reported April 16.

The new draft budget comes amid back-and-fourth regarding the recent dismissal of 10,000 HHS employees. In early April, HHS Secretary Robert F. Kennedy Jr. told CBS News that around 20% of affected employees might have their jobs reinstated.

Here are 11 things to know about the budget proposal:”

Read this article here. 

Date published: 4/21/2025

 

Title: “Cancer-related hospitalizations rise: 5 notes.

Synopsis: “The study, published April 18 in Nature Scientific Reports, analyzed National Inpatient Sample data between 2008 and 2019. They identified 371 million hospitalizations, 56 million of which were cancer-related.

Here are five findings:”

Read this article here. 

Date published: 4/17/2025

 

Title: “Will the Trump Administration Fast Track the Privatization of Medicare?”.

Synopsis: “According to MedPAC, an independent, non-partisan agency that advises Congress about Medicare payment, the federal government pays insurers 20% more for Medicare Advantage enrollees than it pays for similar people in traditional Medicare, at a cost of $84 billion in 2025. To put the $84 billion in context, that’s more than Medicare paid physicians under the physician fee schedule to treat traditional Medicare patients in 2024. The higher Medicare spending for Medicare Advantage enrollees results in $13 billion in higher Medicare Part B premiums paid by Medicare beneficiaries, including those who are not in Medicare Advantage.”

Read this article here. 

Date published: 3/15/2025

 

Title: “25 health systems file ‘opt-out’ antitrust lawsuit against Blue Cross Blue Shield.” 

Synopsis: “The lawsuit, filed March 4 in a federal court in Pennsylvania, comes after hospitals and other providers opted out of a $2.8 billion class-action settlement reached in October 2024 with BCBS. Physician groups, surgery centers and home health providers have also joined as plaintiffs in the new complaint.

The new lawsuit challenges the adequacy of the 2024 settlement, with hospitals arguing that BCBS’s anti-competitive practices are still happening and continue to harm providers financially. The plaintiffs, which include Temple University Health System, Penn Medicine, Geisinger Health, WellSpan Health, MedStar Health, and Northern Light Health, are seeking treble damages under federal antitrust law, meaning the court could award triple the amount of actual damages awarded to plaintiffs in the prior $2.8 billion settlement. The hospitals are also seeking injunctive relief to permanently ban BCBS companies from continuing their alleged collusive practices.” 

Read this article here. 

Date published: 3/6/2025

Title: “Mayo Arizona CEO details transformative $1.9B expansion.” 

Synopsis: The centerpiece of our transform portion is the creation of Mayo Clinic Platform, which is a collaboration of nearly half of the top 11 healthcare organizations in the world, across four continents, to create a distributed data network that has the depth, breadth and heterogeneity of data on patients across socioeconomic class; urban versus rural; racial, ethnic categories, to ensure we can create and validate the most effective AI models to help anyone.

The rules of the road are that any values-aligned solution developer can leverage Mayo Clinic Platform data to create and validate algorithms, as long as those algorithms are then available on the platform for any healthcare organization that wishes to be part of the platform to take in to benefit their patients. So, that Mayo Clinic Platform piece is to benefit all of healthcare and all of society.” 

Read this article here

Date published: 3/3/2025

 

Title: “DOJ probes UnitedHealth’s Medicare Advantage billing practices: WSJ”. 

Synopsis: The Journal has previously published reports on insurers’ Medicare Advantage billing strategies, including UnitedHealth’s efforts to optimize government payments by increasing members’ documented sickness scores. According to one report, sickness scores for UnitedHealth patients transitioning from traditional Medicare rose by 55% in their first year in Medicare Advantage, compared to a 30% industry average, leading to higher reimbursements.

DOJ attorneys have interviewed healthcare providers named in these reports as recently as Jan. 31, the  Journal noted, with interest in the software used by the insurer, diagnoses it promoted for employees to use with patients and incentive arrangements.

 

Read this article here

Date published: 2/22/2025

Title: “Rural hospitals’ financial pressures mount as Medicare Advantage grows: 12 things to know Rural hospitals’ financial pressures mount as Medicare Advantage grows: 12 things to know.” 

Synopsis: “6. Many seniors opt for MA plans due to supplemental benefits, such as vision and dental coverage, as well as cost-sharing protections. However, for rural hospitals, this shift has led to significant financial and operational challenges.

  1. Historically, traditional Medicare has reimbursed hospitals at rates below the cost of care, according to the AHA report, which found that MA plans pay even less, reimbursing rural hospitals at just 90.6% of traditional Medicare rates on average. For Medicare-dependent and low-volume hospitals, this rate drops to 85%, while critical access hospitals receive only 95% of their costs under MA plans.
  2. This payment disparity cost rural hospitals an estimated $1 billion in 2023 alone. Given that Medicare accounts for a larger share of rural hospital revenue than urban hospitals — 43% versus 37% — these lower rates have an outsized impact on rural providers.
  3. The AHA argues that the financial instability caused by MA policies is accelerating the closure and downsizing of rural hospitals. Over the past decade, more than 100 rural hospitals have closed or converted to other provider types. Additionally, 432 rural hospitals are at risk of closing, according to a Feb. 11 report from Chartis, a healthcare advisory services firm.”

Read this article here

Date published: 2/21/2025

 

Title: “The Idaho Department of Health & Welfare’s contracts with Blue Cross of Idaho for Idaho Medicaid Plus (IMPlus) and the Medicare-Medicaid Coordinated Plan (MMCP) will end on June 2, 2025.” 

Synopsis: “Dually eligible participants will have the choice to receive Medicaid coverage through Molina or fee-for-service Medicaid from June through December 2025. The Department of Administration’s Division of Purchasing issued an intent to award to United Healthcare and Molina for a service start date of January 1, 2026 for IMPlus and MMCP coverage to dually eligible participants..”

Read this article here

Date published: 2/18/2025

 

Title: “Moody’s: Negative outlook for payers in 2025 amid rising costs.” 

Synopsis: “Amid these challenges, Moody’s has assigned a positive outlook to only one major insurer, Elevance Health, reflecting its strong market position and operational performance. In contrast, Humana and Health Care Service Corp. have been given negative outlooks. Humana’s negative outlook is driven by its heavy reliance on Medicare Advantage. HCSC’s negative outlook reflects its exposure to Medicaid redeterminations and competitive pressures in its core commercial business.”

Read this article here

Date published: 2/3/2025

Title: “Republicans target $880B in healthcare cuts; hospitals push back.” 

Synopsis: “The budget resolution does not specify how the committee must cut costs by $880 billion, but Medicare and Medicaid are by far the largest programs under its oversight. The $880 billion makes up more than half of the $1.5 trillion total cost reductions Republican lawmakers aim to achieve over the 10-year period. ”

Read this article here

Date published: 2/12/2025

 

Title: “Recognizing the Highest Level of Quality Care: Healthgrades Unveils America’s Best Hospitals for 2025.” 

Synopsis: “Healthgrades’ clinically validated methodology focuses solely on what matters most–patient outcomes–empowering consumers to choose doctors who practice at high quality hospitals. To determine the top 250 U.S. hospitals, Healthgrades evaluated clinical performance for approximately 4,500 hospitals across more than 30 common procedures and conditions.

Read this article here

Date published: 2/10/2025

 

Title: “Drugmakers increase prices on 800 medications: 5 things to know.” 

Synopsis: “The analysis found that while most price increases remained under 10%, certain medications saw significant hikes. For example, Amgen raised the price of its psoriasis treatment, Otezla, by 7%, pushing its monthly cost to about $5,325. ”

Read this article here

Date published: 1/31/2025

Title: “Why NYU Langone is betting on molecular oncology.” 

Synopsis: “Cancer is typically identified pathologically, looking at the biopsy under the microscope. As we’ve made more and more fundamental discoveries in cancer biology, we now know that most of these cancers are really made up of many different subgroups of diseases that could be defined at a molecular level.

What molecular oncology is really designed for is to provide access to cutting-edge molecular profiling. We’re focusing on a type of technology called a liquid biopsy that allows patients to have the most accurate diagnosis, matches them to the most appropriate standard therapies and the most applicable clinical trial, when relevant.

It’s basically a blood test, similar to physicians ordering a normal complete blood count. We use deep sequencing methods to detect pieces of cancer DNA within the blood sample.

The test allows us to diagnose cancers quickly, determine the molecular subtype of the cancer and what specific treatments will target the cancer most effectively. The test can also detect cancer recurrence, often before it is seen on a CAT scan.”

Read this article here

Date published: 1/17/2025

 

Title: “Cancer burden shifts as incidence climbs: What to know.” 

Synopsis: “In 2025, an estimated 618,120 people will die from cancer in the U.S. The figure represents about 30% of the estimated 2,041,910 new cancer cases the U.S. is expected to see in 2025.

As the cancer mortality rate continues to  fall, incidence rates in the U.S. have increased at varying degrees across demographics and state lines, according to the American Cancer Society’s annual cancer statistics report published Jan. 16 in CA: A Cancer Journal for Clinicians.

Here are 10 key findings from the report:.

Read this article here

Date published: 1/17/2025

 

Title: “Customized implants for knee replacements.”

Synopsis: “The customized implants are designed for people who wish to remain active.”

“We use them in patients who want to do vigorous physical activity, such as tennis or downhill skiing. As with other knee prostheses, we don’t advise high-impact activities such as basketball or soccer afterward,” Dr. Clarke says.

Read this article here. 

Date published: 9/18/2018

 

Title: “Hospital Care, State by State”. 

Synopsis: “The sixth annual HealthGrades Hospital Quality in America Study shows the quality of healthcare at the nation’s hospitals varies greatly among states.

Researchers ranked each of the country’s nearly 5,000 hospitals on 26 common procedures and conditions and found better-performing hospitals tended to be in northern or sparsely populated states.

The quality chasm at American hospitals is real, and it is very alarming and concerning — despite evidence of process improvements,” says Samantha Collier, MD, HealthGrades’ vice president of medical affairs, in a news release.

Although there are exceptional hospitals in even the lowest-ranking states, researchers say that, on average, patients get better quality healthcare in the higher-ranking states.

For example, the report shows that a person has a 55% increased chance of dying if he or she had a balloon angioplasty or other similar heart procedure in Texas rather than in New York.

“In Mississippi, your chance of dying from a heart attack is 49% higher, on average, than if you were treated in Colorado,” says Collier.

Researchers say that the greatest differences at the state level were among certain heart procedures, such as balloon angioplasty, stenting, and others. For these procedures, New York was the best performing state and Alaska was the worst.

Read this article here

Date published: 1/7/2025

 

Title: “7 cancers linked to alcohol”. 

Synopsis: “Here are seven statistics to know from the surgeon general’s advisory:

  • 96,730: The estimated number of alcohol-related cancer cases in 2019.
  • 1 million: How many alcohol-related cancer cases have been preventable in the past decade.
  • 44,180: The estimated number of alcohol-related breast cancer cases in women in 2019, representing 16.4% of all breast cancer cases in women.
  • 741,300: The global burden of cancer cases related to alcohol use in 2020.
  • 185,100: How many of those worldwide cases were related to about two or fewer drinks per day.
  • 305,000: The annual total of years of potential life lost due to alcohol-related cancer deaths.
  • 2: The number of daily drinks that would cause cancer in 5 in 100 women and 3 in 100 men, according to the estimated cumulative absolute risk. .”

Read this article here

 

Title: “Molina Healthcare Awarded Dual Eligible Contracts”. 

Synopsis: “In Idaho, Molina’s health plan subsidiary, Molina Healthcare of Idaho, is set to administer the state’s Medicare Medicaid Coordinated Plan (MMCP) and Idaho Medicaid Plus Plan (IMPlus) for the dual eligible population. The initial term of these contracts is four years, with a potential one-year extension.

It is noteworthy that Molina Healthcare currently serves approximately 11,000 dual eligible members across Idaho.”

Read this article here

Date published: 1/4/2025

 

Title: “An unimaginable year for UnitedHealth”. 

Synopsis: “You see so much violence in hospitals and health systems often from people with behavioral health problems,” Scott Becker, founder and publisher of Becker’s Healthcaresaid. “But I have not seen this, and it reminds me of the labor disputes in the early 1900s, where corporate CEOs were targeted by labor in a very aggressive way as those wars between unions and companies got very ugly. It’s been a long time since we’ve seen this type of activism and level of hostility. It’s a sad, sad situation.

Read this article here

Date published: 1/4/2025

 

Title: “32 health systems dropping Medicare Advantage plans | 2024”. 

Synopsis: “Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers.

Data on this topic is limited. In January, the Healthcare Financial Management Association and Eliciting Insights released a survey of 135 health system CFOs, which found that 16% of systems are planning to stop accepting one or more MA plans in the next two years. Another 45% said they are considering the same but have not made a final decision. The report also found that 62% of CFOs believe collecting from MA is “significantly more difficult” than it was two years ago.”

Read this article here

Date published: 12/29/2024

 

Title: “BCBS antitrust settlement provider website goes live”.

Synopsis: “A website containing information for provider class settlement members in Blue Cross Blue Shield antitrust litigation has launched.

The website was launched after the Blue Cross Blue Shield Association, along with the 33 independent BCBS companies, agreed to pay $2.8 billion to settle antitrust claims from healthcare providers, marking the largest settlement of its kind in the healthcare industry. The settlement was reached in October. An Alabama court granted the agreement preliminary approval on Dec. 4.

The settlement class includes providers who currently provide or provided healthcare services, equipment or supplies to any patient who was insured by, or was a member or a beneficiary of, any plan administered by any settling individual Blues plan from July 24, 2008 to Oct. 4, 2024, according to the website.

The deadline to submit a claim is July 29, 2025..”

Read this article here

Date published: 12/23/2024

 

Title: “Mark Cuban’s 2025 plans”. 

Synopsis: “Nearly three years after its launch, Mark Cuban Cost Plus Drug Co. now manufactures injectables in shortage, works with thousands of healthcare facilities, including pharmacies, hospitals, long-term care sites and clinics, and offers more than 2,000 discounted generics and about a dozen branded medicines.

With its model of selling medicines at cost plus a 15% markup and $10 for shipping and pharmacy labor, several large pharmaceutical companies — including CVS and Express Scripts — have followed Cost Plus Drugs’ example.

In August, Mr. Cuban said Cost Plus Drugs would soon publish its own contracts to offer more transparency in an infamously opaque $4.3 trillion industry. He has also said the pharmaceutical industry has been his easiest industry to disrupt. As of June, the company was operating in a deficit.

The industry, on the care and pharmacy sides, have seen power consolidated in a few players. This is finally the year that can change. It is possible to align the incentives of providers, tax payers and patients, and I think we will finally see that start to happen.”

Read this article here

Date published: 12/23/2024

 

Title: “Physicians slam Congress for failure to offset Medicare pay cuts”. 

Synopsis: “Congress has signed a pared-down funding bill to prevent a government shutdown but failed to pass measures in a previously proposed bipartisan package that would have offset the 2.83% Medicare pay cut physicians face in 2025.

“The previously agreed-upon [continuing resolution], while not perfect, would have critically averted most of the 2.83% cut to physician reimbursement in Medicare beginning January 1,”

Anders Gilberg, senior vice president of government affairs, said in a statement. “Now physician practices head into the new year facing uncertainty and financial shortfalls that not only negatively impact the viability of their Medicare business, but their commercial contracts tied to Medicare rates, as well as Medicaid reimbursement in states that use Medicare as a benchmark.”

Physicians’ Medicare pay rates have dropped 33% over 20 years, and Congress has ignored inflation adjustments, prior authorization reforms and rising care costs, according to the American Medical Association. ”

Read this article here

Date published: 12/23/2024

 

 

Title: “Higher Utilization, Regulatory Challenges Pressure Medicare Advantage Segment, prompting Some Carriers to Exit Market”. 

Synopsis: “A contributing factor to the recent announcements of market exits by some participants include the Inflation Reduction Act of 2022 (IRA), which takes effect in 2025 and includes several provisions aimed at lowering prescription drug expenses for Medicare Part D beneficiaries, shifting a larger share of costs to insurers and drug manufacturers. A separate stabilization demonstration program was enacted earlier this year to support implementation of the redesigned Part D benefit by subsidizing the anticipated premium and cost increases; however, this is available to Medicare Part D-only insurers and does not apply to MA plans that include Part D. Another factor pressuring MA plans are the recent changes in the risk adjustment score calculation that are being phased in over three years starting with 2024; the new calculation drives down the score leading to lower reimbursement rates per member.”

Read this article here

Date published: 11/7/2024

 

Title: “Why you should consider Proton Therapy for cancer treatment.” 

Synopsis: “Proton therapy, or proton beam therapy, is a type of radiation treatment that uses a beam of protons to deliver radiation directly to the tumor.

Imagine a 196-ton, cancer-killing machine that can target a patient’s tumor with a sub-millimeter precision while sparing nearby healthy tissues and minimizing side effects. In its most simple terms, that’s proton therapy.

Pencil beam technology and IMPT build on the benefits of proton therapy. With a proton beam just millimeters wide, these advanced forms of proton therapy combine precision and effectiveness, offering unmatched ability to treat a patient’s tumor and minimizing the effect on a patient’s quality of life – during and after treatment. They rely on complex treatment planning systems and an intricate number of magnets to aim a narrow proton beam and essentially “paint” a radiation dose layer by layer.

Pencil beam is very effective in treating the most complex tumors, like those in the prostatebraineye, and cancers in children, while leaving healthy tissue and other critical areas unharmed. IMPT is best used to deliver a potent and precise dose of protons to complex or concave-shaped tumors that may be adjacent to the spinal cord or embedded head and neck or skull base, including nasal and sinus cavities, oral cavity, salivary gland, tongue, tonsils, and larynx.”

Read this article here and here

Date published: 11/4/2024

 

Title: “BCBS reaches record antitrust settlement for $2.8B”. 

Synopsis: “The Blue Cross Blue Shield Association, along with the 33 independent BCBS companies, have agreed to pay $2.8 billion to settle antitrust claims from healthcare providers, marking the largest settlement of its kind in the healthcare industry.

In addition to the cash settlement, the plaintiffs stated in an Oct. 14 filing in Alabama federal court that BCBS plans must implement significant operational changes across 16 categories. These changes include how BCBS processes claims, communicates, contracts with, and makes payments to providers.

The new operational requirements are expected to alleviate administrative burdens and inefficiencies experienced by providers, according to the plaintiffs’ counsel. The settlement applies to providers who treated BCBS members between July 2008 and October 2024..”

Read this article here.  Read the comments section too.

Date published: 10/16/2024

 

Title: Early analysis: “How health plans fared in the 2025 Medicare Advantage star ratings.”

  • Synopsis: “This year, 62% of membership is attributed to a 4+ star plan, down from 79% the year prior. Notably, only 1.8% of membership is now in a 5 star plan, down from nearly 8% the prior year and 27% in 2022.
  • Enrollment in 5 star plans is now negligible. Only 1.8% of members are in this plan tier, down from its peak of 27% in 2022 and 8% in 2024.
  • Enrollment in plans with less than 3 stars remained steady at approximately 1%. This is important because plans that score below this threshold in consecutive years cannot market for additional membership or file for new applications or service area expansions (SAEs). They also could be terminated if they are low scoring for 3 years in a row.”

Read this article here.

Date published: 10/14/2024

 

Title: Senator promises ‘dramatic’ Medicare Advantage investigation.

Synopsis: “Anybody following our hearings and public comments knows our findings will be very dramatic and powerful,” Mr. Blumenthal said. “What we have found is, essentially, there is no advantage for people in Medicare Advantage, all too often.”

Read this article here.

Date published: 10/7/2024

 

Title: The Great Disruption Coming for Medicare Advantage.

Synopsis: Come mid-October, the Medicare Advantage program will enter its annual enrollment period, marked by significant changes for older adults.

Among these changes are increased government scrutiny, tighter CMS regulations, reduced base payments, and rising healthcare costs.

In response to these market shifts, MA carriers are prioritizing their margins over membership by reducing certain benefits and exiting unprofitable markets. As margins tighten and negotiations with providers become more strained, some health systems are choosing to no longer accept some or all MA plans. 

Read this article here.

Date published: 9/9/2024

 

Title: Feds Killed Plan to Curb Medicare Advantage Overbilling After Industry Opposition.”

Synopsis: The Justice Department alleged the giant health insurer cheated Medicare out of more than $2 billion by reviewing patients’ records to find additional diagnoses, adding revenue while ignoring overcharges that might reduce bills. The company “buried its head in the sand and did nothing but keep the money,” the DOJ said in a court filing.

Medicare pays health plans higher rates for sicker patients but requires that the plans bill only for conditions that are properly documented in a patient’s medical records.

In a court filing, UnitedHealth Group denied wrongdoing and argued it shouldn’t be penalized for “failing to follow a rule that CMS considered a decade ago but declined to adopt.” 

Read this article here.

Date published: 9/6/2024

 

Title: Medicare Advantage: How Robust Are Plans’ Physician Networks?

Synopsis: For people on Medicare, one of the biggest trade-offs between Medicare Advantage and traditional Medicare is that Medicare Advantage plans have a more limited network of doctors and other providers. Medicare Advantage plans restrict the doctors, hospitals, and other providers from whom their enrollees can receive care, while traditional Medicare allows people to see any provider that accepts Medicare (overwhelming majority of providers). Seniors value having the ability to choose their own doctors as well as keep their existing doctors, and say that the doctors in the network are an important factor in their plan selections.1

Although Medicare Advantage enrollment is rising rapidly, with one in three beneficiaries now in a Medicare Advantage plan, relatively little is known about Medicare Advantage plans’ provider networks.2 The Centers for Medicare and Medicaid Services (CMS) requires Medicare Advantage plans to include a specified number of physicians for each of the 26 specialties, along with hospitals, and other providers within a particular driving time and distance of enrollees;3 however, little information is available about the extent to which plans go beyond these basic requirements. A prior analysis showed that Medicare Advantage hospital networks vary greatly in size and composition.4 The size and composition of a plan’s physician network can have important implications for Medicare Advantage enrollees, including whether or not they can see a given physician (for HMO enrollees) or how much more they would need to pay for out-of-network care (for PPO enrollees).

When forming their networks, insurers may choose to contract with some but not all physicians for a variety of reasons. For example, the insurer may want to have greater control over the cost or quality of care provided by a physician or they may prefer to limit the number of physicians included in their network for other reasons. Curating and restricting their provider networks may also allow insurers to improve the coordination and efficiency of care for their enrollees.

At the same time, physicians may or may not want to be a part of a Medicare Advantage network. They may not want the extra paperwork and time that may come with accepting another insurer, may not want additional patients, or may have concerns with a plan’s payment rates or other terms of a given plan’s contract.

This report is the first known study to examine the size and composition of Medicare Advantage plans’ networks, focusing on physicians. This analysis draws upon data from 391 plans, offered by 55 insurers, in 20 counties, accounting for 14 percent of all Medicare Advantage enrollees nationwide in 2015. The report analyzes the size of provider networks across and within the 20 counties, overall and by specialty, and looks at the relationship between network size and other plan features, including plan types, premiums, star ratings, and insurers. We defined Medicare Advantage networks as broad if they included 70 percent or more of the physicians in a county, medium if they included between 30 and 69 percent of the physicians in a county, and narrow if they included less than 30 percent of the physicians in a county.

Growing evidence indicates that many plans do not maintain accurate directories.5 For example, in an investigation, CMS found that the directories had many errors and 45 percent of the doctors listed had incorrect information in plans’ directories.6 Unlike CMS, we do not assess the accuracy of the directories, nor do we assess whether the physicians in the directories actually accept the insurance.

 

Read this article here.

Date published: 9/6/2024

 

Title: Income and Assets of Medicare Beneficiaries in 2023

Synopsis: This analysis highlights that most Medicare beneficiaries live on relatively low incomes and have modest financial resources to draw upon in retirement if they need to cover costly medical care or long-term services and supports, with notable disparities by age, race and ethnicity, and gender. For example:

  • One in four Medicare beneficiaries lived on incomes below $21,000 per person in 2023, while half lived on incomes below $36,000 per person. Median income declined with age among older adults, was lower for women than men, and lower for Black and Hispanic than White beneficiaries.
  • One in four Medicare beneficiaries had savings below $16,950 per person in 2023, while half had savings below $103,800 per person. As with income, median savings declined with age among those ages 65 and older, were lower for women than men, and were substantially lower for Black ($22,100) and Hispanic ($20,050) than White ($158,950) beneficiaries.
  • One in four Medicare beneficiaries had no home equity at all in 2023, while half of all Medicare beneficiaries had home equity below $124,450 per person.
  • More than one in five Black and Hispanic beneficiaries had no savings or were in debt, compared to fewer than one in ten White beneficiaries. Nearly half of all Black and Hispanic beneficiaries had no home equity, compared to one in five White beneficiaries.

 

Read this article here.

Date published: 9/6/2024

Title: Explaining the Prescription Drug Provisions in the Inflation Reduction Act

Synopsis: The prescription drug provisions included in the Inflation Reduction Act will:

  • Require the federal government to negotiate prices for some drugs covered under Medicare Part B and Part D with the highest total spending, beginning in 2026
  • Require drug companies to pay rebates to Medicare if prices rise faster than inflation for drugs used by Medicare beneficiaries, beginning in 2023
  • Cap out-of-pocket spending for Medicare Part D enrollees and make other Part D benefit design changes, beginning in 2024
  • Limit monthly cost sharing for insulin to $35 for people with Medicare, beginning in 2023
  • Eliminate cost sharing for adult vaccines covered under Medicare Part D and improve access to adult vaccines in Medicaid and CHIP, beginning in 2023
  • Expand eligibility for full benefits under the Medicare Part D Low-Income Subsidy Program, beginning in 2024
  • Further delay implementation of the Trump Administration’s drug rebate rule, beginning in 2027

This brief summarizes these provisions and discusses the expected effects on people, program spending, and drug prices and innovation.

Read this article here.

Date published: 8/24/2024

 

Title: “Use of Prior Authorization in Medicare Advantage Exceeded 46 Million Requests in 2022” 

Synopsis: “Virtually all enrollees in Medicare Advantage (99%) are required to obtain prior authorization for some services – most commonly, higher cost services, such as inpatient hospital stays, skilled nursing facility stays, and chemotherapy. This contrasts with traditional Medicare, where only a limited set of services require prior authorization. Prior authorization requirements are intended to ensure that health care services are medically necessary by requiring approval before a service or other benefit will be covered. Medicare Advantage insurers typically use prior authorization, along with other tools, such as provider networks, to manage utilization and lower costs. This may contribute to their ability to offer extra benefits and reduced cost sharing, typically for no additional premium, while maintaining strong financial performance.

Read this article here.

Published: Aug 08, 2024

 

Title: Humana to pay $90 mln to settle claim that it overcharged Medicare for drugs.

Synopsis: Humana (HUM.N), opens new tab has agreed to pay $90 million to settle a whistleblower lawsuit by one of its former actuaries accusing the health insurer of overcharging the U.S. government for prescription drugs, the whistleblower’s lawyers announced on Friday.

The whistleblower, Steven Scott, said that Humana, which contracts with the federal Medicare program to administer prescription drug benefits, misrepresented its true costs in order to get a more lucrative contract. It is the first settlement with any insurer over allegations of fraud tied to Medicare’s prescription drug contracting process, according to the law firm Phillips & Cohen, which represents Scott.

Read this article here.

Date published: 8/16/2024

 

 

Medicare Annual Enrollment Period

October 15th through December 7th.

You should take the time to review next years version of your Prescription drug plan or your Medicare Advantage plan during the Medicare Annual Open Enrollment Period. Call us if you want help evaluating your options.
The Medicare Annual Enrollment Period gives you the opportunity to save money and have a broader choice of doctors and hospitals. Don’t forget to see if you can save money on your prescription medications by changing plans! Check out your choices during AEP (October 15th through December 7th).

Medicare Annual Enrollment Period – Items we feel are important

Don’t let the Medicare Annual Enrollment Period (October 15 – December 7th) pass by without understanding next years changes to both your current plan and your other plan choices.  Why? 

Because this is your opportunity to get better coverage at a lower cost.

If you are dissatisfied with your 2021 Medicare Advantage plan, read this…

Medicare opened up a new opportunity for people enrolled in a Medicare Advantage plan to change plans again. This can be done on January 1 through March 31.

This new enrollment period is called the ‘Open Enrollment Period’. Learn more about this here.

Insight into the 2022 Medicare Advantage plans and why it makes sense for you to review your options

This page will be updated the 1st week in October to reflect the changes in 2022 Idaho Medicare Advantage plans.

In 2018, 2019, 2020 and 2021 we have seen some Idaho Medicare Advantage plans add noticeably better value. We expect this to continue in 2022.

Why? Because the number of people on Medicare in Idaho is growing at a much quicker rate than prior to 2018. More Medicare eligible people are simply moving into Idaho and this has caught the attention of insurance companies. You can confirm this growth by looking at the last 3-years enrollment reports by state. These are available here.

Insurance companies are competing with each other to get your and my Medicare Advantage business.

Why are they doing this?

Because companies get a monthly stipend from the Federal Government for each person enrolled in one of their plans. The more people enrolled in their plan(s), the more money they get each month. How do insurance companies get people to switch plan(s)? Offer better value than the other companies offering competing plans.

This is real and is happening. The people that are paying attention to this are switching plans and getting better value.

Learn more about your 2022 options by revisiting this page in October.

This page was last modified on Jan 9, 2021 @ 4:43 PM

Medigap Plan F

Medigap Plan F – is on our recommend list

People considering Medigap Plan F should also check out  Plan G or Plan N. Why? They may be more suitable for your needs and budget.

Medigap Plan F is available to those eligible for Medicare before 1/1/2020 AND enrolled in Medicare Part A and B

Medigap Plan F and C are available for people that were new (or eligible) for  Medicare prior to  January 1, 2020.  You must also be enrolled in Medicare Part A and B to have your application be accepted by an insurance company.

Enrollment rules are explained here.

What should you do if you do not qualify for Plan F?  Consider Medigap Plan G.  Learn more here.

Other important information about Medigap Plan F

Continue reading

Medigap Plan G

We recommend Medigap Plan G.

Idaho Medigap Plan G Medigap rates available now. 

As of 3/9/2026:

                          G  is less than $225/month.                                    

G Hi-deductible: less than $75/month.                                            

N: less than $170/month.

IF you are new to Medicare OR within 30-days of your ‘birthday window’ call us.  We will help you save on your Medigap monthly premium.

The above premiums are available to Idaho residents 65 and over that do not use tobacco.  The premium for tobacco users is slightly higher.  Call if you are under age 65.  

The companies offering the above mentioned premiums have not yet had their 2026 premium increase.  When their increase is effective, these rates may no longer be available.  We will be resetting the above figures when this happens.

If your current plan premium is meaningfully higher than these figures, you can switch companies without going through underwriting to lower your premium during your ‘birthday window’.  If you choose to make a change outside of this ‘window’, you may have to answer the ‘health history’ questions on the company’s application.  Depending on your answers, the application can be accepted or denied. 

Idaho Medigap rates are set by each company offering them. There is often a wide difference between monthly premiums for the same plan. We help you find a solid company with the lowest rates!.
Idaho Medigap rates are set by each company offering them. There is often a wide difference between monthly premiums for the same plan. We help you find a solid company with the lowest rates!.

Some residents call Idaho Medicare Supplement plans Idaho Medigap plans.  We use the terms interchangeably.

Why we like Medigap Plan G!

Medigap Plan G pays all left over Medicare Part A and B costs (except for the Medicare Part B annual deductible)  

This means your annual Medicare covered health costs are limited to your plan’s monthly premium plus the annual Part B deductible. 

Equally important, you have a choice of all doctors/hospitals/other providers in the USA that accept Medicare.  Be aware, prior authorizations for Medicare covered health care are also minimized. 

Advice for people moving to Idaho (or planning to move here soon).

  1.  If you have a Medicare Advantage plan now you can switch to a Medigap plan without going through underwriting.  There is a timeframe you need to get this done.  We can guide you through the process.
  2. If you presently have a Medigap plan, we recommend you compare your current monthly premium to the same plan available in Idaho.  For example, Plan G is available for $220/less.  Plan F is available for less than $250.  Call us if you want a quote for a different Medigap plan.
  3. If you have chosen to stay with Original Medicare (Part A and B), we recommend you consider adding Medigap Plan G H-deductible.  Why?  Because you presently have no ‘cap’ on your share of the left over costs when you use Part A and/or B services.  Call us for details.

What else you need to know about Medigap Plan G

Your exposure to the high cost of Part B Medications is minimized

A refresher on Part B medications is available here.  Please take the time to read this.

You and I do not know when we will be diagnosed with a health issue when these medication(s) will be needed.

A recent publication by the Kaiser Family Foundation pointed out the importance of having good insurance coverage for these med’s.  It also points out your financial exposure if you have a Medicare Advantage plan or inadequate coverage for this important service.  Please take a few moments and read this article.  Having this coverage could save you a significant part of your retirement savings.

‘Excess charges’ are covered

Medigap Plan G and Medigap Plan F cover ‘excess charges‘.  The other 8 Medigap plans do not.  We feel the value of this benefit will continue to grow in the future.  

Having these costs covered minimize your out of pocket costs and give you more flexibility in the physicians you choose.

Coverage for emergency health care outside of the United States is included

Plan G includes $50,000 of emergency health care coverage outside of the United States.  Your policy will cover 80% of actual charges; this means you are responsible for the remaining 20%.  You also have a $250 deductible for each claim.  Read your policy for additional details.

We recommend individuals also consider getting travel health care insurance for any trip  outside the US.

When Can I enroll?

Enrollment rules are defined here.  This is important information to understand.  

If you miss this window (and do not have a ‘guaranteed issue‘) you will have to answer the health history questions on the application. Depending on your answers, your application can be denied.

How much will Medigap Plan G cost? 

There are two parts to this answer.  First, you need to be enrolled in Medicare (Part A and Part B). 

Most people get Part A at no cost.  Check these rules to see if this includes you.

There is a monthly premium for Medicare Part B.  People in higher income brackets will pay more for Medicare Part B and their Medicare Part D monthly premium.  Be aware of this as it will affect your retirement budget.

Medigap Plan G Premiums

There are 4 different rate charts for all Medigap plans available in Idaho.  One is for people that do not use tobacco, the 2nd is for those that do, and the 3rd and 4th is for people under age 65  and for people 65 and over. 

Each company offering Medigap plans set their own premium for each plan and for each of the 4 rate charts. 

The status of the Idaho Medigap market and current premiums are summarized here.  

Did you notice the monthly premiums vary by 100% to 200%+ for each plan from all companies?

Why such a wide variation? 

Two reasons come to mind.  First, each company sets their own premiums when then enter a market, like Idaho.  Companies that want to grow their market share may set their premiums at a competitive level.  More conservative companies may set them higher.  Sometimes rates are much higher. Since each plan provides the same coverage, the monthly premium may be the key differentiator in your choice of companies. 

A few companies include services not covered by Medicare.  These could include a gym membership, a ‘household discount’, or other extras.  If these features are important, they should be factored in the decision on which company to do business with.    

Be aware of the details each ‘extra benefit’.  For example, does the gym membership include facilities I presently use; are they close to me?  If a plan includes limited dental coverage are the dentists you prefer in that plan’s network?  Are a variety of dental skills available in the network? If a ‘household discount’ catches your attention, look at the net premium and compare it to your other alternatives. Also recognize the company can drop these extra benefits

Why would a company purposely set their initial rates high?

Keep in mind with the recent Idaho law change, people can change companies and get the same plan at a lower rate.  This can be good for the policy holder and may not be so good for the company.  Why?  Because people with higher medical claims will be attracted to the company(s) offering their plan at a lower premium.  If a company has more policy holders with higher claims experience than projected, they may need to ask for a larger annual rate increase.

Annual Rate changes

Remember, monthly premiums for Medigap Plan G can go up annually. 

What variables influence this increase?

Inflation, the cost of providing health care services and the claims experience the company has with existing plan members.  The effectiveness of the insurance company and how it manages expenses is also important. 

Annual rate increases can go up higher than 7 – 13%.  

Underwriting…should I be concerned?

Maybe.  There are different rules you should be aware of.  They depend on your specific goals. 

If you want to get the same plan from a different company offering a lower premium, you can make the move during your annual ‘birthday window’ WITHOUT going through underwriting.   Your ‘birthday window’ starts on your birthday and lasts for 63-days. 

If you want to make a change outside of your ‘birthday window’, you will have to answer the underwriting questions and your application could be denied based on your answers.  Also, if you wish to switch to a ‘more comprehensive’ plan, underwriting also comes into plan.

Please read the rules (and answers to frequently asked questions) here

How long should you keep your plan with your current insurance company?

Compare your current plan’s monthly premium to the other companies offering the same plan.  Do this during your birthday window.   We help you with this.

When the difference between your current premium and what another company is offering is meaningful to you, consider changing companies.  Again, we can help you thru this process. 

We feel this difference in premiums is better in the pocketbook of the policy holder than an insurance company’s bank account. 

If you work with us, we will notify you about 30-days before your birthday window if you can save money by switching plans.  If you want to make the change, we will guide you thru the process.  It takes about 15-minutes to change companies and enroll in the same plan.   

 

 What other Medigap plans we recommend Idaho residents consider

Medigap Plan G, the HI-deductible version of Plan G, Plan F, Plan N and in certain situations Plan A, B, C and D. 

Plan G Hi-deductible often gets overlooked.  This option can be very attractive to some individuals.  Characteristics include healthy people that want lower premiums and coverage that gives them protection from high health care costs.  Don’t forget about flexibility of doctor and hospital choices too.  This means any doctor/hospital that ‘accepts Medicare’ in the USA…that is your network.

This is how this plan works.  When the plan member uses Part A and/or Part B services, Medicare pays its share. The left over costs that Medicare doesn’t cover the plan member pays.  When the plan members out of pocket costs for Part A and B services hits the plan’s deductible for the year, that is all the plan member pays.  The deductible starts over on January 1 each year.  We like this plan.

 

We encourage people to think twice before joining Medigap Plan K, L, and M

Medigap Plan KMedigap Plan L, and Medigap Plan M are NOT on our list of ‘Medigap plans people should consider’. Why? Because of their low levels of national enrollment.  We encourage Idaho residents to avoid these plans.  The above-mentioned report notes that the combined total Idaho membership in plans K, L, and M is less than 2% of all Idaho Medigap enrollees.  Nationally, these three plans had similar enrollment numbers. 

We recommend Idaho residents consider either Plan G Hi-deductible, F Hi-deductible or Plan N in lieu of K, L, and M.  Look at the monthly premiums of these 3 alternative plans and your out of pocket costs when you use plan services.

Your Medicare prescription drug plan

We offer annual reviews of our customers prescription drug plan too.  This is another area were those not paying attention to plan changes can cost people.  We typically see a 300% +/- difference in the annual out of pocket costs (monthly premium + refill cost) between plans available in Idaho.  Again, we feel savings generated by switching plans, are better off in our customers pocket.      

 Idaho residents interested in a Medigap Plan

Call us at (208)-867-0296 if you would like help with your Idaho Medicare insurance choices. We have been helping Idaho residents since 2012 with Medicare decisions, enrollment, and ongoing annual reviews. 

Working with an independent agent which resides in Idaho and specializes in Medicare/Medigap makes good sense.

Learn more about us before you call.

We are here to help.  

This page was last modified on Mar 9, 2026 @ 9:44 AM

 

Medigap Plan N

Medigap Plan N is one of the few Medigap plans we recommend. Read this to learn if Plan N makes sense for your needs.
We recommend Medigap Plan N. Be sure you understand the difference between Medigap Plan N and Medigap Plan G. Both plans are on our recommend list.

 

Idaho Medigap Plan N has low rates right now. 

As of 7/1/2026:

                                             N: less than $170/month.

                                             G Hi-deductible: less than $80/month.

                                             G: less than $225/month.

IF you are new to Medicare OR within 30-days of your ‘birthday window’ call us.  We will help you save on your Medigap monthly premium.

The above premiums are available to Idaho residents 65 and over that do not use tobacco.  The premium for tobacco users is slightly higher.  Call if you are under age 65.  

The companies offering the above mentioned premiums have not yet had their 2026 premium increase.  When their increase is effective, these rates may no longer be available.  We will be resetting the above figures when this happens.

If your current plan premium is meaningfully higher than these figures, you can switch companies without going through underwriting to lower your premium during your ‘birthday window’.  If you choose to make a change outside of this ‘window’, you may have to answer the ‘health history’ questions on the company’s application.  Depending on your answers, the application can be accepted or denied. 

Some residents call Idaho Medicare Supplement plans Idaho Medigap plans.  We use the terms interchangeably.               

 

Medigap Plan N is  a good fit for people that:

*are interested in comprehensive health care coverage but don’t mind paying for a few copays when they use health care services;

*want a health plan with lower monthly premiums than Medigap Plan F and Medigap Plan G;

*want the flexibility of using any doctor/hospital/ other providers in the United States that ‘accepts assignment‘.

A refresher on Medigap plans is available below

If you would like a refresher on the difference between all 12 Medigap plans, refer to page 7 of the document found here.   Please read sections 1-4 of this same document for a more comprehensive review of Medigap plans.  This includes enrollment periods you need to be aware of and what ‘guaranteed issues’ are.   You will need this information at hand to arm yourself with the knowledge needed to effectively understand Medigap (Medicare Supplement) plans.  This material may be a bit overwhelming to the person new to Medicare.  Call us if you want help tying all of this together.

Current monthly premiums for the companies that offer this plan to Idaho residents is available here.    Important!  Be aware that there are different rate charts on that page, be sure and access the one that best describes you.

 Which company should I choose?

Continue reading

Medigap Quotes

Medigap Quotes for Plans Available in Idaho

Medigap quotes from all 35+ insurance companies offering plans in Idaho are available on the Idaho Department of Insurance website.  You can find these rate tables here.

Note there are separate rate charts for people that use tobacco and those that do not.  Medigap quotes are available for people under age 65 as well as for people age 65 and above.

There is a separate chart containing the Medigap quotes in 5-year age increments.  If you would like a Medigap quote for other ages, call us.

Idaho is an ‘issue age’ state; this means there is a specific rate for each age starting at 65.   This is your base rate for subsequent (mostly annual) increase in premiums.

These tables are updated throughout the year.  Why?  Companies have their own schedule for changing rates and companies enter and leave the Idaho market.

Why isn’t the company I bought my policy from listed on the Medigap Quotes rate chart?

We have noticed more companies of late no longer have their monthly premiums listed on the SHIBA Medigap rate charts (found here).  Below is a partial list of companies whose premiums are no longer on the current rate chart (removed during 2017 and 2018).  These include:

American Republic Insurance Company

Assured Life Association

Bankers Fidelity Life Insurance Company

Central States Indemnity (left market on 7/21/18)

Continental Life Insurance Company

Gerber Life Insurance Company

Government Personnel Mutual

Individual Assurance Company

Liberty National Life Insurance Company

Manhattan Life Insurance Company

Medico Corp. Life Insurance Company

Medico Insurance Company

Standard Life and Accident

Western United Life Assurance Co.

Do you have a policy from one of the above companies and you have not heard from them?  We suggest you call their customer service department (their number should be on your membership card) to learn more.  People in the SHIBA department of the Idaho Department of Insurance may be able to provide you with additional information.  Their number is 1-800-247-4422.

We recommend Idaho residents enrolled in a Medigap plan compare their current premium to the premiums with other company’s offerings.  Why?  Because savings in the $30 – $50+/month range are available.  We view health insurance in the same light as auto and home owners insurance.  If you can get the same coverage (or better) and have access to the same resources, get the savings by changing companies.

If you are a resident of Idaho, we can help you think his through and with the process of changing companies.

Medigap quotes: Should I choose the Medigap Plan with the lowest premium?

This seems like it might make sense, right?  We recommend you read this information first.  We prefer companies with a well-established record in the Medigap business and have competitive rates in Idaho.

Medigap Quotes: We recommend less than 30% of the over 35 Insurance Companies offer plans in Idaho

Medigap insurance policies are offered by over 35 insurance carriers to Idaho residents.  Their monthly premiums for the same plan vary by 160 – 300%+/- .  We recommend less than 30% of these companies.

Why?  Because many have not passed all 8 of our screening criteria or their monthly premiums are not competitive with companies that have.  Some of the criteria we screen for include:

Continue reading

Why should I use an independent agent?

The right Independent Agent should specialize in one field

Work with an agent that specializes on Medicare and is licensed with all of the plans available to you.  Their services are cost-free and have to pass tests annually on Medicare and each plan they represent.  If you are a resident if Idaho and want help understanding Medicare and plan selection/enrollment call us.

It is easy to enroll in a Medicare plan. You can select a policy based on the first mailer you receive when you turn 65.  Others do it based on what their friend did. Some people respond to a celebrity ad on TV touting ‘get the benefits you deserve’. Some insurance companies also run ad’s on TV or an agent will call you or knock on your door.  Others listen to the pitch from their group insurance carriers just before they retire.  Some insurance companies automatically enroll you in one of their Medicare Advantage plans if you have a pre-Medicare commercial health plan with them.  If this sounds good to you, read this article to learn what a mess this caused.

Many insurance carriers provide you the ability to enroll in their plan right on their own website.

We encourage you to be an informed Medicare beneficiary.  This means understanding Medicare, your plan choices (stay with Original Medicare with/without a Medigap plan OR enroll in a Part C plan), learn what doctors and hospital(s) are in a plan’s network, how much it will cost you if you use non-network providers, and how much it will cost you to use a plan’s health care services as well as your cost to have prescriptions filled. 

Local brokers working with multiple insurance companies know your market and the differences between plans and insurance companies.

Which Independent Agent?

We encourage you to work with agents that represent 100% of the plans available to you AND will take the time to explain how Medicare works (Part A, B, C, D and Medigap plans).   We feel it is important that people understand the key differences between Medigap and Medicare Advantage plans AND the differences between the insurance companies.  For example, do you know that:

Continue reading

HOW CAN WE HELP YOU?
Would you like us to contact you between October 1 and December 1st to discuss new and updated Medicare Advantage plans that will be available on January 1 next year?
OTHER INFORMATION
CONTACT INFORMATION
Medigap Insurance
Understanding Medicare Advantage Plan/Prescription Drug Plan
Stand Alone Prescription Drug Plan
Dental, Vision, Hearing Plan
HOW CAN WE HELP YOU?
CONTACT INFORMATION
Medigap Insurance
Understanding Medicare Advantage Plan/Prescription Drug Plan
Stand Alone Prescription Drug Plan
Dental, Vision, Hearing Plan