Medicare and Social Security Disability
Medigap plans are available to Idaho residents on Medicare and Social Security Disability
Why should you care about this? Because if you select the right Medigap plan it will pay all or nearly all of your left over Medicare-covered health care costs. This means you can budget with confidence health care. You only have one ‘open enrollment period’ to join a Medigap plan. Learn about these here. Call us if you have questions.
The benefits of choosing a Medigap plan
With a Medigap plan you also have a choice of any doctor/hospital in the US that ‘accepts assignment’. This means the provider accepts the Medicare payment for the services they provide to people enrolled in Medicare. No more networks to deal with nor seeking permission from an insurance company to get their approval for the Medicare-approved health care your doctor recommends. Look into Medigap Plan F, a Medigap Plan G, or a Medigap Plan N if you want a plan that covers all/most all of the left over costs not paid by Part A and B.
You have a choice of 20+ ‘stand alone’ prescription drug plans when you enroll in a Medigap plan. We like having choices and the ability to compare different plans. Learn more about Idaho Medicare Prescription Drug plans.
When you turn 65 lower your monthly premium by changing plans/insurance companies
Be aware you can lower your monthly premium when you turn 65. You can re-enroll in the same plan or change plans (or insurance companies) to get this done. What is behind this? The Idaho Legislature gave insurance companies the right to bump their Medigap monthly premiums by up to 50% for pre 65 SSDI and Medicare people. When you turn 65, you will have the same one-time open enrollment period to enroll in the same or different Medigap plan and get the rates (lower) available at that time.
If you would like help understanding Medicare and the differences between your Medigap, Medicare Advantage and prescription drug plan choices, contact us. We will answer your questions and help you enroll in the plan you choose. Learn more about us here. We are here to help.
Information about Idaho Medigap plans and carrier differences
Learn more about Idaho Medigap plans and carrier differences here.
Medicare Advantage plans are right for some
Medicare Advantage plans are a good alternative for Idaho residents that:
prefer ‘pay as you go’ approach when needing plan covered health care;
like the idea of a plan which includes prescription drug coverage;
prefers $0/lower monthly premiums when selecting a plan;
are ok using a defined network of physicians/hospitals/other providers;
live in an Idaho County where Medicare Advantage plans are available.
Additional resources for Idaho Medicare Advantage plans
We encourage you to learn more about Idaho Medicare Advantage plans by reviewing the information below:
learn about Idaho Medicare Advantage plans;
if you live in a lower population Idaho County learn about Medicare Advantage plans in Rural Idaho Counties;
if you live in an Idaho County whose Medicare Advantage plans have high monthly premiums, learn about alternatives to high premium Medicare Advantage plans.
Call us. We are here to help.
If you are an Idaho resident and would like help understanding Medicare and the differences between your Medigap, Medicare Advantage and prescription drug plan choices, contact us.
We are licensed with all Medicare Advantage, Medigap and many of the prescription drug plans available to Idaho residents.
We will answer your questions and help you enroll in the plan you choose. Learn more about us here. Contact us when you are ready.
We are here to help.
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