Medicare in Idaho
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Medicare plans in Idaho
Medicare Advantage plans often include other benefits as well, like routine dental care and vision care, and prescription drug coverage.
According to the Centers for Medicare and Medicaid Services (CMS), there were a total of 311,309 Medicare beneficiaries in Idaho in 2018. Idaho offers resources and services to Medicare beneficiaries, whether aged or disabled.
Original Medicare is the government-sponsored health insurance program for American citizens and qualified legal residents aged 65 and over, and those who qualify by disability. As an Idaho beneficiary, you might have some other choices for Medicare coverage beyond Original Medicare, Part A and Part B, as you might in other states as well.
Do you need prescription drug coverage in Idaho? Original Medicare coverage doesn’t extend that far in most situations.(Medicare Part A may cover prescription drugs you receive as a hospital inpatient, and Part B covers certain prescription drugs, such as some drugs administered to you as an outpatient.) To cover most prescription medications you take at home, you’d need a stand-alone Medicare Part D Prescription Drug Plan, available from private insurance companies approved by Medicare.
You may have the option of getting your Medicare coverage through a Medicare Advantage plan in Idaho instead of directly through the government. These plans are available from private, Medicare-approved health insurance companies, and give you the same coverage you get from Original Medicare, except for hospice care, which Medicare Part A still covers.
Medicare Advantage plans often include other benefits as well, like routine dental care and vision care, and prescription drug coverage. When you enroll in a Medicare Advantage Prescription Drug plan, you get the convenience of all your Medicare benefits in a single plan.
With any type of Medicare Advantage plan, you must keep paying your Medicare Part B premium, along with your plan premium if there is one.
If you decide to stay with Original Medicare, you can apply for a Medicare Supplement (Medigap) insurance plan to work alongside your Part A and Part B benefits.
Medicare resources in Idaho
Idaho Commission on Aging: This agency, abbreviated ICOA, administers federal programs for Idaho seniors, including Medicare beneficiaries. Its mission is to develop policy, coordinate and set priorities, and evaluate activities that pertain to seniors and fall under the Older Americans Act. The ICOA helps both disabled and elderly people in Idaho with regard to caregiver services, preventative health, fraud, waste and abuse protection, and other health-related resources.
Area Agency on Aging of North Idaho: Abbreviated AAANI, this agency provides community support for disabled and aging persons living in or north of Coeur d’Alene. AAANI depends on both paid staff and volunteers to coordinate a network of health organizations and caregivers in the north Idaho area. Part of its mission is to help older adults and families with information about health services and help them secure independence and quality of life. Main services include information and assistance on community health care, adult protective services, care coordination, and case management to help aging adults get maximum health care levels.
Senior Health Insurance Benefits Advisors (SHIBA): SHIBA is a state-sponsored organization that advocates for Idaho Medicare beneficiaries. SHIBA is also part of the state’s network of state health insurance programs (SHIP). Its services and information are free to Idaho Medicare beneficiaries and include help with Medicare Prescription Drug Plans, Medicare Advantage plans, and Medigap plans. SHIBA also provides oversight to help prevent and fight Medicare fraud, waste and abuse.
Medicare statistics in Idaho
Here are some interesting CMS statistics regarding Medicare in Idaho as of 2018:
- A total of 209,470 beneficiaries were enrolled in Medicare Part A and/or Part B, while 101,839 were enrolled in Medicare Advantage plans and other health plans.
- CMS expects 43 Medicare Advantage plans to be available in the state in 2018.
- 25 stand-alone Medicare Prescription Drug Plans were available in 2018
- 90,565 Medicare beneficiaries had prescription drug coverage through a Medicare Advantage plan and 125,712 had stand-alone Part D Prescription Drug Plans.
- CMS estimates that 25% of beneficiaries with Medicare prescription drug coverage qualify for a low-income subsidy, called Extra Help, in 2018.
Statistical data from Medicare Enrollment Dashboard and “2018 MA Part D Landscape State-by-State Fact Sheet”
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