Idaho Senior Health Insurance
Explore Your Options
Whether you decide to retire in Idaho for its outdoor activities, well known potatoes, or it’s beautiful four seasons, one thing is for sure – you will have many options when choosing a Senior Health Insurance plan. Being the 13th largest state in the U.S, the residents of Idaho have the option of signing up for a Medicare Supplement Plan, Prescription Drug Plan and a Medicare Advantage Plan. Choosing which option is best for you is difficult, but you can rely on a Senior Health Insurance Specialist at MySeniorHealthPlan.com to help make your decision easier.
Medicare Supplement Plans (or Medigap) are standardized state specific plans that range from plans A-G with different coverage levels. These plans are used in conjunction with your Medicare Part A and B. This type of plan allows you to use your benefits nationwide as long as you see a doctor that accepts Medicare. For more information on Medicare Supplement Plans please contact MySeniorHealthPlan.com.
Medicare Supplement Plans do not include Prescription Drug coverage, so they are often paired with a Prescription Drug Plan. Prescription Drug Plans are stand-alone plans that offer different levels of coverage depending on the prescriptions you are taking. Not taking any prescriptions? Most people still sign up for a PDP to avoid the penalty for not having drug coverage or to make sure they are covered should they need to take prescriptions in the future. If you need Extra Help paying for your prescriptions, please visit http://www.socialsecurity.gov/medicare/prescriptionhelp/ to learn more about the penalty please call MySeniorHealthPlan.com or visit http://www.medicare.gov/part-d/costs/penalty/part-d-late-enrollment-penalty.html.
Medicare Advantage Plans are also available in Idaho. These are network-based plans, and they are also county specific. In Idaho you have the options of signing up for an HMO or a PPO. Most Medicare Advantage Plans available in Idaho include Prescription Drug coverage, however not all of them do. To be sure you know what type of Medicare Advantage Plan you are signing up for be sure to consult with a specialist at MySeniorHealthPlan.com. Our job is to make this a smooth and comfortable transition for you. Give us a call now to discuss your options!
Some residents of Idaho have Indian Health Services as well. The relationship between the Federal Government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare & Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.cms.gov/Outreach-and-Education/American-Indian-Alaska-Native/AIAN/
Senior Resources:
Indian Health Services – http://www.ihs.gov
Medicare – www.Medicare.gov
Idaho Aging and Disability Services Division – www.aging.idaho.gov
Idaho Department of Human Services – www.healthandwelfare.idaho.gov
