2020 Medicare Advantage Plans
available through Insurers of Idaho

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Blue Cross of Idaho:

  • True Blue Rx (HMO)
  • True Blue Rx Option 1 (HMO)
  • True Blue Rx Option 2 (HMO)
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SelectHealth:

  • Essential HMO
  • Enhanced HMO
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Pacific Source:

  • Explorer 6 PPO
  • Essentials Choice Rx 24 HMO-POS
  • MyCare RX 23 HMO
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United Health Care:

  • Medicare Complete Choice Plan 1 PPO
  • Medicare Complete Choice Plan 2 PPO
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Regence:

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Molina:

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Aetna:

MEDICARE ADVANTAGE PLANS COVER ALL MEDICARE SERVICES

Medicare Advantage Plans must cover all the services that Original Medicare covers. However, if you’re in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies. In all types of Medicare Advantage Plans, you're always covered for emergency and urgently needed care.

The plan can choose not to cover the costs of services that aren't medically necessary under Medicare. If you're not sure whether a service is covered, check with your provider before you get the service.

Most Medicare Advantage Plans offer coverage for things that aren't covered by Original Medicare, like vision, hearing, dental, and wellness programs (like gym memberships). Plans can also cover more extra benefits than they have in the past, including services like transportation to doctor visits, over-the-counter drugs, adult day-care services, and other health-related services that promote your health and wellness. Plans can also tailor their benefit packages to offer these new benefits to certain chronically ill enrollees. These packages will provide benefits customized to treat those conditions. Check with the plan to see what benefits are offered and if you qualify.

Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan. In 2019, the standard Part B premium amount is $135.50 (or higher depending on your income).

If you need a service that the plan says isn't medically necessary, you may have to pay all the costs of the service. But, you have the right to appeal the decision.

2020 Medicare Supplements
available through Insurers of Idaho

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Trans America:

  • Plans A, F, G, N
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Blue Cross of Idaho:

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United Health Care:

  • Plans A, B, C F, K, L, N
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Aetna:

  • Plans

What's Medicare Supplement Insurance (Medigap)?

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap policies are sold by private companies.

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.