Best Idaho Medicare Advantage Plans

MoneyGeek identified the highest-rated and most widely available plans in Idaho through the Centers for Medicare & Medicaid Services' (CMS) five-star quality rating system. We ranked the best Medicare Advantage plans in Idaho based on factors such as plan type, the need for drug coverage and low out-of-pocket expenses.

We based our analysis on a few generalizations. For the best Medicare Advantage plan, make sure the hospitals and medical providers in your network are included in the plan as well, and shop around for the best deal.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Idaho.

Each individual's ideal Medicare Advantage Plan will be different, due to their needs and requirements. According to MoneyGeek, the Regence MedAdvantage + Rx Primary (PPO) plan from Regence BlueShield of Idaho is the best option for Idaho consumers seeking PPO plans that include drug coverage, the six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS).

PPO plans, the second-most popular type of health insurance in the state, have a larger network. You can obtain healthcare services from in-network and out-of-network doctors and specialists without the need for a referral with a PPO plan. However, because of their flexibility, these plans are also more expensive.

Consider your individual healthcare requirements when selecting an HMO Medicare Advantage Plan. UnitedHealthcares' AARP Medicare Advantage Focus (HMO) is the best choice for an average Idaho shopper looking to purchase an HMO plan with drug coverage, the six core benefits and a high CMS star rating.

HMO plans are cheaper because they only cover services provided by in-network hospitals and doctors. Your primary care physician will refer you to an in-network specialist, if necessary. In an emergency, these policies cover out-of-network services. They work for those seeking plans with lower premiums and who prefer easy access to in-network providers.

Individuals who do not require Part D prescription drug coverage as part of their Medicare Advantage plan have several options. UnitedHealthcare's AARP Medicare Advantage Focus (HMO) plan is the best Medicare Advantage plan in Idaho that does not feature prescription drug coverage. It includes the six core benefits and has a high CMS star rating, making it one of the state's best Medicare Advantage plans.

Many Medicare Advantage plans feature little or no premiums, resulting in substantial out-of-pocket payments in hundreds or thousands of dollars. Customers can avoid these payments by choosing plans with low maximum out-of-pocket expenses.

Idahoans can look to Regence BlueShield Of Idaho's Regence MedAdvantage + Rx Primary (PPO) plans for the lowest maximum out-of-pocket expenditures, on average. The plan delivers the six core benefits and prescription coverage. It also received a strong overall rating from CMS.

Idaho residents can buy Medicare Advantage plans from nine different healthcare organizations. The figures in the next section explore a few of the components relevant to the plans. Use these numbers to determine the availability of certain benefits.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Idaho were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Idaho based on county availability.