Medicare | Advantage & Supplements
Offering reliable Individual & Group Health Insurance in Boise, ID, we help individuals, families, and businesses find affordable, high-quality coverage. Compare top health plans, customize your benefits, and get expert local guidance to protect your health and financial future.
What is Medicare? Understanding Parts A, B, C & D
Medicare is a federal health insurance program for people age 65 and older, as well as certain younger individuals with disabilities. It’s made up of four main parts, each covering different healthcare needs:
List of Services
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Medicare Part A (Hospital Insurance)List Item 1
Covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services.
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Medicare Part B (Medical Insurance)List Item 2
Helps pay for doctor visits, outpatient care, preventive services, and some medical equipment.
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Medicare Part C (Medicare Advantage)List Item 3
Offered by private insurers, combines Parts A and B, often with extra benefits like dental, vision, and prescription drug coverage.
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Medicare Part D (Prescription Drug Coverage)List Item 4
Helps cover the cost of prescription medications, available through private plans approved by Medicare.
Whether you’re exploring Medicare in Boise, ID or comparing plan options, understanding these parts is the first step to choosing the right coverage for your health and budget.
| Part | Type of Coverage | What It Covers | Who Provides It | Extra Benefits |
|---|---|---|---|---|
| Part A | Hospital Insurance | Inpatient hospital care, skilled nursing facilities, hospice, limited home health care | Original Medicare | No |
| Part B | Medical Insurance | Doctor visits, outpatient care, preventive services, medical equipment | Original Medicare | No |
| Part C | Medicare Advantage | All Part A & B benefits, often includes Part D, plus extras like dental, vision, hearing | Private insurers approved by Medicare | Yes |
| Part D | Prescription Drug Coverage | Helps cover prescription medication costs | Private insurers approved by Medicare | No extras, drug coverage only |
Compare Advantage Plans vs. Medigap Supplements: Which is Right for You in Boise, ID?
| Feature | Medicare Advantage (Part C) | Medigap Supplement Plans |
|---|---|---|
| Coverage | Combines Part A (Hospital) & Part B (Medical); often includes Part D (Prescription Drugs) | Works with Original Medicare (Parts A & B) to cover deductibles, copays, coinsurance |
| Extra Benefits | May include dental, vision, hearing, fitness, and wellness programs | No extra benefits; medical coverage only |
| Provider Network | Limited to plan networks (HMO, PPO) – may need referrals or in-network doctors | No network restrictions – see any provider who accepts Medicare nationwide |
| Prescription Drug Coverage | Usually included | Not included – requires separate Part D plan |
| Premiums | Often lower monthly premiums | Typically higher monthly premiums |
| Out-of-Pocket Costs | Pay copays/coinsurance when receiving care; costs vary by plan | Lower out-of-pocket costs; more predictable expenses |
| Best For | Those who want lower premiums, all-in-one coverage, and don’t mind network limits | Those who want maximum flexibility in choosing providers and predictable costs |
Choosing Between On-Exchange and Off-Exchange Plans in Idaho
When selecting Individual or Group Health Insurance in Idaho, understanding the difference between On-Exchange and Off-Exchange plans can help you make the right choice:
On-Exchange Plans (Marketplace)
- Purchased through Your Health Idaho, the state’s ACA marketplace.
- Meet all Affordable Care Act (ACA) requirements.
- May qualify for premium tax credits or cost-sharing reductions based on income.
- Ideal for individuals, families, and small businesses seeking affordable, subsidized coverage.
Off-Exchange Plans (Private)
- Bought directly from private insurance companies or through licensed brokers.
- Also ACA-compliant but do not qualify for marketplace subsidies.
- Offer more plan options, broader provider networks, and customizable benefits.
- Flexible solutions for individuals, families, and employers who don’t qualify for subsidies or want additional plan choices.
How Small Group Health Insurance Works for Idaho Businesses
Helping Idaho Families & Businesses with Health, Medicare, and Life Insurance Solutions for Over 20 Years
Small group health insurance is designed for businesses in Idaho with 2 to 50 employees, helping employers provide quality healthcare coverage while staying competitive in today’s job market. Whether you’re a startup in downtown Boise or an established company in Meridian, these plans allow you to offer benefits that attract and retain top talent.
With Boise Individual Health Insurance, employees can also coordinate coverage if they need extra benefits beyond the group plan. Meridian Small Group Plans give business owners flexibility to choose from multiple ACA-compliant options, provider networks, and cost-sharing arrangements. Employers typically pay a portion of the premium, with employees covering the rest through payroll deductions—making coverage affordable for everyone.
We guide Idaho businesses through plan selection, enrollment, and ongoing support, ensuring your team has access to quality healthcare while your business enjoys tax advantages and improved employee satisfaction.
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