Because Medicare is a nationwide Federal program, the requirements for qualifying for Medicare in Idaho are the same as for the residents of any other state. They are:
• Be 65 or over
• Be receiving disability benefits from Social Security or Railroad Retirement Board
• Be eligible for Medicare because of End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)
These conditions apply throughout Idaho, including the counties of Ada, Boise, Canyon, Elmore, Gem, Owyhee, and Payette.
What Are Your Medicare Options?
Once you qualify to enroll in Medicare, it’s important that you understand your options and which plan would work best for you.
For many people who get Social Security benefits, they will be automatically enrolled in Original Medicare, which is Medicare Part A and B. Medicare Part A will be your inpatient hospital insurance and Medicare Part B will be your outpatient medical insurance.
Now, Original Medicare won’t provide prescription drug coverage, but there’s no worry there. You can always enroll in a standalone Medicare Part D prescription drug plan.
You can also enroll in a Medicare Supplement (Medigap) plan to help you cover out-of-pocket costs like deductibles or copayments. These Medigap plans won’t provide coverage for prescription drugs. However, you can be enrolled in Original Medicare, a Part D plan, and a Medigap plan all at the same time to make the most of your coverage.
Suppose you like the coverage provided to you by Original Medicare, but you just want a single plan that can provide you more coverage too. Well, then you can look into joining a Medicare Advantage plan. Medicare Advantage plans, or Medicare Part C, will provide the same coverage as Original Medicare, but include additional benefits such as prescription drug, dental, vision, and hearing coverage, and sometimes more. However, keep in mind that when you join a Medicare Advantage plan, you cannot be enrolled in a Medicare Supplement plan.
We’re Here To Help!
At Generations Insurance, we care about your coverage needs. That’s why we are here to help you learn about your qualifications for Medicare and what you can expect from each plan. For more information about qualifying for Medicare in Idaho, specifically in the counties of Ada, Boise, Canyon, Elmore, Gem, Owyhee, and Payette, give us a call today.
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