Teton Valley SHIBA
Nicki Karst
Ken Kirkpatrick
State: https://doi.idaho.gov/shiba/
Local: https://tetonseniors.com/medicare
Appointments: 765-720-7779

Medicare Overview

https://www.medicare.gov/basics/costs/medicare-costs

Medicare.gov Overview

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1. Create Account requires Medicare card
2. Review Current Plans
3. Find health and drugs plans
4. Edit My Pharmacies
5. Edit My Drug List

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1. Medigap Policy
   Must have Medicare Part A & B (late enrollment penalty 10% per year)
   Plans A – N
   Plans and Rates in Idaho: https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/
   Guaranteed Issue vs. Underwriting
   Idaho Birthday Rule
   
2. Medicare Drug plan (Part D)
   Late enrollment penalty (1% per month)
   Premium
   Drug Cost (Copay)
   Deductible
   Changes: No Coverage Gap, Lower Maximum ($2000)
   Plan Details
   Plan Compare
   Enrollment
   
3. Medicare Advantage Plan (Part C)
   Referral/Advance Approval
   In Network
   Benefits & Cost
   Plan Types: HMO-POS, PPO
   Changing Plans: Open Enrollment (Oct-Dec), Advantage Open Enrollment (Jan-Mar), p.71-72
   Changing back to Medigap (1 year) p. 78