Our Idaho City Office
Most of our clients meet with us by Zoom or phone. Idaho City is different: it is where our in-person office is, and the one place in Idaho we sit down with clients face to face. It is open by appointment only, so call or text 208-350-9933 first and we will set a time that works for you.
Bring your Medicare card, your list of prescriptions with doses, and the names of the doctors you want to keep. If we will be talking about specific Medicare plans, we will send a short Scope of Appointment form first, which Medicare requires in writing for an in-person meeting.
Medicare in Idaho City at a Glance
Idaho City is small and its residents skew older than the state. The Census Bureau's 2023 American Community Survey counts 556 residents, and 147 of them, about 26.4%, are 65 or older. That is close to double Boise's share.
| Measure | Idaho City |
|---|---|
| Total population | 556 |
| Residents aged 65 and over | 147 (26.4%) |
| County for Medicare plan purposes | Boise County |
Source: U.S. Census Bureau, ACS 2023 5-year Data Profile DP05, Idaho City city, Idaho, accessed October 26, 2026. Small-place survey figures carry wide margins of error.
The CDC's county estimates point the same way. In Boise County, 38% of adults have high blood pressure, 12.1% have diabetes and 8.1% have coronary heart disease (CDC PLACES, 2023 release). Those are the conditions where a plan's drug list, specialist network and out-of-pocket maximum matter most.
Idaho City Medicare Advantage by the Numbers, 2027
Medicare Advantage plans are sold county by county, so Idaho City residents choose from the Boise County lineup. For 2027 CMS lists 14 Medicare Advantage plans in Boise County, not counting Special Needs Plans, from 3 carriers: Humana, Blue Cross of Idaho, UnitedHealthcare.
| Measure | Boise County, 2027 |
|---|---|
| Plans available | 14 |
| Plans at a $0 Part C premium | 10 of 14 |
| Average Part C premium | $7.08 per month |
| Plans that include drug coverage | 9 of 14 |
| In-network out-of-pocket maximum, lowest to highest | $3,000 to $9,150 per year |
| Plans rated 4 stars or higher by CMS | 71% |
| Medicare Advantage members today (same plan IDs, October 2026) | 703 |
Source: CMS CY2027 Medicare Advantage and Part D Landscape file (202610) and CMS Monthly Enrollment by Contract, Plan, State and County, October 2026, accessed October 26, 2026. The $0 and average premium figures use the Part C premium; enrollment skips rows CMS suppresses for privacy, so it is a floor.
Most enrolled plans in Boise County
| Plan | Type | CMS 2027 rating | Members |
|---|---|---|---|
| True Blue Rx 33 (HMO) Blue Cross of Idaho | HMO | 3.0 of 5 | 387 |
| Humana Value Choice (PPO) Humana | PPO | 4.5 of 5 | 77 |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS) UnitedHealthcare | HMO-POS | 4.0 of 5 | 55 |
| Humana Value Choice (PPO) Humana | PPO | 4.0 of 5 | 53 |
| Secure Blue Courage (PPO) Blue Cross of Idaho | PPO | Not rated | 27 |
Source: CMS monthly enrollment, October 2026, matched to the same plan IDs in the CY2027 Landscape file. Popularity is not a recommendation.
Every 2027 Medicare Advantage Plan Available in Idaho City
HMO plans (5)
An HMO keeps your care inside one network and usually asks you to pick a primary care doctor who coordinates referrals. Premiums and copays tend to be the lowest of the plan types, and the trade is that out-of-network care generally is not covered except in an emergency.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus H2486-005 (HMO) Humana | 4.0 of 5 4 stars or higher | $0 | $6,520 | $300 | H2486_005 |
| Humana Total Complete (HMO) Humana | 4.0 of 5 4 stars or higher | $0 | $6,660 | $700 | H5619_177 |
| True Blue Rx 32PSP (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $0.10 | $5,900 | $205 | H1350_032 |
| True Blue Valor (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $34 | $3,000 | No drug coverage | H1350_006 |
| True Blue Rx 33 (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $64 | $5,900 | $205 | H1350_033 |
Source: CMS CY2027 Landscape file (202610), accessed October 26, 2026.
PPO plans (7)
A PPO lets you see providers outside the network, at a higher share of the cost, and does not normally require referrals. That flexibility matters most when your doctors are split across different health systems, or when you spend part of the year somewhere else.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| Secure Blue Courage (PPO) Blue Cross of Idaho | Not rated Not rated by CMS | $0 | $5,200 | No drug coverage | H1302_004 |
| HumanaChoice H5216-048 (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $7,000 | $700 | H5216_048 |
| Humana Value Choice (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $7,000 | $700 | H5216_132 |
| Humana USAA Honor Giveback (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $9,150 | No drug coverage | H5216_427 |
| Humana USAA Honor Giveback (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $5,100 | No drug coverage | H5216_455 |
| Humana Full Access (PPO) Humana | 4.5 of 5 4 stars or higher | $0 | $5,900 | $700 | H7617_028 |
| Humana Value Choice (PPO) Humana | 4.5 of 5 4 stars or higher | $0 | $7,150 | $700 | H7617_031 |
Source: CMS CY2027 Landscape file (202610), accessed October 26, 2026.
HMO-POS plans (2)
HMO-POS is an HMO with a point-of-service option bolted on, so a defined set of services can be used out of network at a higher cost share. Which services qualify varies plan by plan, so it is worth reading that part of the benefit summary closely.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) UnitedHealthcare | 4.0 of 5 4 stars or higher | $0 | $6,700 | No drug coverage | H4604_019 |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS) UnitedHealthcare | 4.0 of 5 4 stars or higher | $1 | $6,300 | $685 | H4604_012 |
Source: CMS CY2027 Landscape file (202610), accessed October 26, 2026.
How CMS rates these plans for 2027
| Rating | Plans | Share |
|---|---|---|
| 4.5 stars | 2 | 14% |
| 4.0 stars | 8 | 57% |
| 3.0 stars | 3 | 21% |
| Not rated by CMS | 1 | 7% |
Source: CMS CY2027 Landscape file (202610), which added the 2027 Star Ratings on October 18, 2026. A plan too new to rate is not the same as a low score.
Special Needs Plans for Idaho City Residents
Boise County also has 7 Special Needs Plans for 2027. Medicare sets who qualifies, and we check eligibility against your records rather than assuming. The Chronic Condition plans here are built around cardiovascular disorders, chronic heart failure and diabetes.
| Type | Plans | Who it is for |
|---|---|---|
| Dual Eligible Special Needs Plans (D-SNP) | 4 | for people who qualify for both Medicare and Medicaid |
| Chronic Condition Special Needs Plans (C-SNP) | 3 | for people living with specific chronic conditions named by the plan |
Source: CMS CY2027 Landscape file (202610), accessed October 26, 2026.
Standalone Part D Plans in Idaho City
If you keep Original Medicare, alone or with a Medigap policy, you add a standalone Part D plan. Idaho has 8 for 2027, all sold statewide. For 2027 the standard deductible is $700 and out-of-pocket spending on covered drugs is capped at $2,400 for the year, per the CMS CY2027 Rate Announcement.
| Plan | Benefit | Monthly premium | Deductible |
|---|---|---|---|
| Wellcare Classic (PDP) Wellcare | Basic | $7.30 | $700 |
| Humana Basic Rx Plan (PDP) Humana | Basic | $30.60 | $700 |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare | Basic | $92.70 | $700 |
| HealthSpring Assurance Rx (PDP) HealthSpring | Basic | $94.80 | $700 |
| Wellcare Value Script (PDP) Wellcare | Enhanced | $5.30 | $700 |
| Humana Value Rx Plan (PDP) Humana | Enhanced | $34.70 | $687 |
| Humana Premier Rx Plan (PDP) Humana | Enhanced | $134 | $350 |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare | Enhanced | $238 | $300 |
Source: CMS CY2027 Landscape file (202610); deductible and cap from the CMS CY2027 Rate Announcement, accessed October 26, 2026. The premium is only part of the cost; your drug list decides the rest.
Want the whole county picture, including the health profile and Medigap basics? See our Boise County Medicare guide.
What We Weigh for Idaho City Clients
- Where your specialists are. Many Boise County residents see specialists in the Treasure Valley. We check each doctor and clinic by name against the 2027 directory of every plan we compare.
- Telehealth and mail-order pharmacy. Benefits differ plan by plan, and they are worth comparing when your pharmacy is not around the corner.
- The out-of-pocket maximum. In Boise County it runs from $3,000 to $9,150 a year for 2027. If you expect a procedure, that number tells you more than the premium.
Ready? Call or text 208-350-9933 to book Idaho City, Zoom or phone. We can't wait to work with you.
Book a time at our Idaho City office
Call or text 208-350-9933 and we will set an appointment in Idaho City, or by Zoom or phone if that is easier. Bring your doctors and prescriptions.
Call or text 208-350-9933 Send us a messageFrequently Asked Questions
Can I meet with Personal Touch in person in Idaho City?
Yes. Our Idaho City office is the one place we meet clients face to face, by appointment only. Call or text 208-350-9933 to set a time. Zoom and phone appointments are available too, with the same full comparison.
How many Medicare Advantage plans are available in Idaho City for 2027?
14, not counting Special Needs Plans. Idaho City is in Boise County, and CMS lists 14 Medicare Advantage plans there for 2027 from 3 carriers, 10 of them at a $0 Part C premium.
Are Idaho City plans the same as Boise plans?
No. Plans are filed county by county. Boise County has 14 Medicare Advantage plans for 2027, compared with 19 in Ada County, so a plan a friend in Boise has may not be sold here. We pull the Boise County list for your address.
Which Special Needs Plans are sold in Boise County?
Boise County has 7 Special Needs Plans for 2027: 4 for people with both Medicare and Medicaid and 3 for people with specific chronic conditions. Medicare sets eligibility, so we check it against your records.
When can I change my Medicare plan for 2027?
The Medicare Annual Enrollment Period runs October 15 to December 7, 2026 for coverage starting January 1, 2027. If you are on a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 allows one more change.
Does it cost anything to compare plans with Personal Touch?
No. Our help is free, and your premium is the same whether you enroll with us or on your own.
Keep Reading
Sources
- CMS CY2027 Medicare Advantage and Part D Landscape file (202610), accessed October 26, 2026
- CMS Monthly Enrollment by Contract, Plan, State and County, October 2026, accessed October 26, 2026
- CMS CY2027 Medicare Advantage and Part D Rate Announcement (Part D deductible and out-of-pocket threshold), accessed October 26, 2026
- U.S. Census Bureau, ACS 2023 5-year Data Profile DP05, Idaho City city, Idaho, accessed October 26, 2026
- CDC PLACES county data (2023 release), accessed October 26, 2026
Figures are labelled with the year they apply to and were checked against the official sources above on the date shown. This page is general education, not individual advice. Personal Touch Ins. & Benefits, LLC is not connected with or endorsed by the U.S. government or the federal Medicare program.