Payette County, Idaho
Medicare Plans in Payette County, Idaho: Your Complete 2027 Guide
16 Medicare Advantage plans are available to Payette County residents for 2027, 11 of them at a $0 Part C premium, and 1,845 of your neighbors are already enrolled in one. 10 include Part D drug coverage, and 63% are rated 4 stars or higher by CMS. Here is the whole picture, county by county, with every figure traced to a published CMS file.
Page last reviewed: · Plan data: CMS CY2027 Landscape file (202610) · Enrollment data refreshed: CMS monthly file, October 2026 · Reviewed by the Personal Touch Ins. & Benefits Data Desk
Every figure on this page comes from the CMS CY2027 Landscape file and the CMS October 2026 enrollment file. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 300 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Plan availability and benefits change each plan year, so confirm anything here with a licensed agent before you enroll.
Know your numbers
Payette County Medicare Advantage by the Numbers, 2027
Medicare Advantage and MAPD plans sold in Payette County for the 2027 plan year. Special Needs Plans are counted separately further down, and standalone Part D plans are statewide.
| Measure | Payette County |
|---|---|
| Plans available | 16 |
| Average Part C premium | $8.75 per month |
| Average consolidated Part C + D premium | $36.40 per month |
| Plans at a $0 Part C premium | 11 of 16 |
| Plans that include drug coverage | 10 of 16 |
| Lowest in-network out-of-pocket maximum | $3,000 per year |
| Average in-network out-of-pocket maximum | $6,361 per year |
| Highest in-network out-of-pocket maximum | $9,150 per year |
| Average Part D deductible on drug-covering plans | $559.50 per year |
| Plans rated 4 stars or higher by CMS | 63% |
| Average CMS star rating | 3.73 of 5 |
| Total Medicare Advantage enrollment | 1,845 residents |
| Carriers selling here | 4 |
Premium note: the $0 and average premium figures use the Part C premium, which is how CMS headlines them. Where a plan bundles drug coverage, the consolidated Part C + D premium is shown on its own line and is usually higher. Enrollment counts exclude plans whose enrollment CMS suppresses for privacy, so the true total is slightly higher than shown.
Most Enrolled Medicare Advantage Plans in Payette County
These are the plans the most Payette County residents are actually enrolled in, from the CMS October 2026 enrollment file, matched to the same CMS plan IDs offered for 2027, so a plan that is new for 2027 shows no members yet. Popularity is not a recommendation. It tells you which networks are widely accepted locally, which is a useful starting point and nothing more.
| # | Plan | Type | CMS rating | Enrolled |
|---|---|---|---|---|
| 1 | True Blue Rx 33 (HMO) Blue Cross of Idaho | HMO | 3.0 of 5 | 689 |
| 2 | AARP Medicare Advantage from UHC ID-0005 (HMO-POS) UnitedHealthcare | HMO-POS | 4.0 of 5 | 354 |
| 3 | Humana Value Choice (PPO) Humana | PPO | 4.5 of 5 | 193 |
| 4 | Humana Value Choice (PPO) Humana | PPO | 4.0 of 5 | 188 |
| 5 | True Blue Rx 32PSP (HMO) Blue Cross of Idaho | HMO | 3.0 of 5 | 93 |
Plan types
Medicare Advantage Plan Types Sold in Payette County
3 plan types are sold here. They work differently from each other, and the difference matters more than the premium.
HMO plans in Payette County
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.
- 5 plans available, 2 at a $0 Part C premium
- Average Part C premium $19.62 per month
- Average in-network out-of-pocket maximum $5,596 per year
- 865 Payette County residents enrolled
- Most enrolled: True Blue Rx 33 (HMO) with 689 members
- 1 plan does not include drug coverage, so you would pair it with a standalone Part D plan
| 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 |
PPO plans in Payette County
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.
- 7 plans available, 7 at a $0 Part C premium
- Average Part C premium $0 per month
- Average in-network out-of-pocket maximum $6,643 per year
- 566 Payette County residents enrolled
- Most enrolled: Humana Value Choice (PPO) with 193 members
- 3 plans do not include drug coverage, so you would pair them with a standalone Part D plan
| 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 |
HMO-POS plans in Payette County
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.
- 4 plans available, 2 at a $0 Part C premium
- Average Part C premium $10.47 per month
- Average in-network out-of-pocket maximum $6,825 per year
- 414 Payette County residents enrolled
- Most enrolled: AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with 354 members
- 2 plans do not include drug coverage, so you would pair them with a standalone Part D plan
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| PacificSource Medicare Idaho Basic (HMO-POS) PacificSource Medicare | 3.0 of 5 Below 3.5 stars | $0 | $7,150 | No drug coverage | H3864_050 |
| 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 |
| PacificSource Medicare River Select Rx (HMO-POS) PacificSource Medicare | 3.0 of 5 Below 3.5 stars | $40.90 | $7,150 | $700 | H3864_049 |
Star ratings are the CMS Overall Star Rating published for the 2027 plan year. A plan shown as not rated is usually too new for CMS to score, which is not the same as scoring badly.
How CMS Rates Payette County Plans
CMS scores Medicare Advantage contracts once a year on roughly forty measures covering clinical quality, member experience and customer service. Here is how the 16 Payette County plans fall out for 2027.
| Rating | Plans | Share of plans |
|---|---|---|
| 4.5 stars | 2 | 13% |
| 4.0 stars | 8 | 50% |
| 3.0 stars | 5 | 31% |
| Not rated by CMS | 1 | 6% |
No Payette County plan carries a full 5 star rating for 2027. That is common outside the largest metros and is not a red flag on its own, but it does mean the 5 star Special Enrollment Period is not available on a local plan this year.
Health Profile: Chronic Conditions in Payette County
Plan choice is not just arithmetic. The conditions that are common where you live shape which drug lists, specialist networks and plan types actually matter. These are the CDC's model-based estimates for Payette County adults, measured against the Idaho average.
Adult prevalence in Payette County vs Idaho (2023)
Source: CDC PLACES: Local Data for Better Health, County Data (2023 release), crude prevalence among adults. Idaho figures are population-weighted averages computed across all 44 counties from the same CDC table.
Based on an estimated 20,474 adults in a total county population of 27,279 (CDC PLACES, 2023 release).
Special Needs Plans in Payette County
Payette County has 8 Special Needs Plans for 2027: 4 for people who have both Medicare and Medicaid, 3 built around specific chronic conditions and 1 for people living in a facility or needing that level of care. The chart above matters here. Payette County runs above the Idaho average for diagnosed diabetes and coronary heart disease and high blood pressure, and the county's Chronic Condition plans are built specifically around cardiovascular disorders, chronic heart failure and diabetes. Whether one of them fits depends on your actual diagnoses, which we check against the current plan list rather than assuming.
| SNP 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 |
| Institutional Special Needs Plans (I-SNP) | 1 | for people who live in a nursing home or need that level of care at home |
Dual Eligible Special Needs Plans (D-SNP)
| Plan | CMS rating | Enrolled |
|---|---|---|
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Utah & Idaho | 3.0 of 5 | 159 |
| UHC Dual Complete ID-Y1 (HMO-POS D-SNP) UnitedHealthcare | Not rated | 126 |
| UHC Dual Complete ID-QV1 (HMO-POS D-SNP) UnitedHealthcare | Not rated | 63 |
Chronic Condition Special Needs Plans (C-SNP)
| Plan | CMS rating | Enrolled |
|---|---|---|
| UHC Complete Care Support ID-1A (PPO C-SNP) UnitedHealthcare · cardiovascular disorders,chronic heart failure,diabetes mellitus | 4.5 of 5 | 70 |
| UHC Complete Care ID-12 (HMO-POS C-SNP) UnitedHealthcare · cardiovascular disorders,chronic heart failure,diabetes mellitus | 4.0 of 5 | 64 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · cardiovascular disorders,chronic heart failure,diabetes mellitus | 4.5 of 5 | 16 |
Institutional Special Needs Plans (I-SNP)
| Plan | CMS rating | Enrolled |
|---|---|---|
| American Health Advantage of Idaho (HMO I-SNP) American Health Advantage of Utah | Not rated | Not published |
Eligibility for any Special Needs Plan is set by Medicare, not by us. We will tell you plainly if you do not qualify. Enrollment shown as not published means CMS suppresses that plan's county count for privacy.
Standalone Part D Drug Plans
A standalone Part D plan is what you add when your medical coverage does not already include drugs. That means people on Original Medicare, people who pair Original Medicare with a Medigap policy, and anyone on a Medicare Advantage plan that does not bundle Part D. Idaho has 8 standalone Part D plans for 2027, and every one of them is sold statewide, so the list below is the same in Payette County as it is in Boise.
For 2027 the standard Part D deductible is capped at $700, and your out-of-pocket spending on covered drugs is capped at $2,400 for the year. What separates these plans is the formulary, meaning the plan’s list of covered drugs and the pricing tier each one sits on, plus the pharmacy network and the tier your specific prescriptions land on, which is why we run your actual drug list rather than comparing premiums.
| Plan | Monthly premium | Annual deductible |
|---|---|---|
| Wellcare Classic (PDP) Wellcare | $7.30 | $700 |
| Humana Basic Rx Plan (PDP) Humana | $30.60 | $700 |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare | $92.70 | $700 |
| HealthSpring Assurance Rx (PDP) HealthSpring | $94.80 | $700 |
| Plan | Monthly premium | Annual deductible |
|---|---|---|
| Wellcare Value Script (PDP) Wellcare | $5.30 | $700 |
| Humana Value Rx Plan (PDP) Humana | $34.70 | $687 |
| Humana Premier Rx Plan (PDP) Humana | $134 | $350 |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare | $238 | $300 |
Basic plans follow Medicare's defined standard benefit or an actuarially equivalent version of it. Enhanced plans add coverage beyond the standard benefit, often a lower or waived deductible, usually for a higher premium. A higher premium does not automatically mean lower total cost for you, and that is the calculation we run.
Medicare Supplement (Medigap) in Payette County
Medigap is the other path. Instead of replacing Original Medicare the way a Medicare Advantage plan does, a Medigap policy sits alongside it and pays the deductibles and coinsurance Original Medicare leaves behind. There is no network, so any provider in the country who accepts Medicare accepts your Medigap plan. That freedom is the whole point of it.
| Question | Medigap |
|---|---|
| Works with Original Medicare | Yes, that is the design |
| Has a provider network | No, any provider who accepts Medicare |
| Includes drug coverage | No, you add a standalone Part D plan |
| Benefits standardized by law | Yes, Plan G is Plan G at every carrier |
| Medical underwriting | Usually none during your Medigap Open Enrollment, often required after |
Two Idaho timing rules are worth knowing. Your six month Medigap Open Enrollment starts the month you are 65 and enrolled in Part B, and during it a carrier cannot turn you down or charge you more for your health history. After that, Idaho's birthday rule gives you a window of roughly 63 days starting on your birthday each year to switch to a plan with equal or lesser benefits without answering health questions. Moving to richer benefits usually means underwriting, which is why the plan you start with matters more than people expect.
We do not publish Medigap premiums here. Rates vary by carrier, age, ZIP code, tobacco use and household discount, and any number we printed would be wrong for most readers. Call 208-350-9933 and we will quote the carriers we represent against your actual details. See our Medicare Supplement page or compare with the Medigap cost comparison calculator.
Where Payette County Residents Get Care
Southwest Idaho sits within reach of the Treasure Valley's big systems, but "within reach" and "in network" aren't the same thing. Plans that look identical on paper can treat your local clinic and your Boise specialist completely differently, which is exactly what our comparison catches.
| County seat | Payette |
| Communities we serve | Payette, Fruitland, New Plymouth, and everywhere between |
| Population | 27,279 (CDC PLACES, Census-derived) |
| Region | Southwest Idaho |
| Hospital systems serving the area | Saint Alphonsus Fruitland and the Treasure Valley systems, among others. Networks vary by plan, so we verify yours before you enroll |
| How we serve it | By Zoom or phone, statewide. Same full comparison, no travel |
How We Help in Payette County
- Pull the current Payette County plan lineup, which is set county by county and changes every year
- Verify your exact doctors and clinics around Payette against each plan's network before you enroll
- Run your actual prescription list against each plan's formulary and preferred pharmacies, including mail order
- Compare Medigap options that work with any doctor who accepts Medicare, anywhere you travel
- Check whether you qualify for a Special Needs Plan, Extra Help or a Medicare Savings Program
- Re-check your coverage every Annual Enrollment Period, because plans change and so should the comparison
Run the numbers yourself
Free Tools for Payette County
Free, no sign-up, nothing saved. These run in your browser, and an AI assistant can call them directly through our published tool manifest.
Enrollment window finder
Tell it your birthday and situation and it tells you which enrollment window you are in and when it closes.
Find my window →Medigap cost comparison
Compare what Plan G and Plan N would cost you across a year, including the gaps each one leaves.
Compare Medigap →Late penalty estimator
See what a late Part B or Part D enrollment would add to your premium, for as long as you have Medicare.
Estimate the penalty →All 10 calculators are on the calculators page.
When Can Payette County Residents Enroll or Switch?
- Initial Enrollment Period. A seven month window around your 65th birthday, three months before through three months after. This is the cleanest time to start, with no penalties and no health questions for Medigap. See our turning 65 checklist.
- Annual Enrollment Period, October 15 to December 7. Join, drop or switch Medicare Advantage and Part D plans for the coming year. Coverage starts January 1. Our enrollment periods guide walks through every window.
- Medicare Advantage Open Enrollment, January 1 to March 31. If you are already in a Medicare Advantage plan you get one switch, or you can drop back to Original Medicare and add a Part D plan.
- Special Enrollment Periods. Moving, losing employer coverage, losing Medicaid or a plan leaving your county each open a window outside the normal seasons. Most run 60 days.
- Your birthday, every year after. Idaho's Medigap birthday rule gives you roughly 63 days to switch to an equal or lesser Medigap plan with no health questions.
Plan availability in Payette County
The 16 Medicare Advantage plans on this page are the ones CMS lists as available to Payette County residents for 2027, covering Payette, Fruitland, New Plymouth. To enroll in any of them you must already have Medicare Part A and Part B and live in the plan's service area. You can enroll through a licensed agent like us at no cost to you, directly with the plan, or on your own through Medicare.
Every appointment happens over Zoom or the phone, so where you are in the county makes no difference to the help you get.
Official Resources We Walk You Through in Payette County
A few parts of Medicare are handled by the government directly. Here is where those live, and we walk Payette County clients through every one of them.
- Social Security handles Medicare enrollment itself. Apply online in about ten minutes at ssa.gov/medicare or call 1-800-772-1213.
- Extra Help lowers Part D premiums and copays for people with limited income and resources. Payette County residents apply through Social Security.
- Your Health Idaho is the state's official exchange for anyone under 65, at yourhealthidaho.org. Idaho runs its own exchange, so ACA coverage here never goes through the federal site.
- Veterans. VA coverage and Medicare can work alongside each other, and holding both is common. VA care does not count as creditable drug coverage in every case, so it is worth checking before you skip Part D. Start at va.gov/health-care.
Common questions
Payette County Medicare FAQs
How many Medicare Advantage plans are available in Payette County?
16 for the 2027 plan year, from 4 carriers, and 11 of them carry a $0 Part C premium. 10 include Part D drug coverage built in. Plan lineups are set county by county and change every year, so this is the current Payette County list rather than a statewide average.
What does a Medicare Advantage plan cost in Payette County?
The average Part C premium across the 16 local plans is $8.75 a month, and 11 charge nothing at all for Part C. The premium is the small number, though. The one that decides a bad year is the in-network out-of-pocket maximum, which runs from $3,000 to $9,150 here and averages $6,361. You still pay your Part B premium to Medicare either way.
Are there Medicare plans in Payette County for people with diabetes or heart conditions?
Yes. Payette County has 3 Chronic Condition Special Needs Plans for 2027, built around cardiovascular disorders, chronic heart failure and diabetes. These plans tailor the drug list and specialist access to the condition. Eligibility is set by Medicare and requires a qualifying diagnosis, so we verify it against your records rather than assuming. There are also 4 Dual Eligible plans for people with both Medicare and Medicaid and 1 Institutional plans.
Which standalone Part D drug plan should I pick?
Idaho has 8 standalone Part D plans for 2027, 4 basic and 4 enhanced, and all of them are sold statewide rather than county by county. The right one depends entirely on your prescriptions, because the same drug can sit on a cheap tier in one plan and an expensive tier in another. For 2027 the standard deductible is capped at $700 and your out-of-pocket drug spending is capped at $2,400. We run your actual list through each plan rather than comparing premiums.
Is Medigap or Medicare Advantage better in Payette County?
Neither is better in the abstract, and anyone who tells you otherwise is selling something. Medigap pairs with Original Medicare, has no network so any provider who accepts Medicare accepts it, and needs a separate Part D plan. Medicare Advantage bundles everything, usually costs less month to month, and ties you to a network. In a county like Payette the deciding question is usually whether the providers you actually use are inside a local plan's network, and how far you travel for specialist care. We lay both paths side by side and you decide.
Do you have an office in Payette County?
No, and you do not need us to. Every appointment happens over Zoom or the phone, so Payette County residents get exactly the same comparison as anyone else in Idaho without leaving Payette. Our mailing address is in Boise, and our Idaho City office in Boise County is the one place we meet face to face, by appointment.
Does your help cost anything?
Nothing, ever. Carriers pay us at rates set by CMS, and your premium is identical whether you enroll through an agent, directly with the plan, or on your own. The difference is that someone compared all 16 local Medicare Advantage options first and checked them against your doctors and prescriptions.
How do I get started?
Call 208-350-9933. Patricia answers, gathers the basics, your doctors, your medications and what matters most to you, and books a Zoom or phone appointment. Most Payette County comparisons take a single relaxed call.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 300 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Sources, Citations & Methodology
Every number on this page traces to a published federal file. Nothing here is estimated, scraped from a competitor, or filled in by hand.
| What it covers | Source | Retrieved |
|---|---|---|
| Plans, premiums, out-of-pocket maximums, deductibles, star ratings, SNP and Part D detail | CMS CY2027 Medicare Advantage and Part D Landscape file (202610) | October 25, 2026 |
| Plan-level enrollment by county | CMS Monthly Enrollment by Contract, Plan, State and County, October 2026 | October 25, 2026 |
| Idaho statewide Medicare totals | CMS 2027 Landscape State-by-State Fact Sheets | October 25, 2026 |
| 2027 Part D standard deductible and annual out-of-pocket cap | CMS CY2027 Rate Announcement (Part D parameters) | October 25, 2026 |
| Idaho Medigap birthday rule and state insurance rules | Idaho Department of Insurance | October 25, 2026 |
| Chronic condition prevalence and county population | CDC PLACES county data (2023 release) | October 25, 2026 |
Methodology
Medicare Advantage figures count every non-SNP MA and MAPD plan CMS lists for Payette County in the CY2027 Landscape file. Special Needs Plans are excluded from those counts and reported in their own section, and standalone Part D plans are statewide and never counted as Medicare Advantage plans. Averages are unweighted means across the plans in each group, rounded to the cent. The $0 premium and average premium headlines use the Part C premium, which is the figure CMS headlines; where a plan bundles drug coverage the consolidated Part C plus D premium is reported separately and labeled. Star ratings are the published CMS Overall Star Rating, and plans CMS has not rated are shown as not rated rather than counted as low. Enrollment comes from the CMS October 2026 monthly file, and rows CMS suppresses for privacy are skipped rather than estimated, which makes every enrollment total on this page a floor. Chronic condition prevalence is CDC PLACES model-based small area estimation from BRFSS survey responses, not a direct count, and the Idaho comparison figures are population-weighted averages we computed across all 44 counties from the same CDC table.
Compiled and reviewed by the Personal Touch Ins. & Benefits Data Desk. This page is educational and is not a plan recommendation, a quote, or a statement that any plan is best for you. Confirm anything here with a licensed agent before you enroll.
Ready for an Honest Comparison in Payette County?
We will pull all 16 Medicare Advantage plans available where you live, check them against your doctors and your prescriptions, and tell you plainly which ones deserve a look. Free, over Zoom or the phone, with zero pressure.
Nearby: Adams County · Elmore County · Gem County · All 44 Idaho counties