Idaho Medicare Supplement Plans

Here in the Gem State of Idaho, about 13 percent of the population relies upon Medicare for health benefits. While MA plans have become increasingly popular, about a quarter of senior citizens still choose Medicare Supplement plans in Idaho. To help you find the right solution for your own health care needs and budget, consider some examples of typical beneficiaries who choose Medigap plans in Idaho. You must have Original Medicare Part A and B in place to be eligible for a Medigap plan.

By the way, we know that each beneficiary has unique health needs. That’s why we have made it as simple as possible to run a quick comparison of different Medicare Supplement plan options. Simply enter your zip code on the quote box to compare Medicare Supplement plans in Idaho right from your computer or handheld.

Rates on Medicare Supplement Plans in Idaho Examples

Consider the case of Joan and Bob in Idaho Falls. They have delayed taking Medicare because they had excellent health insurance from Joan’s employer. Now that this is ending, they want to enjoy the same stable benefits and freedom to select a variety of different doctors. This couple chose to compare Medicare Supplement plans in Idaho instead of Medicare Advantage to enjoy freedom and stability.

As another example, Dawn is a widow from Meridian who wants to spend time traveling around the country to visit grandchildren. She even plans to leave the country at some point. She is healthy but hopes to be able to obtain medical services on the road or even overseas in case of an emergency. Joan doesn’t care to concern herself with a limited HMO provider network as offered by many MA policies. She believes a Medicare Supplement plan will save her time and money because it will be more flexible and easier to use.

How are Medicare Supplement Plans in Idaho Different then MA Plans?

The big difference between these two kinds of programs is that MA actually replaces traditional Medicare Plan A and B. Meanwhile, Medicare Supplement plans in Idaho work with original Medicare and fill in the gaps for those things that original Medicare doesn’t cover.

While it is still possible to find some Idaho MA options, they are becoming less common. Those that still don’t charge additional premiums are demanding more cost-sharing from their members. This could mean higher out-of-pocket medical expenses as time passes.

On the other hand, Medicare Supplement plans in Idaho always come with a premium. However, benefits have been very stable over time. Many Medicare supplements minimize or even eliminate the chance of high out-of-pocket medical costs.

While MA choices may come with drug coverage and additional benefits for medical services like vision or dental, supplements only come with the standard benefits that have been laid out by the Center for Medicare and Medicaid. These standardized Medicare Supplement plan benefit levels are named with letters from A to N. While all of these levels contain certain basic coverage, like Part A hospital coinsurance, some provide a lot more.

These are brief examples of Idaho Medicare Supplement plan levels:

Plan A and B: These two levels are similar and provide primary benefits.
Medigap Plan G and F: These are the most popular levels, and they provide more comprehensive benefits.
Plan K, L, and N: These three levels cover quite a bit but require more sharing of costs in exchange for typically lower premiums.

Medicare Supplement Plan Rates in Idaho

Of course, higher levels of coverage are associated with higher prices. These are some sample monthly rates for an Idaho Medicare Supplement plan for a male in Boise who is 65 and does not smoke:

High deductible plan F: $58.30
Medicare Plan F: $156.98
Plan C: $171.50
Plan A: $126.83
Medicare Plan N: $116.83

Please note: These are merely sample prices that were pulled from top Medicare Supplement plan insurers like United of Omaha, Humana, and Medico. They could vary because of insurer, city, age, or sometimes, medical underwriting.

Some top Medicare Supplement plan insurers in Idaho include:

Find the Best Medicare Supplement Plans in Idaho

The best way to start shopping for Medicare Supplement plans in Idaho is to find local options. Insurers do not have to do business in every Idaho county or offer all possible options if they do. Residents of Pocatello and Nampa will have different choices than Medicare beneficiaries who live in Boise and Idaho Falls. Moreover, insurers are free to set their own prices for each Medicare Supplement plan in Idaho, so shopping around can save money.

To compare policies and rates, just enter your zip code in the box on this page. If you would rather call, you are also welcome to use our toll-free phone number. We hope to help our visitors enjoy affordable prices and great Medigap plan benefits.

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