Medicare Supplement Plans in Idaho

Medicare Supplement plans in Idaho are a way to help Medicare beneficiaries cover the gaps left in their Medicare coverage. Private insurance companies sell these plans, also known as Medigap policies. You must sign up for Social Security through the federal Medicare program to get Medicare benefits. Medicare has four parts:

Medicare Part A and Medicare Part B are known as Original Medicare. Medicare Supplement plans in Idaho only work with Original Medicare.

Medicare Supplement Plan options in Idaho:

The best Medicare Supplement plan in Idaho is different for each individual. Here’s how the top 3 compare.

Medicare Supplement Plan F

  • Medicare Plan F covers Part A and Part B deductibles, coinsurance, copayments, and Part B excess charges
  • Higher premiums for extensive coverage
  • Only available to beneficiaries whose Medicare eligibility date is before Jan. 1, 2020

Medicare Supplement Plan G

  • Medicare Plan G covers everything except Part B deductible
  • Less expensive than Plan F
  • Offers the most coverage for seniors eligible for Medicare after Jan. 1, 2020

Medicare Supplement Plan N

  • Medicare Plan N offers lower premiums in exchange for more cost-sharing
  • $20 office copayment
  • $50 ER copayment (copay waived if you’re admitted)
  • Covers Part B coinsurance after copay is met
  • Covers Part A deductible
  • Does not cover Part B excess charges

Top Medicare Supplement Insurance Companies in Idaho

Many carriers sell Medigap insurance in Idaho, but these three rank at the top for quality and excellence:

  • Aetna: A rating, 168 years experience, 12-month rate lock
  • Cigna: A rating, 229 years experience, household discounts
  • Mutual of Omaha: A+ rating, 112 years experience, offers Medicare Part D plans

Medicare Supplement Insurance Cost in Idaho

The cost of a Medigap insurance plan in Idaho varies based on age, where you live, and the amount of coverage needed. Here’s a comparison for a 65-year-old, nonsmoking female living in Boise zip code 83701.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When Can I Enroll in a Medicare Supplement Plan?

Unlike a Medicare Advantage and Medicare Part D plan, a Medicare Supplement insurance plan in Idaho doesn’t have an annual enrollment period. The optimal time to enroll is during your Medigap Open Enrollment Period. The OEP is a six-month time period when you:

  • Have turned 65 and
  • Are enrolled in Medicare Part B

During open enrollment, you have guaranteed issue rights. This means the Medicare insurance company can’t do the following:

  • Deny you coverage
  • Charge you more based on health history or pre-existing conditions
  • Require medical underwriting

There are a few other times when you can enroll in a Medicare Supplement insurance plan in Idaho and have guaranteed issue rights. Our agents can provide more information on these situations. The effective date of your policy is 30 days after you enroll.

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Idaho Medicare Resources

Idaho Enrollment Statistics

  • The five largest counties in Idaho are Ada County, Canyon County, Kootenai County, Bonneville County, and Bannock County.
  • In 2018, more than 200,000 Idaho residents signed up for Original Medicare insurance. Approximately half of those beneficiaries also enrolled in Medicare Supplement plans or Medicare Advantage.
  • In 2018, just over 74,000 beneficiaries signed up for Medicare Supplement insurance plans in Idaho. That reflects an increase from under 68,000 Idaho Medigap beneficiaries in 2015.