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What Medigap Plans are in Idaho? – When Can I apply?

As a way to protect Medicare beneficiaries from the deductibles, coinsurance, copayments, and uncovered medical service gaps left by Original Medicare, Medicare Supplement plans in Idaho remain a popular choice. Before you make a final decision about your own Medicare Supplement plan, read this concise overview of Medigap plans in Idaho, trends, and rules.

What is Medicare Supplement Insurance in Idaho?

Medicare Supplement plans in Idaho are designed to work with the Federal Medicare Program called Original Medicare (Medicare Part A and Part B).

Private insurance companies provide Medicare Supplement (Medigap) plans to be purchased by people who choose Original Medicare coverage.

The purpose of Medicare Supplement plans in Idaho is to help fill in the gaps left when Original Medicare pays its customary 80% of Medicare Approved charges. The Supplement plan pays all or most of the remaining 20% including Part B coinsurance and copayments.

Other out-of-pocket costs covered by some Medicare Supplement plans include the Medicare Part A deductible and coinsurance. The Part A deductible for 2021 is $1,484 and must be paid with each hospitalization.

What are the top five Medicare Supplement plans in Idaho for 2021?

1. Best plan for full coverage: Plan F

For an all-inclusive health care plan, your best choice has been Medigap insurance Plan F. Beneficiaries who became eligible for Medicare coverage prior to January 1, 2020 could enroll in Plan F. Anyone who became eligible for Medicare before that date but has not enrolled yet may still choose Plan F.

2. Best comprehensive coverage: Plan G

For people who are new to Medicare eligibility after January 1, 2020, Medicare Supplement plan G in Idaho offers the most extensive coverage. Plan G covers everything Plan F covered except the Medicare Part B deductible. Lower premiums with Plan G can more than compensate for the cost of the deductible.

Anyone who still has the option of enrolling in Medigap Plan F in Idaho should compare the savings that Plan G offers through lower premiums with the cost of Medigap Plan F benefits.

3. Best value: Plan N

Medicare Plan N covers most of the same benefits covered by Medicare Plan G.

Medicare beneficiaries who want a comprehensive medical plan with lower-cost monthly premiums may choose Medicare Plan N. One difference between these two plans is that Plan G covers the Part B Excess charges but Plan N does not.

Plan N has a $20 copay for doctor’s office visits and a $50 copay for ER visits that do not lead to hospitalization. Taking time to compare Plan N with Plan G is well worth the time and effort involved.

4. Best deductible plan: High Deductible Plan F

High Deductible Plan F is the same as the standard Plan F, but it requires the payment of a $2,370 yearly deductible before coverage becomes active.

The monthly premiums with High Deductible Plan F are substantially lower than those for the standard Plan F.

5. Best for lowest premiums: High Deductible Plan G

High deductible Plan G also requires the $2,370 yearly deductible to be paid before Medicare pays on Medical expenses. Once this is paid, the lower monthly premiums will make out-of-pocket expenses lower than they would be with the regular Plan G.

What is the best Medicare Supplement plan in Idaho for 2021?

Medicare Supplement Plan G is the most popular Medigap plan in Idaho in 2021. For Medicare enrollees coming eligible for Medicare after January 1, 2020, Plan G offers the most extensive coverage available.

Best for comprehensive coverage: Plan G

A popular feature of Medicare Supplement plan G is that it allows you to see any doctor in the U.S. who accepts Original Medicare coverage.

Other Plan G benefits include:

  • The flexibility of being able to change doctors anytime
  • Freedom to go to any hospital or facility in Idaho that takes Original Medicare
  • Referrals are not required
  • No network requirements

What is the average cost for a Medicare Supplement plan in Idaho?

In Idaho in 2021, a 65-year-old woman who does not use tobacco and who lives in zip code 83701 (Boise, ID) would pay an average Part B monthly premium of $159.48.

The average is found by adding the lowest Plan F premium of $156.31 to the highest premium of $220.23 and dividing the sum by two.

Medicare Plan G has rates between $121.31 and 170.50 per month. The average Plan G monthly premium amount is $157.49.

Medicare Plan N has a premium amount ranging from $101.46 to 153.75 per month. By the formula described above, the average Plan N monthly premium would be $127.79.

By adding the averages of all three plans and dividing by three, we find that the average monthly premium for Idaho Medicare supplement insurance plans in 2021 is $159.48.

When can I apply for a Idaho Medicare Supplement plan?

Medigap Open Enrollment Period

The ideal time to apply for a Medicare Supplement plan is during your Medigap Open Enrollment Period which begins the first month you are 65 years old and enrolled in Medicare Part B (Medical). This period lasts for six months.

You cannot change or repeat this enrollment period. By enrolling during your Medigap Open Enrollment Period, you will be able to choose any plan from any insurance carrier and enroll in it for the same price a healthy person would regardless of your medical condition.

If you enroll in Medigap insurance after your Medicare Supplement Open Enrollment Period, you may be forced to undergo Medical underwriting or be charged a higher premium due to a chronic health condition.

A licensed insurance agent can guide you in exploring plan options and choosing a Medicare Supplement insurance plan in Idaho that will save you money long term, especially if you have pre-existing conditions.

Other Medicare enrollment periods include:

  • Initial Enrollment Period (IEP) – Begins three months before your 65th birthday month and ends three months after the month you turn 65 – Those on Social Security will be automatically enrolled in Medicare Part A and Part B – You can also enroll in a Medicare part D plan (prescription drug plan) or a Medicare Advantage Plan at this time
  • Annual Election Period (AEP) – October 15 to December 7 – This does not apply to Medigap policies – It is a time for enrolling in or changing Medicare Advantage and Part D prescription drug coverage plans
  • General Enrollment Period for Medicare Advantage Plans – You can enroll in or change your Medicare Advantage plan or prescription drug coverage at this time (January 1 – March 31) – Your new policy’s effective date will be July 1
  • Special Enrollment Period (SEP) – You may have guaranteed issue rights to enroll in Medicare and buy Medigap insurance, an Advantage plan, or a Medicare Part D Plan if you have special circumstances such as losing a Medicare Advantage plan or retiring and losing employer group coverage

Common Idaho Medicare Supplement Questions:

When can I change Medigap plans?

You can enroll in a Medicare Supplement insurance plan in Idaho on the first day you are enrolled in Part B Medicare and 65 years old. This Medigap Enrollment period lasts for six months. If you wish to change to another insurance policy during the 6-month Medigap Enrollment period, you can do so.

You can change your Medigap plan any time of the year, but you may have to undergo Medical underwriting where someone assesses your medical condition and submits it to the insurer.

If you enroll in a Medigap plan in Idaho during your Medigap Open Enrollment Period, you can change during that time and have 30 days to take a ‘test drive’ to see if you wish to keep it, go back to the former plan, or drop the plan without a replacement.

Can I be denied Medigap coverage?

If you enroll in a Medigap plan during your Medigap Enrollment Period, you cannot be denied coverage. After that time, you can be denied coverage based on medical conditions.

What is the difference between Medigap and Medicare Advantage?

Medigap policies work alongside Original Medicare to help Medicare beneficiaries pay the 20% of medical expenses not paid by Original Medicare. Only people with Original Medicare coverage in Idaho can buy a Medigap plan.

Medicare Advantage is an alternate way to receive Medicare benefits in Idaho with an Advantage plan sold by private health insurance companies. With Medicare Advantage, you receive basic benefits with potential additional coverage like dental, vision, hearing, fitness, and wellness benefits.

Do Medicare Supplement plans in Idaho cover dental care?

Medicare Supplements do not cover dental benefits.

Do Medicare Supplement plans cover chiropractic care?

Medicare Supplements do not cover chiropractic care.

Do Medigap plans in Idaho cover foreign emergency travel?

Medigap covers up to 50,000 in foreign travel emergency benefits, up to the plan limits.

Related Topics

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Idaho State Links

Key Take Aways
  • In Idaho, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Idaho to choose from.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.