Idaho Medicare Supplement or Medigap plans are critical to ensuring that Medicare beneficiaries can protect themselves from high costs. In Idaho, Medicare supplement plans allow beneficiaries to enhance their coverage beyond the benefits of Original Medicare.

In addition, the government standardizes the benefits of each of these plans to ensure consistent coverage for beneficiaries, regardless of location or carrier choice.

Idaho Medicare Supplement Enrollment Per Letter Plan

There are approximately 87,000 Medicare beneficiaries with a Medicare Supplement plan in Idaho. This group accounts for about 37% of Idaho’s Medicare-enrolled citizens. These plans provide essential protections to beneficiaries in the state and across the country.

PLAN A B C D F G K L M N
599 241 1,203 117 48,035 25,616 1,373 340 14 6,996

What Are the Most Common Medigap Plans in Idaho?

There are currently over 25,000 Medicare beneficiaries in Idaho who enroll in Plan G, which provides a good balance of cost and coverage. It provides enhanced coverage over Plan A while retaining an affordable price, primarily since it covers a solid range of medical expenses.

Plan F is another excellent option, despite its high cost. There are over 48,000 Idahoans who selected this plan, making it the state’s most popular program. This plan provides enrolled beneficiaries with valuable peace of mind by covering most medical costs comprehensively.

The third most popular plan in Idaho is Plan N. Nearly 7,000 people take advantage of this plan, which is affordable enough to attract residents’ attention. Plan N is not the most extensive Medicare plan, but it may be a good option for some patients who are looking for a cost-effective option.

Medigap Plan Coverage Chart for Idaho

The government regulates Medigap plans, so each one offers the same benefits nationwide. This regulation enables beneficiaries to choose a plan without fear of losing benefits if they move to another state.

Medicare Supplement Plans Costs in Idaho

Although the government standardizes the benefits of Idaho Medicare Supplement plans, the prices don’t necessarily stay the same. Multiple factors affect your premium in Idaho. Besides medical history, insurance companies also consider lifestyle factors when setting rates.

Lowest Premium Per Medigap Letter Plan in Idaho

Below is an overview of the costs associated with Idaho Medicare Supplement plans. Don’t expect the numbers to apply to you since we calculated them for a 65-year-old female patient.

While they may not be exact, the figures can still offer insight into what to expect when obtaining Medigap coverage in the state.

PLAN A B C D F G K L M N
Premium $103 $148 $189 $162 $190 $154 $62 $123 $180 $111

Highest Premium Per Medigap Letter Plan in Idaho

The following table shows the costs associated with a 70-year-old male patient’s plan. These figures show the higher end of Medigap pricing in Idaho, which may help you determine your budget.

PLAN A B C D F G K L M N
Premium $241 $195 $350 $207 $304 $257 $182 $152 $180 $196

Top Medicare Supplement/Medigap Plan Carriers in Idaho

This chart shows the top Medicare Supplement plan providers in Idaho. We based our estimate on a 65-year-old female beneficiary, so your prices may differ.

Globe Life offers Plan G and F for the lowest price, although Accendo is only marginally more expensive for Plan F. Accendo provides the lowest price for Plan N in the state, making it a compelling option for those interested in the plan.

CARRIERS PLAN F G N
Globe Life $190 $154 $140
Accendo $207 N/A $129
Mountain Health $210 $179 $137
Federal Life $212 $185 $132
Aetna $215 $174 $146

FAQs

What are the Medigap plans in Idaho?

There are 11 different Medigap plans currently available to beneficiaries in Idaho. While new beneficiaries can no longer choose Plan C and Plan F, the remaining plans all offer compelling benefits to residents of the state.

For example, Plan G is one of the most popular in the area and offers the most comprehensive benefits for new beneficiaries.

Can I have more than one Medigap plan at the same time in Idaho?

The law prevents providers from selling multiple Medigap plans to the same client, but there are ways to enhance your coverage. One example of this is combining Medicare coverage with Medicaid, which can save beneficiaries significant money when they qualify.

Another way to extend your coverage is by choosing a Part D plan to cover your prescription drug costs.

When can I apply for Medigap in Idaho?

The best time to apply for Idaho Medicare supplement plans is during your Initial Enrollment Period. This time consists of the first six months of your Medicare eligibility and provides several important protections. Establishing a cohesive coverage plan during this time can save you time and money in the long run; however, you can enroll in a new Medigap plan during any time of year following your Initial Enrollment Period.

How are Medigap rates determined in Idaho?

Providers use three different methods to calculate Medicare Supplement plan rates in Idaho. A community-rated plan offers a set price to all enrolled beneficiaries, distributing the costs evenly across the population.

There are also two types of plans that base the price on your age, with enrollment-entry plans basing rates on your age at enrollment. Alternately, age-attained rates will adjust according to your age, making them the most personalized in terms of price setting.

Does Medigap cover all costs in Idaho?

Medigap plans extend coverage to costs that Original Medicare doesn’t cover, but they do not cover all your medical expenses. As a result, beneficiaries can receive coverage for most core medical expenses but will have to look elsewhere for vision and dental in most cases.

Additionally, the extent of the coverage depends heavily on the specific plan, with certain plans covering nearly all expenses.

How to Sign Up for Medicare Supplement/Medigap Plan in Idaho

Medicare is not always an easy system to understand since there are many factors to balance. Medicare Supplement plans have different coverage, which can affect your costs if you suffer from an injury or illness.

Finding the right plan is vital since varying levels of coverage can drastically affect your cost. If you are looking for a Medicare Supplement plan in Idaho, our agents can help.

Contact us today by phone. Or fill out our short and easy online rate form today.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.