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Idaho

Compare the Best Medigap Plans in Idaho for 2025

by David Bynon, last updated March 11, 2025

Many of the plans featured here are available through our partner, HealthCompare, who may compensate us when you enroll in a plan. This does not influence our evaluations. Our opinions are our own, based on our independent research. Learn more about how we make money.

If you’re a Idaho resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Idaho. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Idaho that fits both your financial and healthcare needs has never been easier.

This page provides an overview of the leading Idaho Medicare Supplement plans and insurance companies available in 2025.

Top 3 Best Medigap Plans in Idaho for Full Coverage Options

Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Idaho. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.

Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Idaho.

Medigap Plan F in Idaho

Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .

Best Medigap Plan F Options in Idaho

CarrierPremium[3]FeeReview[4]
Transamerica$126.76None☆☆☆☆☆
Cigna$146.63None☆☆☆☆☆
Americo Life$148.50None☆☆☆☆☆
Globe Life$160.00None☆☆☆☆☆
AARP$172.08None☆☆☆☆☆
Thrivent$182.97None☆☆☆☆☆
Mutual of Omaha$195.36None☆☆☆☆☆
USAA Life$200.77None☆☆☆☆☆
Reserve National$211.90None☆☆☆☆☆
Regence BlueShield of Idaho$222.00None☆☆☆☆☆

Get a Free Idaho Medigap Plan F Rate Comparison

Required Benefits of Plan F in Idaho

Chart showing the required benefits covered by Medigap Plan F, including full coverage of Medicare Part A and Part B deductibles and 80% coverage for foreign travel emergencies.

Medigap Plan G in Idaho

Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.

Best Medigap Plan G Options in Idaho

CarrierPremium[3]FeeReview[4]
Transamerica$116.45None☆☆☆☆☆
Cigna$123.62None☆☆☆☆☆
Americo Life$125.02None☆☆☆☆☆
Reserve National$132.90None☆☆☆☆☆
AARP$143.35None☆☆☆☆☆
Globe Life$144.00None☆☆☆☆☆
Mutual of Omaha$151.04None☆☆☆☆☆
Thrivent$163.89None☆☆☆☆☆
Regence BlueShield of Idaho$164.00None☆☆☆☆☆
USAA Life$171.19None☆☆☆☆☆

Get a Free Idaho Medigap Plan G Rate Comparison

Required Benefits of Plan G in Idaho

Chart showing the required benefits covered by Medigap Plan G, including full coverage of Medicare Part A deductible, 80% coverage for foreign travel emergencies, and no coverage for the Medicare Part B deductible.

Medigap Plan N in Idaho

For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.

Best Medigap Plan N Options in Idaho

CarrierPremium[3]FeeReview[4]
Transamerica$99.77None☆☆☆☆☆
Americo Life$99.00None☆☆☆☆☆
Cigna$103.40None☆☆☆☆☆
Mutual of Omaha$108.18None☆☆☆☆☆
AARP$122.68None☆☆☆☆☆
Globe Life$123.50None☆☆☆☆☆
USAA Life$136.34None☆☆☆☆☆
Regence BlueShield of Idaho$142.00None☆☆☆☆☆
Reserve National$144.25None☆☆☆☆☆
United American$189.00None☆☆☆☆☆

Get a Free Idaho Medigap Plan N Rate Comparison

Required Benefits of Plan N in Idaho

Chart showing the required benefits covered by Medigap Plan N, including full coverage of Medicare Part A deductibles, 80% coverage for foreign travel emergencies, and copayments for office visits and emergency room visits. Medicare Part B deductible is not covered.

Average Costs for Medigap Plans in Idaho

Plan costs in Idaho are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Idaho:

  • Plan G: $150 - $200 per month
  • Plan N: $120 - $170 per month

Key Factors Influencing Medigap Costs in Idaho

The price of Medicare Supplements in Idaho can vary based on several important factors, including:

  • Age: Premiums often rise as you age.
  • Gender: Women may find that their premiums are slightly lower than men’s.
  • Tobacco Use: Using tobacco typically leads to higher premiums.
  • Location: Your location in Idaho can impact your premium due to regional cost differences.

Want to save on Medigap premiums and out-of-pocket costs? Check out our guide to finding the best value for your Medigap plan.

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Compare All Medicare Supplement Plans in Idaho

If you want to see how all Medicare Supplement Insurance plans sold in Idaho stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Idaho and choose the plan that best fits your needs.

Medigap Plans Comparison Chart showing the coverage details for all Medigap plans available in Idaho, including benefits like Medicare Part A and Part B deductibles, coinsurance, and foreign travel emergency coverage.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Idaho

Enrolling in a Medigap plan in Idaho requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:

Medigap Enrollment Periods

  • Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
  • Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
  • Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

Follow these simple steps to get Medicare Supplement coverage in Idaho:

  1. Review Your Options: Compare the Medigap plans offered in Idaho and select the one that best meets your needs.
  2. Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
  3. Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
  4. Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.

Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.

Need Help Choosing the Right Medigap Plan? Speak with a licensed insurance agent who can guide you through your options. Call 1-855-728-0510 (TTY 711) now. Our agents are available Monday to Friday, 8am-9pm, and Saturday, 9am-8pm EST.

FAQs about Medigap Plans in Idaho

How does Medigap differ from Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.

Can I change Medigap plans after enrolling?

Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.

Do Medigap plans cover prescriptions?

No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.

What costs can I expect with Medigap plans?

In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.

Citations & References

  • Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
  • What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
  • Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
  • How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
  • How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
  • Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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