Medicare Supplements Plans Idaho
On this page we help consumers: Compare 2020 Medicare Supplement plans in ID. See Medigap premiums and reviews, including Plan F, G, and N. View a complete Medicare Supplement Plans Comparison Chart with all plans, carriers, and rates.
Which Idaho Medicare Supplement is Best for Me?
Three out of four Idaho seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $149.36 | $124.45 | $101.29 |  |
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| American National | $153.67 | $112.24 | $110.74 | |
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| Americo Life | $148.50 | $125.02 | $99.00 |  |
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| Assured Life | $230.68 | $172.42 | $98.25 |  |
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| Blue Cross of Idaho | $180.54 | N/A | $138.50 | |
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| Central States | $183.08 | $137.92 | $114.92 | |
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| Cigna | $146.63 | $123.62 | $103.40 | |
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| Colonial Penn | $258.37 | $184.51 | $131.90 | |
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| Equitable Life | $190.00 | $147.42 | $122.83 | |
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| Everence | $170.03 | $163.68 | $138.68 | |
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| Gerber Life | $245.71 | $196.51 | N/A | |
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| Globe Life | $160.00 | $144.00 | $123.50 | |
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| GPM Health and Life | $153.46 | $121.11 | $102.18 | |
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| Guarantee Trust Life | $151.54 | $123.46 | $101.18 | |
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| Humana | $197.03 | N/A | $130.19 | |
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| Liberty Bankers Life | $146.78 | $119.83 | $103.29 | |
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| ManhattanLife | $163.83 | $144.42 | $107.33 | |
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| Medico | $176.74 | N/A | N/A | |
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| Mutual of Omaha | $195.36 | $151.04 | $108.18 | |
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| Oxford Life | $170.57 | $133.64 | $120.27 | |
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| Philadelphia American | $156.31 | $121.31 | $101.46 | |
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| Puritan Life | $145.79 | $119.01 | $101.94 | |
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| Regence BlueShield of Idaho | $222.00 | $164.00 | $142.00 | |
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| Reserve National | $211.90 | $132.90 | $144.25 | |
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| Sentinel Security Life | $224.02 | N/A | N/A |  |
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| State Farm | $181.64 | N/A | N/A | |
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| Thrivent | $182.97 | $163.89 | N/A | |
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| Transamerica | $126.76 | $116.45 | $99.77 |  |
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| United American | $252.00 | $222.00 | $189.00 | |
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| United Commercial Travelers | $275.87 | $216.95 | $191.36 | |
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| AARP | $172.08 | $143.35 | $122.68 | |
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| USAA Life | $200.77 | $171.19 | $136.34 | |
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Compare Plan RatesThe average Idaho senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Idaho
Looking for the best Plan F, G or N available to Idaho seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Idaho Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Idaho. Here are the 10 best Plan F policies available in Idaho based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $126.76 | None | |
| Cigna | $146.63 | None | |
| Americo Life | $148.50 | None | |
| Globe Life | $160.00 | None | |
| AARP | $172.08 | None | |
| Thrivent | $182.97 | None | |
| Mutual of Omaha | $195.36 | None | |
| USAA Life | $200.77 | None | |
| Reserve National | $211.90 | None | |
| Regence BlueShield of Idaho | $222.00 | None | |
Idaho Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Idaho seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Idaho based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $116.45 | None | |
| Cigna | $123.62 | None | |
| Americo Life | $125.02 | None | |
| Reserve National | $132.90 | None | |
| AARP | $143.35 | None | |
| Globe Life | $144.00 | None | |
| Mutual of Omaha | $151.04 | None | |
| Thrivent | $163.89 | None | |
| Regence BlueShield of Idaho | $164.00 | None | |
| USAA Life | $171.19 | None | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
Idaho Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Idaho seniors. Here are the 10 best Medigap Plan N policies available in Idaho based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $99.77 | None | |
| Americo Life | $99.00 | None | |
| Cigna | $103.40 | None | |
| Mutual of Omaha | $108.18 | None | |
| AARP | $122.68 | None | |
| Globe Life | $123.50 | None | |
| USAA Life | $136.34 | None | |
| Regence BlueShield of Idaho | $142.00 | None | |
| Reserve National | $144.25 | None | |
| United American | $189.00 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in Idaho. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Idaho are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Idaho. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
The Idaho Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Idaho state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Idaho Department of Insurance website at http://www.doi.idaho.gov/.
Why is Medicare Supplement Plan F Favored in Idaho?
Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Idaho seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.
IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is the AARP Medicare Supplement the Best in Idaho?
This is one of the most common questions we're asked. AARP Medicare Supplements, which are underwritten by United Healthcare, offer the exact same coverage as standardized plans offered by other Medigap insurance carriers. The big difference is the monthly premium.
In our experience, AARP Medigap Plans are typically more expensive than average, and is often the most expensive. However, United Healthcare has a large number of hospitals under contract, allowing them to offer Medicare SELECT policies at better rates than standard Medicare Supplements. This allows them to be very competitive on rates if you agree to use a specific hospital.
The most popular AARP Medicare Supplements are Plan F, Plan G and Plan N. The comparison chart below highlights the difference in coverage.
Medicare Supplement Plan Comparison Chart
The following Medicare Supplement Plan Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medicare Supplements vs Medicare Advantage
Still wondering if a Medicare Supplement is the right way to go? Considering Medicare Advantage to cut costs? For many seniors in Idaho it's a difficult decision. Here are a couple things to consider.
First, understand the difference between Medigap and Medicare Advantage plans available in Idaho. A Medigap plan fills gaps in your Original Medicare benefits. A Medicare Advantage plan may have a similar effect, but it replaces your Original Medicare benefits with managed care, reducing your options.
Second, if you need the most choices and flexibility, Original Medicare combined with a Medicare Supplement and a Idaho Medicare Part D plan is the best coverage you can get.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Idaho SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-247-4422
- http://www.shiba.idaho.gov/
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Idaho. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .