Idaho Medicare Supplement Plans 2019 Medigap Plans
Idaho Medigap Plans: What's the Difference?
Most Idaho seniors agree: Original Medicare, combined with Medicare Supplement, offers the very best health coverage seniors can get. But, which Medicare Supplement is right for you?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G and N. Read on and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $149.36 | $124.45 | $101.29 |  |
|
| American National | $153.67 | $112.24 | $110.74 | |
|
| Americo Life | $148.50 | $125.02 | $99.00 |  |
|
| Assured Life | $230.68 | $172.42 | $98.25 |  |
|
| Blue Cross of Idaho | $180.54 | N/A | $138.50 | |
|
| Central States | $183.08 | $137.92 | $114.92 | |
|
| Cigna | $146.63 | $123.62 | $103.40 | |
|
| Colonial Penn | $258.37 | $184.51 | $131.90 | |
|
| 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 | |
|
| Globe Life | $160.00 | $144.00 | $123.50 | |
|
| 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 | |
|
| 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 | |
|
| 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 |  |
|
| 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 | |
|
| USAA Life | $200.77 | $171.19 | $136.34 | |
|
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
10 Best Medigap Plan F Policies in Idaho
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[1] | Fee | Review[2] |
|---|---|---|---|
| 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 | |
10 Best Medigap Plan G Policies in Idaho
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[1] | Fee | Review[2] |
|---|---|---|---|
| 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. | |||
10 Best Medigap Plan N Policies in Idaho
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[1] | Fee | Review[2] |
|---|---|---|---|
| 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 Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Idaho. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Idaho head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medigap 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
Idaho Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
All Idaho Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- 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/.
Is Medicare Supplement Plan F the Best Medicare Plan in Idaho?
Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all Idaho seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.
IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
What About the AARP Medicare Supplement: Is it the Best Idaho Medigap Plan?
Best is a relative term. To be sure, AARP sell more Medicare Supplements than any other insurance carrier. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.
In our experience, AARP Medicare Supplement premiums are frequently more than competing carrier in the same area. However, in many areas UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.
AARP sells a range of Medicare supplements, however, Plan F, Plan G and Plan N are the most popular. You can quickly see the coverage differences between these plans using the comparison chart below.
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.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many Idaho seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Idaho. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Idaho Medicare Part D plan is the way to go.
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/
Looking for Insurance Carrier Contact Information?
Disclaimers
The Medicare Supplement Insurance data on MedicareWire.com comes from Medicare.gov, CMS.gov, and private sources and is subject to change. CMS has neither reviewed nor endorsed the information on this site.
The MedicareWire.com website is available for educational purposes. Our goal is to present information about senior health insurance accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers:
Compare 2019 Medicare Supplement Plans in Idaho. Get rates and reviews, including Plan F, G, and N. Find the best Medigap Plans in Idaho at the lowest cost available. Get an AARP Med Supp plan, guaranteed issue, if you're turning age 65.
MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments.
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Foot Notes
[1] 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.
[2] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare supplement insurance information on MedicareWire is maintained by David Bynon and was last updated on .