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Medicare Supplement Plans in Idaho

Summary: There are many Medicare Supplement plans available in Idaho. These supplemental benefits help you cover leftover costs when using Original Medicare. Though benefits won’t change among carriers, premiums will. It’s important to compare plans to find the right fit for you. Estimated Read Time: 16 mins

Table of Contents:

  1. Best Medicare Supplement Plans in Idaho
  2. Who is Eligible for Medicare Supplement in Idaho?
  3. How Much Do Medicare Supplement Plans in Idaho Cost?
  4. Companies Offering Medigap Plans in Idaho
  5. Medigap for the Disabled Under 65 in Idaho
  6. Medigap Rating Method in Idaho
  7. Medicare Supplement Guaranteed Issue Protections in Idaho
  8. When to Enroll in Medicare Supplement Plans in Idaho
  9. Additional Medicare Coverage for Beneficiaries in Idaho
  10. How to Apply for a Medicare Supplement Plan in Idaho

If you have Original Medicare (Medicare Part A and Part B), you may notice that there are costs left over when receiving healthcare. Fortunately, residents of the Gem State have affordable options for covering these expenses. The Medicare Supplement plans Idaho carriers offer help cover the costs Medicare Part A and Part B leave behind, thus alleviating your out-of-pocket responsibility.

Also known as Idaho Medigap plans, when you enroll, you do not lose Medicare Part A and Part B benefits. Idaho Medicare Supplement plans offer secondary coverage, meaning your policy pays after Original Medicare has paid its portion. This also means you can see any doctor accepting Original Medicare, regardless of your policy’s carrier.

Offered by private carriers rather than the federal government, each Medicare supplement Idaho beneficiaries can choose from is standardized. This means that of the twelve Medigap plans in Idaho, lettered A through L, the benefits you receive will be the same no matter whom you enroll with.

But the price you pay will vary depending on the carrier you choose. Furthermore, you’ll want to be sure that the company providing your benefits is financially sound and explore all of your options to determine which benefits are right for your needs. Below, we review Medicare Supplement plans in Idaho and how they can help you save money with your healthcare coverage.

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Best Medicare Supplement Plans in Idaho

If you’re looking to cut healthcare costs, the Medicare Supplement plans Idaho beneficiaries have available are great options, but how do you know which is the best? The truth is, there isn’t a singular best plan because the best Medicare Supplement plans in Idaho are going to vary from person to person.

Everyone has their own healthcare needs and budgets to follow. Ideally, you’re going to want to find Idaho Medicare Supplement plans that fit your specific healthcare needs and budget alike.

However, there are some coverage options that are more popular than others. Of all the 12 Medigap coverage options, three continue to rise above the rest in terms of enrollment:

  • Medicare Supplement Plan F in Idaho
  • Medicare Supplement Plan G in Idaho
  • Medicare Supplement Plan N in Idaho

These plans consistently rank as the top options for Idahoans due to their comprehensive coverage levels and monthly premium cost. Learn more about each plan below and how their benefits can help you save on healthcare:

Medicare Supplement Plan F in Idaho

If you are looking for a plan to cover all of your out-of-pocket expenses after Original Medicare pays, Medicare Supplement Plan F in Idaho may be the right plan for you. This plan leaves zero out-of-pocket cost for the enrollee. All you pay is the monthly premium.

Keep in mind not all Medicare enrollees can sign up for this plan. To be eligible for Medigap Plan F in Idaho, you must have enrolled in Medicare Part A before January 1, 2020.

However, if you are eligible for Medicare Supplement Plan F Idaho, here are the benefits you’ll receive:

  • Original Medicare comes with copayments, coinsurances, and deductibles, and they are all covered.
  • Although rare, you may encounter Medicare Part B excess charges when receiving healthcare, but Plan F covers these costs.
  • Skilled nursing facility costs are also covered.
  • You’ll also receive a benefit for foreign travel emergency expenses, though a lifetime limit will apply.

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Medicare Supplement Plan G in Idaho

Medicare Supplement Plan G in Idaho is a fantastic alternative if you are looking for a plan that offers exceptional benefits at a lower cost than Plan F or if you don’t qualify. Medigap Plan G in Idaho covers 100% of your out-of-pocket costs once you meet the annual Medicare Part B deductible.

Medicare Supplement Plan N in Idaho

Lastly, Medicare Supplement Plan N in Idaho offers the lowest monthly premium of the three plans. However, you will pay higher out-of-pocket costs when receiving care. With Medicare Supplement Plan N in Idaho, you pay the Medicare Part B deductible, $20 copayments at the doctor or specialist, and $50 copayments at the Emergency Room. If you are admitted to the hospital from the ER, your copayment will be waived.

If you enroll in Medigap Plan N in Idaho, you will also be responsible for paying excess charges. Excess charges are not common. Yet, Idaho allows excess charges. Thus, it is important to be aware of them.

Medicare excess charges are an additional fee of up to 15% that providers may charge on top of the Medicare-approved amount for a service if they do not accept Medicare assignment. While most doctors accept Medicare assignment, it is important to speak with your doctor to avoid any unexpected charges.

Who is Eligible for Medicare Supplement Plans in Idaho?

If you are eligible for Original Medicare benefits, you’re eligible for Medicare Supplement plans in Idaho. There are a few ways to gain Medicare eligibility, but the most common way is to simply turn 65 years of age and be a U.S. citizen or legal resident for at least five years.

Alternatively, you can also become eligible for Medicare benefits if you are disabled and receive Social Security Disability Income (SSDI) benefits for two years. Those diagnosed with end-stage renal disease (ESRD) may qualify sooner but typically can receive coverage four months after beginning dialysis. Finally, if you have amyotrophic lateral sclerosis (ALS), you immediately qualify for Medicare benefits upon your diagnosis.

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How Much Do Medicare Supplement Plans in Idaho Cost?

Medicare Supplement plan benefits are standardized throughout the country. However, monthly premium prices vary for everyone. Location, age, and tobacco use status are typically the three biggest factors in the cost of a Medicare Supplement plan in Idaho. Unlike many states, though, gender is not a factor when determining Medigap premium price in Idaho. This is because Idaho carriers must exclusively use a community-rated approach when creating premiums for beneficiaries.

Below is an example of premiums for a non-tobacco using male and female at age 65 and age 75 in a highly populated Idaho ZIP Code. No one uses tobacco:

Female, No Tobacco, Idaho ZIP Code 83646
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $190-$311* $190-$311*
Medicare Supplement Plan G $154-$268 $154-$268
Medicare Supplement Plan N $117-$220 $117-$220
Male, No Tobacco, Idaho ZIP Code 83646
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $190-$311* $190-$311*
Medicare Supplement Plan G $154-$268 $154-$268
Medicare Supplement Plan N $117-$220 $117-$220

* If eligible for Medicare before January 1, 2020. Averages based on data collected from Medicare.gov.

Keep in mind that these are just averages of what Medicare Supplement plans in Idaho cost. Where you live in the Gem State, and the carrier you choose is going to play a role in the premium you pay. It’s important to compare premiums to determine the lowest available option for your healthcare needs.

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Companies Offering Medigap Plans in Idaho

Private insurance carriers, not the federal government, provide Medigap plans available in Idaho. It’s essential to shop around because, depending on who you enroll with, you’ll notice that your premium will vary.

But it’s not just about cost. Though sticking to your budget is important, you’re going to want to also be sure that you’re enrolling with a company you can trust to be there for you when you need them. You’re also going to want to be sure that your carrier provides quality customer service.

Independent credit agencies, such as A.M. Best and S&P, are going to help you determine the financial strength of a company. An important aspect as you’ll want to be sure your benefits can pay for your healthcare services when needed. The Better Business Bureau (BBB) is another important agency that can help you learn more about how the company deals with its customers.

There are many top-rated carriers offering Idaho Medicare Supplement plans. Learn more about some of the most prominent companies available below:

Compare Idaho Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
Blue Cross of Idaho N/A A- A+
Cigna N/A A- A (Excellent)
Mutual of Omaha A+ A+ A+ (Superior)
Manhattan Life A+ A B++
United American A+ AA- (Very Strong) A (Excellent)

Remember, the carriers above are not an exhaustive list. There are several companies providing Medicare Supplement plans Idaho beneficiaries can enroll in. Comparing your options with a licensed Medicare agent will help you pinpoint the right carrier for your needs.

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Medigap for the Disabled Under 65 in Idaho

There is no federal requirement for carriers to provide Medigap options to anyone under 65. So, those with disabilities who want extra coverage may find a Medicare Advantage plan to be more affordable.

In Idaho, those on Medicare prior to age 65 can enroll in Idaho Medicare Supplement plans. The state requires companies to provide at least one plan to those on Medicare under 65 under the authority of Idaho Department of Insurance Rule 18.04.10.

However, even states and carriers that offer younger enrollees this option usually charge more for a Medigap plan under 65. Legally, carriers can charge disabled persons 150% of the premiums they would face at age 65. Further, many companies only offer Medigap Plan A – the plan with the fewest benefits. Still, the good news is once you turn 65, you can enroll in an Idaho Medicare Supplement plan without underwriting health questions.

Medigap Rating Method in Idaho

Several variables go into determining your premiums, but in the Gem State, a few personal factors aren’t included: age and gender. This means that regardless of whether you are male or female, older or younger, when you enroll, you’ll receive the same premiums as everyone else.

This is what’s known as a community-rated Medigap rating method, and while there are two other rating methods that exist, you won’t find them in Idaho. Therefore, the age you are won’t raise your premiums.

But that doesn’t mean they can’t go up. In fact, using a community-rated Medigap rating method, you will still likely find that rates rise over time due to inflation. Still, the sooner you enroll in the Medicare Supplement plans Idaho has to offer, the better. You’ll be able to take control of your healthcare costs and stay prepared for whatever comes your way.

In the event that you have a Medigap plan in Idaho that uses an issue-age rating, you’ll still have your premium calculated using this method. Those plans were grandfathered in, but if you switch, your new premium will be community-rated. This applies to all who switch after February 28, 2022.

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Medicare Supplement Guaranteed Issue Protections in Idaho

Sometimes you may experience life events that will require you to change your coverage, or you may change your mind about the coverage you initially enrolled in. There are guaranteed issue protections, otherwise known as guaranteed issue rights, in place for such occasions.

To be clear, not every life event is going to qualify, but for those that do, you can enroll in Medicare Supplement plans in Idaho outside of your Open Enrollment Period without facing medical underwriting. Here are the scenarios in which Idahoans are granted guaranteed issue protections:

  • If you already have a Medigap plan in Idaho but want to change carriers, you can. You’ll receive a 63-day period that starts on your birthday each year and can switch to the same level of coverage or less.
  • You’ll receive what is known as a “trial right” if you join Medicare Advantage when you first enroll in Medicare but want to switch to Original Medicare. Please note that this only applies if you switch within the first year of your Medicare Advantage enrollment.
  • You’ll have a 63-day guaranteed issue protection if your employer’s group healthcare ends. This includes COBRA, union, or retiree coverages.
  • If you have Medicare Advantage, but your plan is either leaving Medicare altogether or doesn’t serve where you live anymore, you can enjoy a 63-day guaranteed issue right to find Medicare Supplement plans in Idaho.
  • Moving brings on a ton of concerns, and your healthcare benefits shouldn’t be one of them. That’s why if you move out of the service area of your Medicare Advantage, Medicare SELECT, or employer group healthcare coverage, you’ll receive a 63-day guaranteed issue protection period.
  • Whether you are enrolled in Medicare Supplement plans in Idaho or Medicare Advantage plans, if your carrier is guilty of misleading you or committing fraud, you’ll have a guaranteed issue right. This period lasts for 63 days.
  • Finally, residents that lose coverage from Idaho Medicare Supplement plans because their carrier goes bankrupt or for another reason that is not their fault will also enjoy guaranteed issue protections for 63 days. Please note that the 63-day limit that applies to some Medigap guaranteed issue rights in Idaho may vary. To best understand your specific protections, you’ll want to speak with a licensed Medicare insurance agent for further clarification.

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When to Enroll in Medicare Supplement Plans in Idaho

The best time to sign up for a Medicare Supplement plan in Idaho is during your Medicare Supplement Open Enrollment Period, which starts when your Part B benefits become activated.

Your Medicare Supplement Open Enrollment Period gives you six months to enroll in Medigap without medical underwriting questions. This means that you can enroll in any policy and not be denied coverage.

If you miss your Medicare Supplement Open Enrollment Period, you can still apply for coverage at any time. However, you may need to answer underwriting health questions. Thus, a company can deny your application for any reason.

The only way to enroll in a Medigap plan outside of this enrollment period without underwriting health questions is if you qualify for a Special Enrollment Period. If this is the case, you will have limited time to enroll in Medigap coverage without underwriting health questions.

What is the Idaho Birthday Rule?

The Idaho birthday rule allows people already on an Idaho Medigap plan to switch to any other plan of equal or lesser benefits, bypassing Medicare Supplement underwriting questions. Thus, more options will become available for people who would otherwise face denial from carriers due to health conditions.

Additionally, the new plan may be through a different carrier than the original plan. The window to make these changes opens on the beneficiary’s birthday each year and closes 63 days later.
Idaho Medigap Birthday Rule

Idaho Medigap plans are all subject to the state’s birthday rule.

Your ability to replace your coverage due to the Idaho Medigap Birthday Rule applies to each lettered plan, yet which plan you have will make a difference. Depending on which Medicare Supplement plan in Idaho you are enrolled in, it will depend on which plan you can replace it with. Here’s how this breaks down:

  • Idaho Medicare Supplement Plan A enrollees can only replace their coverage with the same lettered plan.
  • If you have Medicare Supplement Plan B in Idaho, you can replace it with Plans A or B.
  • Medicare Supplement Plan C in Idaho isn’t as widely available these days, but if you are enrolled, you have plenty of options to replace it with. This includes Idaho Medicare Supplement Plans A, B, C, D, K, L, M, or N.
  • Those enrolled in Medicare Supplement Plan D also have plenty of options for replacement. This includes Idaho Medigap Plans A, B, D, K, L, M, or N.
  • If you are enrolled in either Idaho Medicare Supplement Plans E or F, you can enroll in any plan available.
  • Medicare Supplement Plan F High-Deductible enrollees can replace their coverage with another Plan F HD plan. Alternatively, you may also replace your coverage with a Medicare Supplement Plan G High-Deductible policy.
  • Medicare Supplement Plan G Idaho enrollment permits you to replace coverage with a wide variety of plans. The Idaho Birthday Rule allows the following replacements of Idaho Medicare Supplement Plans A, B, D, G, K, L, M, N, F High-Deductible, or G High-Deductible. For those enrolled in Medicare Supplement Plan G High-Deductible Idaho, you can replace it with another Plan G High-Deductible coverage option. Enrolling in Medicare Supplement Plan H Idaho allows you to replace it with many other options using the birthday rule. In this case, the Idaho Medigap Birthday Rule applies to Idaho Medicare Supplement Plans A, B, D, K, L, M, or N. Medigap Plan I in Idaho can be replaced by Medicare Supplement Plans A, B, D, G, K, L, M, or N.

You can replace Medigap Plan J in Idaho with any plan available. As for Medigap Plan J High-Deductible, you can only replace it with another Plan J High-Deductible option. Those with Medigap Plan K in Idaho can replace their coverage with another Plan K option. Medicare Supplement Plan L in Idaho can be replaced by both Plans K and L. Medigap Plan M in Idaho can be replaced with Plans M and N. Finally, if you have Medicare Supplement Plan N Idaho coverage and wish to replace it because of the birthday rule, you can only do so with another Plan N policy.

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Additional Medicare Coverage for Beneficiaries in Idaho

Original Medicare and Medicare Supplement plans in Idaho greatly benefit many, but they don’t cover everything. Furthermore, it’s important to remember that everyone has different needs. Thankfully, there are other options available for seniors in Idaho.

These include Medicare Advantage plans from private insurance carriers but must cover everything Original Medicare would cover and may have additional features. However, it’s important to note that Medicare Advantage plans may limit your access to healthcare as there are networks, and you need referrals to see a specialist.

Medicare Part D prescription drug coverage is also available and can be an excellent option for those enrolled in Medicare Parts A and B, and Medicare Supplement plans in Oregon. The sooner you enroll in a Part D plan, the better. Not only do you receive coverage for expensive medication sooner, but if you wait, there is a penalty you’ll pay each month. Always enroll as soon as you are eligible to avoid the late fee.

Also provided by private insurance companies, Medicare Part D plans have formularies you’ll need to evaluate before enrolling. The formulary lists drugs covered by a specific Medicare Part D plan. Be sure to check that the medication you need is on the formulary before enrolling.

Finally, there are simply some healthcare services that aren’t typically covered by Original Medicare benefits. But these healthcare needs may still arise. Dental, vision, and hearing benefits are available as standalone coverage that can help you gain a fuller scope for your healthcare benefits.

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How to Apply for a Medicare Supplement Plan in Idaho

Picking the right Medicare Supplement plan in Idaho does not have to be complicated. Our licensed Medicare agents are here to help you find the best plan for your financial and health-related needs.

To get started with a free plan comparison today, complete our online rate form or call the number above.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement/Medigap, IDOI. Accessed June 2023.
    https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/
  2. New Law: Community Rating for Medigap as of March 1, 2022, IDOI. Accessed June 2023.
    https://doi.idaho.gov/industry/rates-and-forms/medicare-supplement/
  3. Medicare under 65, IDOI. Accessed June 2023.
    https://doi.idaho.gov/shiba/new-to-medicare/medicare-under-65/
  4. Recent Changes to Medicare Supplement Law and Rules, IDOI. Accessed June 2023.
    https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/recent-changes-to-medicare-supplement-law-and-rules/
  5. Changes to Idaho’s Medicare Supplement Rules 2022 Update, IDOI. Accessed June 2023.
    https://doi.idaho.gov/wp-content/uploads/shiba/Changes-to-Idahos-Medicare-Supplement-Rules-2022-Update-1.pdf
  6. The Idaho Shopper’s Guide to Medicare 2022, SHIBA and IDOI. Accessed June 2023.
    https://doi.idaho.gov/wp-content/uploads/2022/04/2022-Shoppers-Guide-April-2022.pdf
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare educator serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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