by Russell Noga | Updated October 3rd, 2024
If you’re a senior in Idaho, Medigap plans can help you deal with the out-of-pocket medical and hospital expenses not covered by Original Medicare Parts A & B. These plans come in ten options, with F, G, & N being the most popular choices.
The average cost of Medicare Supplement plans in Idaho for 2025 depends on the provider’s price in the local zip code and the individual’s specific healthcare needs.
This post looks at the best Medicare supplement plans Idaho has to offer.
We’ll give you the details on the most affordable insurers and the average cost of premiums for the most popular plans, F, G, & N.
The Best Healthcare Insurers for Medicare Supplement Plans Idaho
Medigap policies are available for purchase from top healthcare providers in the United States.
Every insurer charges different rates for their policy premiums, and our research shows the following providers have the best rates in Idaho.
- UnitedHealthcare
- Aetna
- BCBS of ID
- Cigna
- Federal Life
- GPM Health and Life
- Humana
- Manhattan Life
Aetna and Blue Cross Blue Shield of Idaho on Plans G & F, respectively, while UnitedHealthcare offers the best rates on Plan N.
- Best Plan G – Blue Cross Blue Shield of Idaho
- Best Plan F – Aetna Medicare
- Best Plan N – UnitedHealthcare
Providers for Medicare Supplement Plan G Idaho – Blue Cross Blue Shield of Idaho
22 insurers offer Plan G in Idaho, with the market average being $160.70 per month.
Blue Cross Blue Shield of Idaho has the best prices on Plan G, with the average premium being $134 per month. Regence is the most expensive option, with average monthly premiums of $186.
Here are the average monthly premium costs from the leading providers. The rates are for a 65-year-old nonsmoking woman.
- Blue Cross Blue Shield of Idaho: $134
- Aetna: $175
- UnitedHealthcare: $175
- Regence: $186
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What Does Plan G Cover?
Plan G offers people newly eligible for Medicare the most comprehensive offering. The only out-of-pocket expense it doesn’t cover is the Part B deductible.
However, Plan Gs’ premiums are lower than Plan Fs. As a result, your annual savings with Plan G premiums make up for the Part B deductible when compared with Plan F.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan F Idaho – Aetna
22 insurers offer Plan F in Idaho and a monthly market average of $191. The most affordable premiums are with Aetna, averaging $150.80 monthly.
The company also has a high-deductible Plan F, increasing your annual Part A deductible to $2,700 from $1,600 but lowering your monthly premium to $86.16.
Blue Cross Blue Shield of Idaho has the most expensive Plan F policy at an average cost of $242 per month for a 65-year-old nonsmoking woman.
- Aetna:$151
- Blue Cross Blue Shield of Idaho: $242
What Does Plan F Cover?
If you want the most comprehensive coverage, Plan F is the best choice because it includes the Part B deductible.
However, this plan is only available if you were eligible for Medicare before January 1, 2020. If not, you’ll have to go with Plan G.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Average Cost for Medicare Supplement Plan N Idaho
22 insurers offer Plan N in Idaho, with a market average of $152.20 for monthly premiums across all providers.
Here are the average monthly premiums with the top providers for Plan F. (Rates are for a 65-year-old female nonsmoker).
- Aetna: $146
- Humana: $158
- Allstate: $171
- Regence: $176
What Does Plan N Cover?
Plan N is popular with healthy seniors who don’t see the doctor often. You get a lower premium, but you must make a $50 copayment at the emergency room if not admitted into the hospital and a $20 copayment at the doctor.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover the Part B deductible or Part B excess charges. Excess charges are the extra fees the doctor charges above the Medicare-approved rate.
However, you can mitigate these additional charges by seeing doctors that charge Medicare Assignment rates.
What Do Plans G & N Not Cover?
Plans F, G, and N won’t cover the costs of preventative treatments like physiotherapy and acupuncture. They also don’t cover the costs of private duty nursing or long-term stays at unskilled nursing facilities.
All Medigap plans don’t offer coverage for vision, dental, and hearing services.
However, some insurers offer additional plans covering these services, either for an additional fee or at a discounted rate if you use their partners.
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What are the Best Alternate Medicare Supplement Plans in Idaho?
If you’re looking for a more affordable plan, there are other options in the Medigap range. Still, they don’t offer the same level of coverage as Plans F, G, & N.
Regence is the cheapest provider for Plan A, Aetna has the lowest premiums for Plan B, and UnitedHealthcare has the best deal for Plans C, K, & L.
Here are the average rates for these plans for a 65-year-old female nonsmoker.
- Plan A – Regence: $103.00
- Plan B – Aetna: $171.99
- Plan C – UnitedHealthcare: $219.25
- Plan K – UnitedHealthcare: $64.75
- Plan L – UnitedHealthcare: $125.50
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Frequently Asked Questions
What are the top Medicare Supplement plans available in Idaho for 2025?
The top Medicare Supplement plans in Idaho for 2025 include Plan F, Plan G, and Plan N.
How do Medicare Supplement plans work in Idaho?
Medicare Supplement plans, also known as Medigap plans, work alongside Original Medicare to cover the gaps in healthcare costs such as deductibles, copayments, and coinsurance.
What benefits does Plan F offer in Idaho for 2025?
Plan F provides comprehensive coverage, including coverage for Medicare Part A and B deductibles, copayments, and coinsurance, as well as skilled nursing facility care and foreign travel emergencies.
Are Plan G and Plan N popular choices for Medicare Supplement plans in Idaho?
Yes, Plan G and Plan N are popular choices in Idaho. Plan G offers extensive coverage similar to Plan F, while Plan N has slightly lower premiums with some cost-sharing.
How can Idaho residents enroll in Medicare Supplement plans?
Idaho residents can enroll in Medicare Supplement plans by contacting private insurance companies that offer these plans and choosing the one that suits their needs.
Are there any specific enrollment periods for Medicare Supplement plans in Idaho?
In Idaho, you can generally enroll in a Medicare Supplement plan at any time, but it’s advisable to enroll during the six-month open enrollment period, which begins when you turn 65 and are enrolled in Medicare Part B.
Can I switch Medicare Supplement plans in Idaho?
Yes, you can switch Medicare Supplement plans in Idaho. However, you may need to go through medical underwriting, which could affect your eligibility or premiums.
Do Medicare Supplement plans cover prescription drugs in Idaho?
No, Medicare Supplement plans do not cover prescription drugs. To obtain prescription drug coverage, you need to enroll in a standalone Medicare Part D plan.
Are Medicare Supplement plans standardized in Idaho?
Yes, Medicare Supplement plans are standardized in Idaho. This means that the benefits for a particular plan, such as Plan F, will be the same regardless of the insurance company offering it.
How can I find the best Medicare Supplement plan in Idaho for 2025?
To find the best Medicare Supplement plan in Idaho for 2025, compare the plans offered by different insurance companies, consider your healthcare needs, and evaluate the premiums, benefits, and reputation of the insurance providers.
Find the Right Medicare Plan for You
Searching for the best Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.
Contact us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.