by Russell Noga | Updated August 18th, 2023
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 2024 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.
