The Best Idaho Medicare Supplement Plans (2022)

MoneyGeek found that ten Medicare Supplement Plans, also known as Medigap plans, are offered by providers in Idaho, though plan availability depends on when you became eligible.

Our research shows that Aetna and UnitedHealthcare offer the best Medicare supplement plans in Idaho.

In Idaho and other states, you can't buy both Medigap and Medicare Advantage Plans in Idaho, as Medicare Advantage plans will replace your entire Medicare plans, including Original Medicare.

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Last Updated: 6/22/2022
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The average cost of a Medicare Supplement plan in Idaho is $150 per month for a 65-year old and $160 per month for a 75-year old.

Since Plan F and G offer more comprehensive coverage, most eligible people opt for these plans. On average, it costs $160.70 and $190.96 per month for Plan G and Plan F, respectively. Plan F is only available to those eligible for Medicare before 2020.

The next most popular option, Plan N, offers the same coverage but has excess charges. It costs an average of $152.20 per month.

MoneyGeek ranked the best companies offering these plans based on average premiums and benefits, as defined in our methodology. If you want more information about plan types and coverages, you can review the various ways to find the best Medicare Supplement Plan.

iconribbonBestMedigapIdaho2022

Best Medicare Supplement Plans in Idaho

Best Medicare Supplement Plan G in Idaho

MoneyGeek’s research shows that Aetna offers the best Medicare Supplement Plan G in Idaho at an average cost of $174.58 per month.

Our ranking system only evaluated companies that offer online quotes to their customers. There might be companies available in Idaho that offer better rates but don’t provide online quotes.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $174.58

On average, it costs $160.70 per month for Plan G in Idaho, which is approximately $14 less than the cost of Aetna’s Plan G. With Aetna, you get foreign travel emergency coverage which covers the cost of any losses or damages incurred while you’re traveling internationally.

MORE ABOUT PLAN G IN IDAHO

Navigate to learn more about Medigap Plan G in Idaho, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Idaho

The average cost of Medicare Supplement Plan G in Idaho is $160.70 per month. Blue Cross Blue Shield of Idaho, the cheapest company in the state, charges $134 per month for a plan, while Regence offers the most expensive plan at an average monthly cost of $186.

The cost of Plan G may change depending on your current age, how old you were when you bought the plan, discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Idaho
    $134
  • Aetna
    $175
  • UnitedHealthcare
    $175
  • Regence
    $186

Providers Offering Plan G in idaho

In Idaho, 22 companies offer Medicare Supplement Plan G. However, not all companies offer online quotes. MoneyGeek gathered the contact information of these companies and analyzed their pricing style to help you understand how costs change depending on your age. Our analysis will help you find the best option that fits your needs.

Providers Offering Plan G in Idaho

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • BCBS of ID
    888-462-7677
    Community
  • Cigna
    1-855-891-9368
    Community
  • Federal Life
    800-960-1390
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Humana
    1-800-457-4708
    Community
  • Manhattan Life
    800-877-7703
    Community

What Does Plan G Cover?

All Medigap plans, including Plan G, are standardized and must offer certain benefits. However, Plan G does not cover Part B deductibles and only covers 80% of your foreign travel exchange.

Companies may offer additional benefits with their plans. Aetna’s foreign travel emergency coverage is an excellent example of such benefits.

Required Benefits of Plan G in Idaho
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Idaho

MoneyGeek’s research shows that Aetna is the best Medicare Supplement Plan F company in Idaho, with plans costing an average of $215.41 per month.

The company also offers a high-deductible plan at a lower premium cost of $86.16 per month. However, this plan requires you to pay Medicare-covered costs, including coinsurance and copayments up to a deductible of $2,490.

Our analysis only includes companies that offer online quotes in the state. There may be other companies available that provide lower rates but don’t offer online quotes.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $215.41

The average cost of a Plan F in Idaho is $191 per month, which is approximately $24 less than Aetna’s Plan F. With Aetna, you get foreign travel emergency coverage which protects you in case of any loss or damage while you’re traveling internationally.

Aetna also offers a high-deductible plan. While this plan has lower premiums, it requires you to pay for Medicare-related costs up to a deductible of $2,490.

MORE ABOUT PLAN F IN IDAHO

Navigate to learn more about Medigap Plan F in Idaho, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Idaho

On average, it costs $191 per month to buy Medicare Supplement Plan F in Idaho. The cheapest provider in the state for this plan is Aetna, offering average monthly rates of $150.80 per month. In comparison, Blue Cross Blue Shield of Idaho offers the most expensive policy at an average cost of $242 per month.

The cost of Plan F may vary depending on how old you were when you bought the plan, your current age, discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $151

Providers Offering Plan F in Idaho

MoneyGeek's research shows that 22 companies offer Plan F in Idaho. However, not all of these companies offer online quotes. We gathered these companies' contact information and researched their pricing style. You can use this information to see how costs may change depending on your age.

Providers Offering Plan F in Idaho

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • BCBS of ID
    888-462-7677
    Community
  • Cigna
    1-855-891-9368
    Community
  • Federal Life
    800-960-1390
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Humana
    1-800-457-4708
    Community
  • Manhattan Life
    800-877-7703
    Community

What Does Plan F Cover?

Plan F and other Medigap policies are standardized, so they must include certain benefits. However, Plan F usually only covers 80% of your foreign travel exchange within your plan’s limits.

Companies may also offer additional benefits with their plans. Aetna’s foreign travel emergency coverage is a good example of such benefits.

Required Benefits of Plan F in Idaho
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Idaho

In Idaho, UnitedHealthcare offers the best Medicare Supplement Plan N at an average monthly cost of $134.25.

MoneyGeek only ranked companies that offer online quotes to their customers. Other companies in the state may charge lower rates but don’t offer online quotes.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $134.25

The average cost of Plan N in Idaho is $152.20 per month, which is approximately $18 more than the average cost of UnitedHealthcare’s Plan N. With UnitedHealthcare, you get a range of benefits, including discounts on hearing, vision and dental care. The company also offers Renew Active, a program that provides you access to gyms, fitness centers and online fitness activities to help you keep fit and healthy.

MORE ABOUT PLAN N IN IDAHO

Navigate to learn more about Medigap Plan N in Idaho, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Idaho

On average, it costs $152.20 per month for Plan N in Idaho. The cheapest company in the state for this plan is UnitedHealthcare, with an average monthly cost of $134.30. In comparison, Regence offers the most expensive plan at an average price of $176 per month.

These costs may change depending on how old you are when you buy the plan, your current age, discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $134
  • Aetna
    $146
  • Regence
    $176

Providers Offering Plan N in Idaho

MoneyGeek found that 22 companies offer Medicare Supplement Plan N in Idaho. However, not all companies provide online quotes. We gathered these companies' contact information and their pricing style to help you understand how costs may change depending on your age.

Providers Offering Plan N in Idaho

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • Cigna
    1-855-891-9368
    Community
  • Federal Life
    800-960-1390
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Humana
    1-800-457-4708
    Community
  • Manhattan Life
    800-877-7703
    Community
  • Mountain Health Co-Op
    855-447-2900
    Community

What Does Plan N Cover?

All Medigap plans, including Plan N, are standardized and should include certain benefits. However, Plan N generally does not cover Part B deductible and excess charges and only covers 80% of your foreign travel exchange.

The companies may offer additional benefits with their plans. For instance, UnitedHealthcare offers Renew Active, a program that helps you maintain your physical and mental health.

Required Benefits of Plan N in Idaho
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Idaho: Other Plan Types

Besides Plan F, G and N, other plan types that offer less comprehensive coverage are available. MoneyGeek’s research shows that Regence, UnitedHealthcare and Aetna offer the best plans for most plan types.

If you are newly eligible for Medicare after January 1, 2020, you will not be able to buy Plan C in Georgia or anywhere else.

The Best Medicare Supplement in Idaho - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Regence

    $103.00

  • A

    UnitedHealthcare

    $140.00

  • B

    Aetna

    $171.99

  • C

    UnitedHealthcare

    $219.25

  • F

    Aetna

    $215.41

  • G

    Aetna

    $174.58

  • K

    UnitedHealthcare

    $64.75

  • L

    UnitedHealthcare

    $125.50

  • N

    UnitedHealthcare

    $134.25

How to Find the Best Medicare Supplement Plans in Idaho

Since Medicare Supplement in Idaho is a complicated subject, MoneyGeek created a chart for different plan types in the state and analyzed the pricing data to help you compare Medicare Supplement Plans in Idaho.

Idaho Medicare Supplement Plans Comparison Chart

Medicare Supplement Plans offer different levels of coverage. Only certain plans are available depending on when you became eligible for Medicare. While Plan F and Plan C are the most comprehensive, new enrollees cannot buy them. If you’re a new enrollee, your best options are Plan G and Plan D.

You can also use MoneyGeek’s chart to compare coverages and average rates to find the best plan for you.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance 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 co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Idaho

In Idaho, the cost of a Medicare Supplement Plan may differ greatly depending on plan type and company. MoneyGeek’s research shows that Regence offers the cheapest Plan A, while Aetna is the cheapest for Plan B and Plan F. UnitedHealthcare offers the cheapest options for Plan C, L, N and K and Blue Cross Blue Shield of Idaho offers the least expensive policies for Plan G.

Companies typically follow one of three pricing styles to determine your premium rate: community-rated, attained-age-rated and issue-age-rated. The following pricing styles are used by providers in Idaho.

  • Community-rated: This is the most common pricing style in Idaho. The premium is the same for everyone; age is not used to calculate your premium.
  • Issue-age-rated: Your premiums are calculated based on your age when you buy the policy.
Average Cost of Medicare Supplement in Idaho

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • Regence
    $103
  • UnitedHealthcare
    $140
  • Aetna
    $147
  • Blue Cross Blue Shield of Idaho
    $167

FAQs About Medicare Supplement Plans in Idaho

MoneyGeek researched the following most frequently asked questions about Medicare Supplement Plans in Idaho to help you understand how these plans work in the state.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Idaho for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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