The Best Medicare Supplement (Medigap) Plans in Idaho

Christian Worstell
In this article...
  • Need help choosing a Medigap plan in Idaho? Use this easy-to-understand review of Idaho Medicare Supplement plans to see which one offers the benefits you need.

Original Medicare (Medicare Part A and Part B) pays a portion of health care costs, but beneficiaries must still pay deductibles, coinsurance and other expenses on their own.

Medicare Supplement plans, also called Medigap, are sold through private insurance companies under contract with Medicare. Medigap beneficiaries pay additional monthly premiums to the carriers. In turn, the insurer pays for an array of deductibles, copays and excess charges not covered by Medicare. Almost half (44%) of those who receive Original Medicare benefits in Idaho also have a Medigap policy.1

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Idaho Medicare Supplement Plans?

Idaho residents may be able to pick from 10 different types of Medigap plans. The plans are standardized and include set benefits, no matter which insurance carrier sells them. 

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,700 in 2023. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,940 in 2023. Plan L has an out-of-pocket yearly limit of $3,470 in 2023.
4. 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 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Plans have varying levels of coverage and can include:

Many Idaho residents choose Plan F because of its extensive benefits. This plan covers all services mentioned above. It's also available as a high-deductible plan, which may have lower premiums. Plan F is only available to those who became eligible for Medicare before January 1, 2020. 

Those who qualified for Medicare after January 1, 2020, must pay for the Part B deductible themselves and can choose Plan G or any other type of standardized Medigap plan listed above except for Plan C or Plan F. Plan G has similar benefits to Plan F and is also available as a high-deductible version. 

Plan N is also a sought-after Medigap choice in Idaho. It's the only plan that requires copays for some Part B services, typically resulting in lower premiums. Plan N may cost you a maximum of $20 for certain doctor's visits and up to $50 some emergency care. It covers foreign travel emergencies but not excess charges.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in an Idaho Medigap Plan?

Medicare has strict guidelines regarding enrollment periods for different health insurance plans. You can sign up year-round for Medigap, but you get certain protections if you apply when you're first eligible. This is known as your Medigap open enrollment period.

Each person's Medigap open enrollment period is different. It begins the month you're 65 or older and enrolled in Medicare Part B. You have six months to buy any Medigap policy without being qualified by an insurance company based on your health. Insurers must offer you the same premium as a beneficiary who has no medical conditions.

This is a one-time open enrollment window. Once it ends, you must apply for Medigap like any other health insurance plan that involves medical assessments to determine the conditions of your coverage.

There are certain scenarios where you may have guaranteed issue rights to a Medigap policy, however. An insurer may be required to issue you a policy and cover pre-existing conditions without charging higher premiums if:

  • You no longer have union or workplace insurance that supplements Medicare.
  • You're within your Medicare Advantage trial right period and are returning to Original Medicare.
  • You no longer have Medicare Advantage coverage because you've moved.

Your existing Medigap coverage is ending because the insurer isn't following Medicare rules or is leaving Medicare.

  1. AHIP. (Mar. 2022). The State of Medicare Supplement Coverage: Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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