Medicare Supplement Plans in Idaho

Steven Mott by Steven Mott | Licensed since 2012
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This article was updated on: 10/12/2018

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What are Medicare Supplement Plans in Idaho?

A Medicare Supplement plan in Idaho (also called a Medigap policy) is private health insurance designed to supplement Medicare Part A (hospital insurance) and Part B (medical insurance).

Medicare Supplement insurance plans help pay some of the health-care costs not covered by Medicare Part A and Part B, such as copayments, coinsurance, and deductibles. These out-of-pocket costs can quickly add up and undermine even the best-planned budgets. Some people with Medicare turn to Medicare Supplement plans for added protection.

All Medicare Supplement plans in Idaho (and other states) offer certain basic benefits:

  • Coinsurance (your cost-share) on hospital costs, up to an additional 365 days after your Medicare Part A hospital benefits have run out

They also cover at least a portion of:

  • Medicare Part A hospice care coinsurance/copayments
  • The first three pints of blood received in the hospital and not covered by Medicare Part A or Part B (which may be helpful if you need a blood transfusion)
  • Medicare Part B coinsurance or copayments

Medicare Supplement plans in Idaho can provide other benefits in addition to the basic benefits mentioned above. Each Medicare Supplement standardized benefit plan is labeled by a letter: Plan A, B, C, D, F, G, K, L, M, N, and a high-deductible version of Plan F. Medicare Supplement Plan A consists of the same basic benefits in Idaho as a Plan A in Missouri, for example, and it will have the same basic benefits regardless of the insurance company that sells it.

How do I compare Medicare Supplement plans in Idaho?

If you are interested in buying a Medicare Supplement plan in Idaho, there are a few things you’ll want to keep in mind.

First, familiarize yourself with the Medicare Supplement plan comparison chart to choose the plan type that best meets your needs.

Next, find out if the Medicare Supplement plan you want is available in your part of Idaho. Insurance companies that sell Medicare Supplement plans in Idaho don’t have to offer every plan type. Furthermore, each insurance company decides what monthly premium it will charge. It may be wise to compare premiums to make sure you are getting the best value for your Medicare Supplement plan in Idaho. You can click on the Compare Plans button on this page anytime you like.

When can I purchase a Medicare Supplement plan in Idaho?

As soon as you reach age 65 and are eligible to apply for Medicare, you may also be eligible to purchase a Medicare Supplement plan in Idaho. You need to be enrolled in Part A and Part B.

In most cases, you have a one-time Medicare Supplement Open Enrollment Period (OEP) to purchase any Medicare Supplement plan with no health questions. Your 6-month OEP starts the month you were both age 65 or older, and signed up for Medicare Part B. During the OEP, you can buy any Medicare Supplement plan in Idaho and you are guaranteed coverage.

After the OEP ends, insurance companies might require you to answer health questions on applications, and you may be charged a higher premium than the standard premium for coverage. You can even be turned down altogether. This makes the Medicare Supplement OEP perhaps the best time to buy a Medicare Supplement plan in Idaho.

What else should I know about Medicare Supplement plans in Idaho?

If you purchase a Medicare Supplement plan in Idaho, you must continue to pay your Medicare Part B premium to Medicare and your Medicare Supplement plan premium to the private insurer who sold you the coverage.

Medicare Supplement plans in Idaho (as elsewhere) are designed to work with Medicare Part A and Part B coverage. If you’re enrolled in a Medicare Advantage plan, in most cases it’s illegal for someone to try to sell you a Medicare Supplement plan in Idaho (or any state).

Medicare Supplement plans sold in Idaho (as elsewhere) after January 2006 do not cover prescription drugs. You can enroll in a stand-alone Medicare Part D Prescription Drug Plan if you want Medicare prescription drug coverage.

I would be happy to answer your questions about Medicare Supplement plans in Idaho. You can use one of the links below to set up a phone call with me or request information from me by email.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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