Medicare Supplement Insurance, often called Medigap Insurance, are insurance policies meant to add to Original Medicare
coverage. Original Medicare was not designed to pay for all health care costs. There are many gaps in coverage that Medicare
does not pay for, such as coinsurance and deductibles. You can choose to fill those gaps with Medicare Supplement/Medigap.
Medicare Supplement/Medigap policies come in eleven different standardized plans. Each is identified by a letter “A” through
“N.” Because they are standardized, the benefits provided in any plan with the same letter will be the same, no matter what
company sells you the plan. However, the cost for that plan (premium price) will vary between companies.
Starting January 1, 2020, Medigap plans sold to people who are new to Medicare won’t be allowed to cover the Part B deductible.
Because of this, Plans C and F won’t be available to people who are newly eligible for Medicare on or after January 1, 2020. If
you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before
January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled,
you may be able to buy one of these plans. A new Plan G high-deductible plan will be available starting January 1, 2020.
* Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered
costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,240 in 2018 before your policy pays anything.
**Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment
for emergency room visits that don't result in an inpatient admission.
Plans and premium rates listed in the charts were filed by the company and accepted by the Idaho Department of Insurance (DOI).
The DOI cannot certify the accuracy of the information and recommends consumers contact the company for the exact rates and plans
offered in their area. Due to frequent changes always check with the company for the latest availability and premiums. The
appearance of a company on the list does not constitute an endorsement of a company or its policies by the DOI, SHIBA, or its
volunteers. Please check company websites for contact information. There may be variance in rates based on purchase date.
Membership in associated organizations may be required to be eligible to purchase some plans. Application fees may apply.
Please contact companies for plan details.
Some plans are offered with innovative benefits. These plans are marked with an * in the rate charts and a separate chart listing
the specific innovative benefits offered is also available. Companies may impose a Pre-Existing Condition Look-Back Period. These
companies are indicated with an ** on the rate charts. See the list of rate charts below: