Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Idaho. However, if you get a Plan F policy in Idaho now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Idaho Medicare Part D plan.
Idaho has Standardized Medicare Supplements
The Idaho Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
Each lettered plan offers the basic coverage of Plan A. Plans B through N offer different levels of gap coverage, including some with annual out-of-pocket limits. This gives people significant range of choice based on the amount of insurance needed.
Carriers are free to market the the policies they want, with these simple limitations:
- Carriers are not required to offer every plan
- Plan A is mandatory
- Plan C or F must be offered
To learn more, visit the Idaho Department of Insurance website at http://www.doi.idaho.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Idaho dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Idaho is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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