- (208) 243-9066
- dan@taylorviewinsurance.com
- 2285 E 25th Street, Suite 201, Idaho Falls, ID 83404
Idaho Medicare Supplement plans, also known as Medigap, are private insurance policies that help pay for costs Original Medicare (Parts A and B) leaves behind, like deductibles, copayments and coinsurance.
There are 10 standardized Medigap plans, labeled A through N. Plans with the same letter offer the same basic benefits, so choosing among companies comes down to price, stability and service, and that’s where we help. Plans C and F are only available if you became eligible for Medicare before 2020, and Plans G and N are among the most popular choices for people new to Medicare. Medigap does not cover prescription drugs, dental, vision or long-term care.
To enroll, you need both Part A and Part B. Your best chance is your Medigap Open Enrollment Period, a six-month window that starts the month you’re 65 or older and enrolled in Part B. During it, companies can’t turn you down or charge you more because of your health. After it ends, you may have to answer health questions and could be denied.
Medigap premiums vary by plan, company and location, and your policy renews every year regardless of your health. With Medigap you can generally see any doctor or hospital that accepts Medicare, with more predictable costs. We help you weigh the trade-offs against Medicare Advantage.
Medicare Part D helps pay for prescription drugs and is sold by private insurers approved by Medicare. You can get it as a standalone Prescription Drug Plan (PDP) alongside Original Medicare and Medigap, or as part of a Medicare Advantage plan. Every plan has its own formulary (list of covered drugs) and tiers, so your costs depend on which medications you take and which pharmacies you use. Most people pay a monthly premium, a yearly deductible on some plans, and a copay or coinsurance for each drug.
The “donut hole” or coverage gap is gone. Part D now has a yearly cap on what you pay out of pocket for covered drugs: $2,100 in 2026 and $2,400 in 2027. Premiums, deductibles and formularies change every year, so it pays to review your plan every fall. Delaying Part D enrollment without creditable drug coverage can also bring a late enrollment penalty. Send us your prescription list and we’ll compare plans for you.
Our mission is to give Idaho families and employers clear, honest guidance on health insurance, and to stay with you long after you enroll.