Washington Medicare Supplements are designed to assist beneficiaries in paying their portion of the Medicare cost-share. These plans work alongside Traditional Medicare and create the most comprehensive medical insurance you can have.
Medigap plans are standardized and regulated by Medicare. This means the coverage is the same regardless of which insurance company you choose or where you reside. The only difference will be the monthly premium.
Medicare Supplement plans in Washington
In Washington state, there are some unique Medicare Supplement rules. If you are enrolled in a Medicare Supplement plan, you can change to another plan without going through the underwriting process. In most states, you must pass medical underwriting to change plans.
Washington has 301,349 Medicare beneficiaries that are enrolled in a Medigap plan. That makes up just about 31% of the Medicare population in the state. Medicare Supplements are community-rated, meaning everyone in the state will pay the same amount when they enroll despite their age.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| 2,606 | 854 | 7,403 | 406 | 179,803 | 44,979 | 6,130 | 927 | 2 | 39,939 |
What are the best Medigap plans in Washington?
There are ten plan options for beneficiaries residing in Washington to choose from. Most people select one of the top three Medigap plan letters.
The most comprehensive plan that beneficiaries can buy is Plan F. It pays the entire portion of your cost-share leftover by Traditional Medicare. Plan F has a high deductible option that appeals to some savvy seniors. You can only choose this plan if you were on Medicare before 2020.
Plan G is the most popular plan for new Medicare members. Plan G’s coverage is as Plan F’s with one exception. You’re required to pay the Medicare Part B deductible before coverage starts. Similar to plan F, this plan also has a high deductible option.
Plan N gives many beneficiaries the perfect balance of coverage and budget. The significant difference is with the N with a coverage level similar to G. You have small copays for the doctor visits and emergency room.
Medigap plan coverage chart for Washington
One great thing about Washington Medicare Supplements is that the coverage is the same, no matter where you live or your chosen company. This makes shopping for the right plan for you a simple matter of budget.
Medicare Supplement plans costs in Washington
Medicare Supplement prices can vary due to several different factors. The most common is where you live, your age, and if you smoke.
In Washington, your age and location won’t affect your rate, but smoking definitely will affect the rate.
Other factors that can affect your rate that apply to Washinton are discounts for multiple medicare beneficiaries when you apply and how you pay your policy’s premium.
What’s the average cost for a Medicare Supplement plan in Washington?
Medicare Supplement premiums in Washington will vary because of a few factors. The average monthly premiums for Medigap plans range from $130 to $240.
Cheapest premium per Medigap letter plan in Washington
The prices in the chart below are based on a male aged 70 years old. Your premium could be different depending on various reasons.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $132 | $199 | $234 | $206 | $235 | $99 | $61 | $136 | N/A | $139 |
Most expensive premium per Medigap letter plan in Washington
In the graph shown, these are the highest rates. They’re based on a 70-year-old female. Just as above, your actual rate may vary.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $334 | $372 | $461 | $398 | $465 | $279 | $121 | $147 | N/A | $210 |
Top Medigap plan carriers in Washington
Below are the top Medigap insurance carriers in the state. The premiums shown are for a 65-year-old male. Remember, the only difference between carriers is the price and the company’s quality. The coverage remains the same.
| CARRIERS | PLAN F | PLAN G | PLAN N |
| United World | $252 | $197 | $139 |
| USAA | $239 | $185 | $141 |
| Cigna | $239 | $194 | $143 |
| Regence Blueshield | $242 | $191 | $147 |
| Premera | N/A | $99 | $195 |
Check out Washington cities for estimated Medicare Supplement insurance rates!
Check out the linked charts to see the estimated premiums for different types of Medicare Supplement plans in the cities listed below:
FAQs
Who is the largest Medicare Supplement provider in Washington State?
With company ratings noted as A- or “Excellent.” licenses the name to , making them a big hit with the boomer population. Plans are available in all 50 states, covering over 40 million people throughout the US and its territories.
Does Medicare cover dental in Washington state?
Medicare in Washington state doesn’t include procedures or supplies for dental care such as cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. While Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care, it doesn’t cover anything else related to dental.
Can I be denied a Medicare Supplement plan in Washington state?
You can be denied coverage if you’re enrolling outside of your Open Enrollment or in a Guaranteed Issue situation. If you are not in one of these situations, you’ll be required to pass medical underwriting to enroll in a Medigap Plan. In this situation, you could be denied due to health.
What is the downside to a Medigap plan in Washington state?
The biggest downside to Washington Medicare Supplements is the higher monthly premium with more comprehensive coverage. Another disadvantage is the need to purchase a separate prescription drug plan.
How to sign up for Medicare Supplement plan in Washington
Washington has special rules to help Medicare beneficiaries. Call us to help you find the best plan for your needs and help you understand the unique rules available to help you in the state. Our licensed agents specialize in Medicare and can assist you with every step. For more information, fill out our online request form.
