Seattle is the largest city in Washington. Quite frankly it isn’t one that many people think of when they think of retiring, however, they have 484,926 Medicare beneficiaries that live in the city. With nearly 190,000 enrolled in Medicare Part C.

Supplemental Medicare Plans in Seattle, Washington

When it comes to Medicare plan options, there are a few directions you can go. Some people choose to enroll in Medicare Advantage to receive their benefits in an all-in-one plan option.

Others choose to stay on Original Medicare, and add a Part D prescription plan and a Medigap to their coverage. There isn’t really a right or wrong decision. It’s important to choose the route that fits your individual needs.

Today we’ll talk about what the Medicare Advantage options look like and some affordable Medicare Supplement plans. After that, we’ll cover the cheapest Part D plans and what special needs plans are.

The information in the charts below is all based on a 70-year-old man residing in Seattle.

Average Medicare Advantage Plans in Seattle, Washington

In Seattle approximately 40% of the Medicare beneficiaries that live in the city elect to enroll in a Medicare Advantage plan. The majority of the female beneficiaries choose this option. Seattle is situated in Kingo county. Individuals enrolled in Medicare have 52 different Medicare Part C plans they can choose from.

There are many carriers to choose from in Seattle, but one of the top plans belongs to Kaiser Permanente. They have a tight provider network on their HMO plans, but provide excellent care are services to their patients. They even boast the highest star rating that any Medicare Advantage can have.

Aetna has a PPO available with a maximum out-of-pocket lower than the HMO options shown. They have a large network of providers and provide some coverage as in-network even when traveling. Recently purchased by CVS, they are one of the largest healthcare providers.

UnitedHealthcare is endorsed by AARP. Together these companies have become a powerhouse when it comes to advocating for seniors. UHC has an HMO-POS plan that allows you to see some providers even if they aren’t in the network.

PLAN PREMIUM MOOP Plan Type Star Rating
Premera Blue Cross $0 $6,700 HMO 3
Kaiser Permanente $0 $6,600 HMO 5
Aetna $0 $5,500 LOCAL PPO 4
Humana $0 $5,000 LOCAL PPO 4
UnitedHealthcare $0 $6,500 HMOPOS 4

Affordable Medicare Supplement Plans in Seattle, Washington

Medicare Supplement plans are standardized coverage, meaning that your coverage will be the same no matter where you are, or which company you choose.

In addition, since they supplement Medicare and don’t replace it, they allow you to see healthcare providers nationwide without the need for referrals.

10 Medigap options are available. Of these, most beneficiaries enroll in one of the most popular plans. Plan F, G, and N represent most of the Medicare Supplement enrollments in Seattle.

Plan F is the most comprehensive option. You are only responsible for your plan premium. As long as you’re paying your premium, Plan F will pay all of the Medicare cost-share that you are responsible for.

Plan G is the most popular plan for individuals that are new to Medicare. The coverage is almost identical to the coverage you receive from Plan F. There is only one difference between the two plans. With Plan G you’re responsible for the Medicare Part B deductible.

Plan N rounds out the top Medigap options. It’s the perfect balance between cost and coverage. With a lower cost than the previous two plans, we mentioned, Plan N has comparable coverage.

Plans HDF and HDG are high deductible versions of Plans F and G. With these you must meet a large deductible before the plan kicks in to cover your costs.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $132.00 $334.52
PLAN B $199.11 $372.83
PLAN C $234.68 $461.14
PLAN D $206.46 $398.06
PLAN F $235.84 $465.99
PLAN HDF $44.00 $73.17
PLAN G $99.35 $279.16
PLAN HDG $44.00 $66.22
PLAN K $61.24 $121.00
PLAN L $136.80 $147.25
PLAN M N/A N/A
PLAN N $139.78 $210.00

Cheapest Medicare Part D in Seattle, Washington

The scariest part of Medicare for most beneficiaries is the Prescription coverage portion. Many have heard the horror stories related to falling into the dreaded donut hole from their friends and colleagues.

To get prescription coverage covered under the Medicare system you have to choose one of two ways. You can either get it all-in-one Medicare Advantage plan that includes drug coverage or you can enroll in a stand-alone Part D prescription plan.

SilverScript has been one of the most popular plans for several years. Their clients rave about the customer service and they have plans that fit all budgets. SilverScript is an Aetna company.

Wellcare comes in second only to SiverScript for the cheapest plan premium. They have become one of the top Medicare carriers nationwide. Not only for prescription plans but with Medicare Advantage as well.

Clear Spring is a smaller company that is still fairly new in the Medicare market. They have a low star rating currently, but they’re improving. We do see them at the top often when we’re looking at certain drug combinations.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.70 $480 3
Wellcare $11.60 $480 3
Clear Spring $16.20 $480 2
Elixir $20.30 $480 3
Humana $22.70 $480 4

Medicare Special Needs Plans

Special needs plans are Medicare Advantage plans that are designed to help people that have specific needs. These plans are broken up into three categories.

Dual SNPs

D-SNPs work hand in hand with Medicaid to assist Medicare beneficiaries who have dual enrollment in both programs. These plans have plan-specific benefits to assist low-income individuals.

Chronic SNPs

C-SNPs work to assist beneficiaries that have chronic health conditions like diabetes and COPD. The coverage can adjust the tiers of certain drugs, as well as, give increased coverage for benefits that are geared towards the condition.

Institutionalized SNPs

I-SNPs are specifically set up for beneficiaries that are living in an institutionalized setting.

Most insurance carriers offer some sort of SNP plan, but keep in mind they may not be available in all areas. Community Health is a small Medicare provider that offers a DSNP in Seattle.

Amerigroup’s a small regional carrier that was formed by a group of doctors. Their goal is to provide the best care they can for their patients and give peace of mind to their families.

Molina is a company that offers a similar style of coverage as Kaiser. They offer VIP care, where nearly all your doctors and services are in one location. Because of this they also have fewer providers that accept the plan.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $6,700 HMO Dual
Amerigroup $0 $2,500 HMO Institutional
Molina Healthcare $0 $7,550 HMO Dual
Wellcare $0 $3,450 HMO Dual
Community Health $0 $7,550 HMO Dual

FAQs

How much does a Plan N cost in Seattle, Washington?

Plan N starts around $140. The costs could vary depending on several factors.

What drug plan has the lowest premium in Seattle, Washington?

SilverScript has the lowest premium of any drug plan availible. The monthly cost is just under $7. Keep in mind that it’s more important to look at the monthly cost of your prescriptions than the premium. Every plan covers drugs differently and the montly price is not indicative of a less expensive plan for your needs.

What’s the best Medicare Supplement in Seattle Washington?

Plan F has the highest level of coverage. If you were on Medicare prior to 2020 you are able to enroll in this plan. If your Medicare started in 2020 or after, the Plan G has the highest level of coverage available to you.

How to Sign Up for Supplemental Medicare in Seattle, Washington

Signing up for a supplemental medicare plan is easy, but choosing the right one isn’t quite so simple. With tons of options in Seattle, it’s no surprise that so many have a hard time deciding and finding the best plan for themselves.

That’s where we come in! We can access your situation, check your scripts and doctors, and then guide you based on your needs and wants. Let us be your one-stop shop. Give us a call, or fill out our online request form for assistance.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.