Tacoma Washington is a fairly large city. It houses one of the largest ports in America. There are nearly 142,000 Medicare beneficiaries that reside in Tacoma.

Tacoma Washington Supplemental Medicare Plans

The figures shown in the charts below will be based on a male aged 65. In this article, we’ll discuss the most affordable Medicare Advantage plans and the cheapest Medicare Supplement options.

After that, we’ll cover the average cost of the prescription drug plans and what special needs plans are available. Finally, we’ll take a look at some frequently asked questions and how to get Medicare plan assistance in Tacoma.

Affordable Medicare Advantage Plans in Tacoma, Washington

Medicare Advantage plans continue to grow in popularity. They combine your Medicare benefits into a convenient all-in-one plan option that gives additional coverage not offered by Traditional Medicare.

In Tacoma, over 56,000 Medicare members are enrolled in Medicare Part C options. That comes out to about 40% of beneficiaries on Medicare. There are 53 Medicare Advantage plans to choose from in Pierce county.

There are serval insurance carriers that provide Medicare Part C choices in Pierce county, and we’ve listed some of the most affordable options in the chart.

When it comes to Medicare and your options, you’d be hard-pressed to find a conversation that didn’t include UnitedHealthcare. They are the largest provider of Medicare plans nationwide. They also are endorsed by AARP, which is one of the most well-known senior advocacy groups.

Medicare plans are rated by a star rating system. Kaiser Permanente has a very small network of providers, but they focus on VIP-style care. This has earned them a 5-star rating on their HMO in Tacoma.

Regence Blueshield is the division of BCBS that operates in Tacoma. Blue Cross has been one of the most trusted names in the insurance industry for some time. While BCBS has a primary focus on group plans, they do offer some significant Medicare options as well.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $6,500 HMOPOS 3
Regence Blueshield $0 $5,900 HMO 4
Amerigroup $0 $5,900 HMO 3
UnitedHealthcare $0 $5,500 LOCAL PPO N/A
Kaiser Permanente $0 $6,600 HMO 5

Cheapest Medicare Supplement Plans in Tacoma Washington

While many Medicare beneficiaries choose the path of Medicare Advantage plans, there is another way to get comprehensive coverage with Medicare.

Medicare Supplement plans work as gap coverage for Original Medicare. These plans work together with Traditional Medicare to help cover the costs you’re responsible for.

Since Medigap plans work with Medicare, you still retain the ability to choose any provider that takes Medicare, and you don’t need a referral to see a specialist. These plans are distinguished by letter names. Next, we’ll talk about the top three plans.

Plan F

Plan F is the most comprehensive plan you can buy. Once Medicare pays its portion, Plan F pays your costs. Medicare Plan F is usually the most expensive plan because it offers the most coverage.

Plan G

Plan G is the most popular plan for new Medicare beneficiaries. Its coverage level is exactly the same as Plan F with one exception. You’re responsible for the small, annual Part B deductible. Once that is paid the coverage is the same. Similar to the F, Plan G has a high deductible option called the HDG.

Plan N

Plan N is a very popular plan for money-conscious seniors. This plan has very good coverage that is similar to Plan G. The difference in coverage between plans G and N are as follows.

Once the Part B deductible is met, you’ll pay a copay of up to $20 for doctor visits and up to $50 for an emergency room visit. Other than that being responsible for excess charges is the only other difference between the two plans.

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

Average Medicare Part D in Tacoma, Washington

When it comes to prescription drugs you get from the pharmacy, you have two options with Medicare. If you choose the Medicare Advantage route you can get drug coverage built into the Part C plan. If you choose to stay on Original Medicare or add a supplement you’ll want to enroll in a stand-alone Part D Plan.

Medicare Prescription plans have to be as good or better than the Medicare-approved standard model. The approved model includes four phases of coverage.

One thing to remember, the premium isn’t the biggest deal with prescription drug plans. It’s considerably more important to review your drugs against the plans to ensure you have the best plan for your needs.

SilverScript by Aetna is one of the leading part D plan sponsors. They consequently have the lowest premium Part D plan in the area. If you’re not currently taking prescriptions, this is definitely the plan to roll with.

Next up is Wellcare. They have the second-lowest premium. They are one of the premier Medicare providers in the United States.

Clear Spring is a newer carrier that has only been in business for a few years. Despite a low star rating, we see their plans come up at the top quite often when we review prescription options for our clients.

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

Medicare Part C also has options that are specifically built for beneficiaries with specific situations. These plans are referred to as Special Needs Plans. To qualify to enroll in an SNP you must have the special needs that the plan is set up to assist with.

SNP plans are broken up into three categories; dual, chronic, and institutionalized.

Dual SNPs are designed to help beneficiaries that have both Medicare and Medicaid. They will usually offer a plethora of services and benefits that specifically help low-income individuals.

Chronic SNPs are put together to assist those that have certain chronic health conditions. The most common are plans that assist individuals with diabetes, COPD, or heart conditions.

Institutional SNPs are formulated to cater to individuals that live in an institutionalized setting.

Amerigroup is a small insurance company that only offers plans in a few states. They put quite a bit of focus on the areas they do business and they have a CSNP – HMO in the area with a zero-premium.

Humana is one of the leading Medicare companies in the US. They have a great Dual SNP plan to help low-income beneficiaries in Tacoma.

Molina is a small company that works similarly to Kaiser. They offer VIP-style care in a tight network. Companies that take this approach can really benefit the beneficiaries, but can significantly limit the amount of access to doctors.

PLAN PREMIUM MOOP Plan Type Eligibility
Amerigroup $0 $5,900 HMO Chronic or Disabling
Wellcare $0 $3,450 LOCAL PPO Dual
Humana $0 $6,700 HMO Dual
Molina Healthcare $0 $7,550 HMO Dual
Community Health $0 $7,550 HMO Dual

FAQs

Which drug plan has the lowest premium in Tacoma, Washington?

SilverScript has the lowest premium for a Part D drug plan, coming in at around $7.00 a month. Take a look at your prescription costs as they relate to the drugs. It’s important to take into consideration the overall cost and not just the premium.

How much does Plan N cost in Tacoma, Washington?

Plan N starts at around $140.00 per month in Tacoma. The rates can vary by person.

What’s the difference between HMO and PPO in Tacoma, Washington?

Both are insurance options that utilize a network of providers and contain many cost-saving features. A couple of quick differences:

  • An HMO use a network of providers and requires a referral for a specialist. Out-of-network coverage is only available in an emergency.
  • A PPO uses a network of providers and allows freedom to travel and choose your doctors.

How to Sign Up for Supplemental Medicare in Tacoma, Washington

When you live in an area like Tacoma, there is no shortage of options when it comes to Medicare. We can assist you with determining the coverage that works best for your needs. Since everyone is different, the plan best for you may be different than a friend or family member’s choice.

Let our licensed experts help decipher the Medicare world and help you with this crucial choice. Give us a call, or fill out our online request form. We’re here to assist in every step of the process.

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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.