Washington Medicare Supplement plans are designed to assist beneficiaries in paying their portion of the Medicare cost-share. These plans are designed to work side by side with 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.

Washington Medicare Supplement Plans

In Washington state, there are some unique Medicare Supplement rules. If you are enrolled in a Medicare Supplement plan, You’re allowed to change to another plan without going through the underwriting process. In most states to change plans, you will have to pass medical underwriting.

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 10 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 your 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 prior to 2020.

Plan G is the most popular plan for new Medicare members. Plan G’s coverage as Plan F 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.

The Plan N gives many beneficiaries the perfect balance of coverage and budget. With a coverage level similar to G, the major difference is with the N you have small copays for the doctor visits and emergency room.

Medigap Plan Coverage Chart for Washington

One great thing about Medicare supplements is that the coverage is the same no matter where you live, or which company you choose. 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.

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

FAQs

Who is the largest Medicare supplement provider in Washington State?

With company ratings noted as A- or “Excellent”. AARP licenses the name to UnitedHealthCare, making them a big hit with the boomer population. Plans are available in all 50 states and cover in excess of 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 Medigap plans in Washington state 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. Give us a call so we can help you find the plan that’s best for your needs and help you to 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.

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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.