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Medicare Supplement Plan G in Washington State

Medicare Supplement Plan G in Washington State is becoming increasingly popular with Washington seniors.

Medicare Supplement Plan G covers medical expenses not covered by Original Medicare (Part A and Part B).

Original Medicare, the Federal Medicare Program, generally pays 80% of the approved amount, and the remaining 20 percent becomes out of pocket expenses.

There is no cap on out of pocket costs, so everyone needs the extra coverage.

Once enrolled in Medicare Supplement Plan G in Washington State, you can keep that plan as long as you pay the monthly premium without interruption.

Enrollment Statistics

  • In 2020, 1,398,832 Washingtonians were enrolled in Medicare
  • 20 insurers offer Medicare Supplement Plans in Washington and 12 Medicare Supplement Plans are available in 2021
  • As of July 2020, 511,514 Washington Medicare Enrollees had Medicare Advantage Plans (33%)
  • As of 2018, 301,349 people in Washington had Medigap coverage

What Does Medicare Supplement Plan G Cover?

Original Medicare pays for a lot when it comes to your healthcare. On top of the Medicare-approved amounts that are covered by the Federal Medicare program in the United States, you can enjoy having these additional Medicare benefits covered if you sign up for Medicare Supplement Plan G in Washington State.

Plan G will cover:

· Initial pints of blood

· Medicare Part A deductible

· Medicare Part A hospital costs

· Part A expenses

· Part A hospice care coinsurance

· Skilled nursing facility care

Benefits also pay these Medicare Part B costs:

· Charges over the amount Medicare allows – “Part B Excess Charges”

· Durable medical equipment

· Foreign travel emergency care (lifetime plan limits apply)

· Medicare Part B coinsurance and copays

Be advised that the Part B deductible will not be covered by Medigap Plan G in Washington State.

What is the Plan G Deductible in 2021?

There is no Plan G deductible, but the person eligible for Medicare Plan G must pay the Part B deductible.

What is the Monthly Premium for Medicare Supplement Plan G in Washington State?

The following statistics are based on a 65-year-old woman, nonsmoker, living in Pacific County, Washington State, Zip Code 98640:

The monthly premium for Medicare Supplement Plan G ranges from $120.70 (lowest) to $194 (highest).

There are three ways most insurance agencies use to set their Medicare Plan G rates:

  1. Community Rated: Same price for everyone regardless of age
  2. Issue-Age Rated: Premiums are based on the age at time of purchase, but no increase with aging
  3. Attained-Age-Rated: Premiums based on age at time of purchase and increasing with advancing age

By Washington State law, premiums must be calculated on the Community Rating plan.

When can I enroll in Medicare Supplement Plan G?

In Washington State, Medicare beneficiaries have an advantage with enrollment. State law mandates that anyone 65 or over with Medicare Part A and Part B can purchase a Medigap Plan G with guaranteed issue rights.

The usual enrollment seasons are as follows:

The best time to enroll in Medicare Supplement Insurance Plan G in Washington State is during your six-month Initial Enrollment Period. Beginning on the first day of the month you turn 65 and extending six months out, you can enroll in any Medigap Plan G you choose.

Insurance companies cannot turn you down, charge more for a pre-existing condition, or require you to fill out a medical questionnaire (underwriting) during this time period.

An Open Enrollment Period happens every year from October 15 to December 7. This is intended to allow Medicare recipients to switch between Original Medicare and a Medicare Advantage Plan or buy a Part D Prescription Drug Plan. It is not for people to enroll in a Medigap Plan G policy.

An Annual Election Period takes place yearly from January 1 to March 31. This time is aimed at enrolling people in Medicare Advantage Plans and Medicare Part D prescription drug coverage.

If you are still working and have comparable insurance coverage through an employer, you can sign up for Medicare Plan G within 63 days of stopping work or losing your insurance plan.

If your insurance discontinues your policy or the insurance companies moves out of your service area, you are generally allowed to choose a new Medicare Supplement or Medicare Advantage plan without penalty.

What Is the Difference Between Plan G and Plan G With a High Deductible?

For a Medicare beneficiary new to Medicare after January 1, 2021, Medicare Supplement Insurance Plan G in Washington State is the most comprehensive health insurance available.

Plan G coverage, also called Medigap, fills all the ‘gaps’ left after Original Medicare has paid the approved amount with one exception.

Out of pocket costs for Medicare Supplement Plan G in Washington State require payment of the Part B deductible.

Medicare Plan G offers an optional high deductible plan. The deductible amount is $2,370 in 2021.

Under Medicare Supplement Insurance Plan G in Washington, the benefits covered by Plan G and High-Deductible Plan G Include:

  • Medicare Part A coinsurance and copayments for hospital and Hospice services
  • Medicare Part B Coinsurance and copayments (Medicare Part B Premium excluded)
  • Medicare Supplement Plan G covers the first 3 pints of blood
  • Durable medical equipment
  • Coinsurance for Skilled Nursing Facility care (SNF)
  • Part B Excess Charges
  • Foreign travel emergency care (To Plan limits) up to $50,000 in foreign
    travel emergency benefits

What is the Best Medicare Supplement Plan G in Washington State?

Medicare Supplement Plan G in Washington State is standardized, so every Plan G policy has the same benefits regardless of the insurance agency. The price will depend on the health insurance provider and service area.

What you need to know when shopping:

  • Customer Service: Know who you are calling when help is needed
  • Size Matters: Select an insurer who has long-term stability
  • Financial Strength of Company: Assess their assets and ability to pay your claim

Our Company Recommendations:

We can recommend virtually any company but, based on the above criteria, we prefer the following 3 companies.

Aetna – With 160 years in the insurance business, Aetna maintains a 4-star customer-service rating and has an A+ rating with the Better Business Bureau.

Mutual of Omaha – In business since 1909, Mutual of Omaha has a high customer-service rating of 4.5.

Cigna – Maintains an A+ rating with the Better Business Bureau and an all-around customer-service rating of 2.5 stars.

Which is better, Plan F or Plan G?

How are Plan F and Plan G Different?

Medicare Plan F was once the most popular plan because it provided 100% coverage. On January 1, 2020, new federal regulations ruled out supplement plans paying the yearly Part B deductible. Those with new Medicare eligibility after that date cannot purchase Plan F.

Medigap Plan G is similar to Plan F, but it requires the enrollee to pay the Medicare Part B deductible.

Is Plan G Cheaper than Plan F?

Medicare Supplement Plan G rates reveal lower monthly premiums than Plan F, which seems to more than compensate for having to pay the Part B deductible.

Which should I Choose?

There is no one-size-fits-all answer to which plan is best for you. People enrolled in Medicare Part B before January 1, 2020 can still choose Plan F.

Contact some Medicare Supplement insurance companies in your area, review some Medicare Supplement insurance plans, and request some Medicare Supplement plan quotes.

Ask one of our insurance agents for a breakdown of the costs, compare and do the math, and decide which of the plan options best meets your needs.

What is the Most Popular Medicare Supplement Plan in Washington State for 2021?

Medicare Supplement Plan G in Washington State is the most popular plan being purchased by those brand new to Medicare. Here are five reasons for its popularity:

  • Most comprehensive care available to new Medicare enrollees
  • Best value when benefits are compared with cost of plan
  • Access to any doctor who accepts Medicare in the U.S. (no network limitation). Part G pays Excess Charges if you see a doctor out of network
  • Greater predictability. It fills in all the gaps left by Original Medicare except the Part B deductible
  • Guaranteed Acceptance if you enroll during your Initial Enrollment Period; no underwriting required

Washington State law requires Guaranteed Issue Rights to everyone year round. A Medicare beneficiary can enroll in a plan any time without underwriting.

Frequently Asked Questions about Medigap Plan G

Full Medicare Supplement Plan G Benefits Chart

Does Plan G cover prescription drugs?

Medicare Plan G does not cover prescription drugs. A Part D drug plan can be bought separately.

Does Plan G cover the Medicare Part B Deductible?

Plan G does NOT cover Medicare Part B Deductible.

Does Plan G cover Medicare Part B Excess Charges?

Plan G covers Part B Excess Charges.

Does Plan G cover the Medicare Part A Deductible?

Medicare Supplement Insurance Plan G in Washington State covers Medicare Plan A Deductible.

Is Plan G worth it?

In making a comparison between the out of pocket expenses of a Medicare Part G policy with the Medicare benefits received, it has proven to be worth it.

What is the difference between Plan G and N in Washington State?

Medicare Plan G is the only Medicare Supplement insurance that pays the Medicare Part B Excess Charges. The only other difference between Medicare Plan G and Medicare Plan N is that some copays apply with Part N.

What is Medicare Part G?

Medicare “Part G” is a common name you will find online, Medicare Plan G is a supplement plan that helps cover medical expenses for medical services not covered by Original Medicare, the Federal Medicare program.

Does Plan G cover Silver Sneakers?

Silver Sneakers can be accessed through Medicare Supplement Insurance Plan G in Washington State, but an extra premium will be required.

Related Topics

Ready to Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Key Take Aways
  • Medicare Supplement Plan G in Washington is one of the 10 standardized Medicare Supplement plans.
  • Plan G does not use a provider network, go anywhere Original Medicare is accepted.
  • Aetna, Cigna & Mutual of Omaha are top providers for Plan G in Washington.
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