Best Medicare Supplement Plans in Washington State
Over twenty insurance companies offer Medicare Supplement insurance plans in Washington State. These companies generally have ten plans to offer, but they are not required to sell every plan.
- Of these ten plans, we found Medicare Supplement Plan G is the best plan in Washington State based on affordable rates and comprehensive coverage.
- We analyzed rates from over ten companies and found that Cigna offers the best Plan G rates at $195 per month for a 65-year-old nonsmoking male.
- We also found Plan N to be the second best plan, with an average monthly rate for a 65-year-old male from Mutual of Omaha being $140 per month.
- And for those looking for the lowest monthly cost, the best option is High Deductible Plan G (You must pay a $2,700 annual deductible) with Mutual of Omaha, coming in at only $56 per month.
What Do Medicare Supplement Plans Cover?
Below is a list of the top four plans with coverage highlights:
Medicare Plan G
- Plan G is the most popular, comprehensive plan. Individuals will have a Medicare effective date post-11/20. This plan pays for the Part A deductible and the Part B Coinsurance. When you compare Plan G to Plan F, you will see it offers more savings.
Medicare Plan N
- Plan N has good coverage and is a great value. Plan N allows for monthly savings when you trade certain benefits. For example, this plan has $20 office and $50 ER copays, which are waived upon admittance.
Medicare Supplement High Deductible Plan G
- Same Benefits as Medicare Plan G
- Annual Deductible of $2,700
- Significantly Cheaper than Medicare Plan G
- Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible.
Medicare Plan F
- Plan F has the highest level of benefit and full coverage. To have this plan, a beneficiary must have a 1/1/20 Medicare start date, including Medicare Part A and Medicare Part B deductible.
What’s the Most Popular Medicare Supplement Company in Washington State?
Based on our review of several key factors, Cigna is the top Medicare Supplement company in Washington State.
Although Cigna Medigap plans may provide some of the most affordable options in Washington, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.
Cigna stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.
This chart compares Cigna with other Medicare Supplement companies in Washington. You’ll find helpful information here, like sample premiums and ratings.
| Plan G Cost | Company | Financial Strength |
|---|---|---|
| $195 | Cigna | A |
| $198 | Mutual of Omaha | A+ |
| $218 | United Healthcare | A+ |
| Plan N Cost | Company | Financial Strength |
|---|---|---|
| $140 | Mutual of Omaha | A+ |
| $143 | Cigna | A |
| $178 | United Healthcare | A+ |
When Can I Enroll in a Medicare Supplement Plan?
You can apply anytime, but applying for a Medigap plan in Washington during the six-month Medigap Open Enrollment period is best. Now, you can compare plan options and get the best pricing for Medicare benefits. See below for age-specific information.
At age 65 or older, you can enroll in Medicare once you have Part B (it can’t be changed or repeated).
When turning 65, Medicare beneficiaries will be enrolled on the first day of the month they turn 65. This will start the six-month enrollment period. You will need Part B to be enrolled.
Under the age of 65, an individual may not have eligibility. Some states must sell Medigap insurance policies to those under 65, but the policies typically cost more.
Also, you have guaranteed issue rights which means an insurance company can’t refuse you a Medigap policy if your Medicare Advantage Plan leaves Medicare, stops providing in your area, or moves out of one service area and into another.
How to Choose a Medigap Plan in Washington State
As you compare plans available in your area, consider these factors:
Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, Age, gender, tobacco use, and state of residence.
Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.
Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.
Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.
Frequently Asked Questions:
Premiums range from $56 – $275 monthly for Medicare Supplement Plans in Washington.
Cigna is an excellent choice when finding Washington’s best Medicare Supplement provider.
Plan G is the most popular Medicare plan in Washington state due to its superior coverage. Plan G covers all Medicare Part A and Part B services, including hospitalization, doctor visits, preventive care, medical equipment, and outpatient treatment.
Premiums range from $195 – $250 monthly for Plan G in Washington. The cost of Medigap Plan G can vary depending on the insurance carrier, Age, and location.
Next Steps
We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you get the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.
Article Resources:
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Washington State Insurance Commissioner Website
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
