Best Medicare Supplement Plans in Washington State

There are over 20 insurance companies that 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. For example, the company must provide you with Plan A if it sells any Medigap policies. It must also offer you Plan C or Plan F if it offers customers any insurance plans.

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 Mutual of Omaha offers the best Plan G rates, coming in at $193.00 per month for a 65-year-old female.

We also found Plan N to be the second best plan, with an average monthly rate for a 65-year-old female from Mutual of Omaha being $139.00 per month.

And for those looking for the lowest monthly cost, the best option is High Deductible Plan G from Mutual of Omaha, coming in at only $55.00 per month. With High Deudcutle Plan G, you are required to pay a deductible each year of $2,700 before benefits start paying; this is one of the reasons they offer the plan with much lower monthly rates.

Medicare Supplement Insurance Plan options in Washington State

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 copays and $50 ER copays, but they 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.

Top Medicare Supplement Insurance Companies in Washington State

1. Cigna – Cigna is a trusted company with over 165 million customers. This company is well-established and offers excellent guidance through the Medicare process.

2. Aetna – For a Medigap plan in Washington State, Aetna has extensive extra benefits, more $0 premium Medicare Advantage plans for their customers, and is one of the largest companies.

3. Mutual of Omaha – Mutual of Omaha has excellent customer satisfaction, local agents, and is financially stable.

What Does Medicare Supplement Insurance Cost in Washington State?

Medicare Supplement Plans in Washington State cost an average of $185.00 per month, but rates can vary depending on the Insurer.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

The Insurer determines plan costs in Washinton.

The pricing is based on the following:

Issue Age – pricing based on the Age of acquiring the plan

Community Rating – pricing based on any age

Attained Age – pricing will increase as you age

When Can I Enroll in a Medicare Supplement Plan?

You can apply at any time, but it is best to apply for a Medigap plan in Washington during the six-month Medigap Open Enrollment period. At this time, you can compare plan options and get the best possible 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 you 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.

It is important to remember that Medicare supplement plans do not have enrollment periods and that the Federal Centers for Medicare & Medicaid Services handle the Federal Medicare Program.

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. Enrollment periods only apply to the following:

– Part D Plans

– Having a Medicare Advantage plan or losing it

– Aging into the Federal Medicare Program

– Retiring from group coverage

For those with or about to sign up with Social Security, you will automatically enroll in Medicare Part A and Medicare Part B at 65. In addition, for residents in Washington, you will automatically be eligible for Medicare Parts A, B, and D if you have been receiving SSDI for two years.

Washington State Medicare Resources

Medicare.gov Supplement Information

Medigap Policies

www.medicare.gov

CMS: Centers for Medicare and Medicaid Services

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 plan selection process. We work closely with some of the nation’s 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 about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.