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Medicare Supplement Plans in Washington State

Some of the best Medicare Supplement plans in Washington State made life easier for many senior citizens, and since you are on this page, you may wish to have the same thing. Once you have turned 65 years old and obtained your Original Medicare coverage, you are also entitled to purchase Medicare Supplement plans. The right Medicare Supplement insurance plans in Washington State are out there. All you need to do is find them.

What is the best Medicare Supplement Plan in Washington?

1. Best for full coverage: 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, and includes Medicare Part A deductible and Medicare Part B deductible.

2. Best comprehensive coverage: Medicare Plan G

Plan G is the most popular, comprehensive plan. Individuals will have a Medicare effective date post 1/1/20. 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.

3. Best value: Medicare Plan N

Plan N has good coverage and is a great value. Plan N allows for monthly savings when you trade certain benefits. This plan has $20 office copays and $50 ER copays, but they are waived upon admittance.

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 will have the ability to 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 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. 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.

How Much Do Medigap Policies Cost in Washington?

Plan costs in Washinton are dertermined by the insurer. The pricing is based on the following:

Issue Age – pricing based on age of acquiring the plan
Community Rating – pricing based on any age
Attained Age – pricing will increase as you age

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$191.00 - $211.50
Plan N$139.78 - $173.25

Who sells Medicare Supplement Plans in Washington?

1. Cigna – Cigna is a trusted company with over 165 million customers. This company is well established and offers great 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 great customer satisfaction, local agents and is financially stable.

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.

Washington State Medicare Resources

Washington State Enrollment Statistics

The largest counties in Washington State are listed below:

King County has 1,931,249 residents
Pierce County has 795,225 residents
Snohomish County has 713,335 residents
Spokane County has 471,221 residents
Thurston County has 252,264 residents

America’s Health Insurance Plans or AHIP learned that 30.6 percent of Washington’s citizens who are enrolled in Medicare Part A and Part B also decided to purchase Medigap policies in 2015. In 2017, more than 874,000 Medicare recipients obtained supplemental coverage.

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