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 entitled to purchase Medicare Supplement plans.

Medicare Supplement Insurance Plan options in Washington State

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.

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.

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.

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 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.

Medicare Supplement Insurance Cost in Washington State

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

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.

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 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. 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.

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.

Washington State Medicare Resources

Medicare.gov Supplement Information

Medigap Policies

www.medicare.gov

CMS: Centers for Medicare and Medicaid Services

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 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.