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Best Medicare Supplement Plans in Washington 2021

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 are the Top 5 Medicare Supplement Plans 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.

4. Best deductible plan: High Deductible Plan F

HDF is just like the original plan F. This high deductible plan will need the annual deductible of $2,370 to be paid before the coverage can begin. This plan is more affordable monthly than the regular plan.

5. Best for lowest premiums: High Deductible Plan G

HDG plan reduces your monthly premiums when the annual deductible of $2,370 is paid and has the same coverage as the original Plan G.

What is the Best Supplemental Insurance to go with Medicare?

The most popular Medicare Supplement plan in Washington is Plan G. This plan is well-liked by policyholders because its benefits are inclusive and affordable, no matter if you have pre-existing conditions.

Plan G/Best comprehensive Medicare coverage – Medigap Plan G allows you to see a U.S. doctor that accepts Original Medicare, pays all of Medicare Part A coinsurance, copays, and deductibles, and covers Part B coinsurance and copayments.

This plan does not cover the deductible for Part B, which will be the only out-of-pocket costs. To have a Prescription drug plan, you will need the Medicare Part D Plan.

Medicare Part D Plan covers outpatient retail prescriptions while Plan G does has prescription drug coverage for all Part B medications. Other basic benefits of Plan G include:

The ability to change doctors anytime
The freedom to go to any hospital or facility for health care that takes Original Medicare
Covers 100% Excess Charges and foreign travel emergency
No referrals are needed
Can go outside of the network

Plan F/Best full coverage – Before 2021, this plan was considered the best full coverage Medicare Supplement plans in Washington. Plan F is available to those before 1/1/2020 for Medicare. Also, it includes Medicare Part B deductible.

If you should not qualify for Plan F, Plan G is the best choice for a Medigap policy. The only difference between Plan G and Plan F is that Plan G does not include the Medicare Part B deductible.

What is the Average Cost for a Medicare Supplement Plan in Washington State for 2021?

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

Common Washington State Medicare Supplement Plan Questions

What Companies Sell Medigap Plans 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.

4. Florida Blue Cross Blue Shields(For Florida Residents Only) – Medicare rates Florida Blue with an overall 4.5 and a 3 for health and drug plans in 2021.

When Can I Apply for a Washington State 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 Washinton, you will automatically be eligible for Medicare Parts A, B, and D if you have been receiving SSDI for two years.

Which is better, Medigap Plan G or Plan N?

Each plan is a good option. Both are very comprehensive, but Plan G is better. Plan G does have higher premiums, but it pays Medicare Part B Excess charges, whereas Plan N does not. Plan N has lower monthly premiums, but Medicare beneficiaries will be paying small portions as they use the plan.

What is Medicare Supplement Insurance?

A Medicare Supplement Insurance, also called Medigap insurance, is an insurance policy that covers the gaps that aren’t taken care of by an Original Medicare plan. This type of policy is good because it will handle medicare coverage for the following:

  • Medical expenses, medical services, and any supplies related to your healthcare
  • Copayments
  • Deductibles
  • Coinsurance

Is Plan G the Best Medigap Plan in Washington State?

How Much Does it Cost?

For a 65-year-old female, nonsmoker, Medicare Supplement Insurance plans for Plan G in Spokane, Washington (zip code: 99202), monthly premiums will be:

Medicare Plan G: $180-$220

High Deductible Plan G: $50-$70

What is the deductible for Plan G in 2021?

The Medigap Plan G insurance policy Part B deductible is $203. This Medigap Plan in Washington will require a $203 Medicare Part B deductible to be paid by the beneficiaries. The Part A deductible is covered by Plan G.

What does Medigap Plan G Cover in Washington State?

Related Topics

Plan G by State

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.

Key Take Aways
  • There are 10 Medicare Supplement Plans in Washington State to choose from.
  • In Washington State, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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