Best Medicare Supplement Plans in Washington State – F, G & N Benefits
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.
Best Types of Medicare Supplement Plans in Washington State
Private insurance companies that are licensed in the state of Washington offer Medicare Supplement insurance plans. These companies generally have 10 plans to offer their customers, but they are not required to sell every plan. The company is required to offer you Plan A if it is selling any Medigap policies. It must also offer you Plan C or Plan F if it is offering customers any insurance plans at all.
Before you decide that you will purchase a Medigap plan, you must be aware of the following rules:
- You cannot purchase a Medigap plan unless you have your Original Medicare A & Medicare Part B first.
- When you have a Medigap plan, you are required to pay monthly premiums.
- Spouses may not be beneficiaries of the same Medigap plan.
- Your Medigap plan will be guaranteed renewable whether you have a health condition or not.
- Your Supplement will not include Part D prescription drug coverage, so you’ll need to buy this on your own.
If you are currently on a Medicare Advantage plan, keep in mind that it will be illegal for an insurance agent to sell a Medigap plan to you. You can only buy a Medigap plan if you have your Original Medicare insurance, so all you will need to do is switch back to Original Medicare.
Medigap plans in Washington State are standardized. This means that each policy follows the rules and regulations of the federal and state governments. A beneficiary can obtain the same basic coverage, but you can purchase a plan that offers the extra benefits that you desire. For example, most plans will not pay your Part B deductible, but two of these plans will.
Benefits of Medicare Supplement Plan F in Washington State:
Medicare beneficiaries who have decided that they don’t want to worry too much about their health care costs often sign up for this health plan. Of course, because it offers the most coverage, it does typically come with higher premiums than most Medicare plans.
You may find that the out of pocket costs that you can save on by choosing Medicare Supplement Plan F in Washington State that make the premiums more than worth it:
- Part A hospital coinsurance
- Hospital costs up to 365 days after benefits through Original Medicare are exhausted
- Part A hospice care copays or coinsurance
- Part A deductible
- Part B deductible
- Part B preventive office visit coinsurance
- Part B coinsurance or copays
- Excess charges for Medicare Part B
- First three pints of blood needed for a medical procedure
- Coinsurance for care in a skilled nursing facility
- Limited foreign travel emergency care
Plus, if you’d prefer, you can choose a high deductible Plan F option instead of a standard Plan F.
Benefits of Medicare Supplement Plan G in Washington State:
As a plan that covers many of the things that the standard Medicare benefits do not cover, Medigap Plan G in Washington State is another popular option.
- Does NOT cover Medicare Part B deductible
Benefits of Medicare Supplement Plan N in Washington State:
If you’ve got an out of pocket limit in mind of how much you’re willing to spend on monthly premiums for a Supplement, check out the affordable benefits that come with Medigap Plan N in Washington State. Of course, it’s cheaper because there isn’t as much coverage, but many people don’t mind the cost-sharing of this affordable plan.
- Does NOT cover Part B Deductible
- Does NOT cover Excess Charges for Part B
- Requires $20 copay for office visits
- Requires $50 copay for emergency room visits
Medicare Supplement Plans in Washington: When Can I Enroll?
You can enroll in the best Medicare Supplement insurance plan in Washington State during the Medigap Open Enrollment Period. This Initial Enrollment Period lasts six months, and it allows you to purchase any Medigap policy that is being sold in Washington whether you have a pre-existing condition or not. It begins the month that you turn 65 years old and enroll in Medicare Part B, and it lasts for six months.
During the Initial Enrollment Period, your Medicare insurance company will use medical underwriting to determine whether or not the company will offer you one of its Medigap plans in Washington. The underwriting process will also help the insurance agent determine how much your premiums should be and other pieces of information, including the following:
- How much your deductibles should be
- How much your coinsurance should be
- How much your copayments should be
Your benefits will also be determined at this time.
Failure to purchase your Medigap plan during the Initial Enrollment Period can mean that you will lose your right to purchase Medigap plans in Washington State without going thru medical underwriting. A Medicare insurance company could decide to sell you a policy after the enrollment period, but the policy will be more expensive then. While you will be approved for certain Medicare Supplement insurance plans in Washington State with pre-existing conditions during the Initial Enrollment Period, if you are outside of the period, your pre-existing conditions can disqualify you.
You can find the best Medicare Supplement plan in Washington when you compare the rates that several insurance companies offer you. Some insurance companies will offer you higher rates, but others will offer lower rates for the same coverage. Just make sure that you compare the same type of coverage from each insurance company. When you find the company that is offering the best benefits for the lowest rates, then you have found the best Medicare Supplement insurance plan in Washington.
Medicare Supplement Plans in Washington: Enrollment Statistics
The largest counties in Washington 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.
Washington State Medicare Resources
It can be difficult to choose the best Medicare Supplement insurance plans in Washington, but the following links will help you out. You can learn more about what Medicare Supplements are and how they’re helpful. You can also find out about the Medicare Part B premium and what benefits you can enjoy through Medicare by checking out these resources:
We are also here to help people from Clark County, Seattle and elsewhere throughout Washington State understand their options. We can provide insight and information about Supplement plans, Medicare Advantage plans, and even Medicare prescription drug plans. We can help you get quotes from companies like Blue Cross BlueShield, United Healthcare and more so that you can find a plan that is affordable for you.
Related Topics for Comparing Medicare Supplement Companies and Plans in WA
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.