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Best Medicare Advantage Plans in Washington State

Learn about top-rated companies, best types of plans, average costs, and the best time to enroll in a Washington State Advantage Plan.

Medicare Advantage Plans in Washington State is a different way to get your Original Medicare benefits (Medicare Part A and Part B). Under a Medicare Advantage plan, also called Medicare Part C, you get your Part A and Part B coverage through an independent insurance company instead of through the federal government.

Top rated Medicare Advantage plan providers in Washington state

  • Humana
  • Premera Blue Cross Medicare Advantage
  • Amerivantage Classic
  • Regence BlueAdvantage
  • Aetna
  • Regence MedAdvantage Basic
  • Community HealthFirst
  • Cigna
  • Group Health Cooperative Clear Care Vital
Find Plans in Your Area
 

Popular Medicare Advantage plan types in Washington State

Best network freedom: Medicare Advantage PPO

  • Larger network
  • No referrals
  • Premium range: $0 to $100 a month

Best for lowest out of pocket: Medicare Advantage HMO Plan

  • Average premiums: $0
  • Out of pocket: lower because HMOs use referral network

Best for low income or health conditions: Medicare Advantage D-SNIP

A SNIP (Special Needs Insurance Plan) is for individuals who have both Medicare coverage and Apple Health, Washington’s Medicaid program:

  • Combines Medicare and Apple Health coverage into one plan
  • Dual coverage lowers out of pocket costs on copays and premiums
  • Not available in every county

Washington Enrollment growth:

Medicare Advantage is showing steady growth when it comes to health care coverage for Medicare beneficiaries. Washington State saw 10% growth over 2020. We believe MA plans provide good coverage and are helping transform the healthcare industry.

  • Number enrolled in Medicare Advantage nationwide: 19.89 million
  • Percentage of Medicare beneficiaries enrolled in Medicare Advantage nationwide: 34%
  • Number enrolled in Advantage: 387,101
  • Percentage of Medicare beneficiaries enrolled in Advantage in Washington: 31%

Number enrolled by plan in Washington:
Local HMO: 331,871
Local PPO: 55,230
Regional PPO: 0

How much does Medicare Advantage in Washington State cost?

CMS reports there are 157 Advantage plans available in 2021:

  • Premiums vary by county
  • Premiums vary by type of plan: HMOs typically have $0 premium. PPOs can have $0 premium, but the trend is toward having a premium
  • The average premium for MA plans is $39.34
  • The average monthly premium for plans that include Part D coverage is $41.10
How much do Advantage Plans cost in Washington State?
Plan Type Premium Range
PPO Plan$0.00 to $39.34
HMO Plan$0.00

When can I enroll in a Medicare Advantage plan?

The Centers for Medicare and Medicaid Services oversees the Medicare program and sets enrollment guidelines.

Initial Enrollment Period

Your Initial Enrollment Period begins when you’re first eligible for Medicare Part A and Part B.

  • When you turn 65 (aging into Medicare)
  • Starts three months before you turn 65, ends three months after
  • Eligibility for Medicare Advantage hinges on staying enrolled in the Medicare program and paying your Part B premium.

If you’re still working and have employer insurance — or your spouse still works and has insurance that covers you — you don’t have to enroll in Medicare when you turn 65. When you do decide to enroll, you’ll qualify for a special enrollment period.

Open Enrollment Period – AKA Annual Election Period

Your Open Enrollment Period is Oct. 15 through Dec. 7 each year. During this time you can:

  • Join or leave any Washington Medicare Advantage plan
  • Change to another plan
  • Return to Original Medicare
  • Buy a Medicare Part D plan (if you return to Original Medicare)

The effective date of your new plan is Jan. 1.

Medicare Advantage Open Enrollment Period

Medicare Advantage open enrollment is Jan. 1 through March 31 each year. During this time you can:

  • Leave Medicare to join Original Medicare
  • Switch to another Advantage plan
  • Pick up or drop Medicare Part D if you’re changing plans

The effective date of your new plan is the first day of the month after you switch.

Special Enrollment Periods

In certain situations, Medicare beneficiaries can change plans outside of their Annual Election Period. Following are a few of the special circumstances that qualify for special enrollment:

  • Move in or out of a service area
  • Insurance company ends its contract with Medicare
  • Lose group health care coverage

Call one of our licensed insurance agents to learn more about special enrollment periods.

5-star Special Enrollment Period

Medicare rates each Advantage plan in Washington State. A 5 star rating is the highest. You can use the 5 star Special Enrollment Period once between Dec. 8 and Nov. 30 to switch to a 5 star plan.

Special Enrollment Periods if you get “Extra Help”

  • Eligible for Medicare and Medicaid: You can join, drop, or change plans once between January-March, April-June, and July-September.
  • Extra help for drug coverage: You can join, drop, or change drug coverage once between January-March, April-June, and July-September.
  • Enrolled in State Pharmaceutical Assistance Program: You can join a Part D plan or an Advantage plan once each calendar year.

Medicare Advantage Highlights:

Following are the highlights of Medicare Advantage insurance plans in Washington:

  • Increasing in popularity each year
  • Private insurance companies handle claims and customer service
  • Must be enrolled in Medicare Part A and Part B to qualify
  • Most plans in Washington include prescription drug coverage
  • Require you to see network healthcare providers
  • Cover all of the medically necessary care included in Original Medicare
  • Typically include extra benefits such as over-the-counter medicines, wellness programs, and meal delivery
  • Have Special Needs Plans for those with chronic conditions such as end-stage renal disease
  • Frequently have low or $0 monthly premium

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

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