Best Medicare Supplement Plans in Washington State 2020 – Comparison Chart
The best Medicare Supplement plans in Washington State for 2020 help Medicare beneficiaries pay some of the health costs not covered by Original Medicare. Medicare Supplement plans cover deductibles, copayments, and coinsurance. There’s a good chance that you will keep the Medigap plan you initially choose indefinitely, so it’s important to understand the outline of coverage for each Medicare Supplement plan in Washington State, the benefits offered and the way the insurance provider sets its rates.
Best Medicare Supplement Plans in Washington State Overview 2020
You buy the best Medicare Supplement plans from private companies. The 10 plans available plans are Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.
All ten plans pay all or part of the same primary benefits. The basic benefits are:
- hospital and hospice coinsurance or copayments from Medicare Part A
- coinsurance or copayments from Medicare Part B
- coinsurance for Medicare preventive care for Part B
- First three pints of blood Part A and B
The best Medicare Supplement plans in Washington State may offer additional benefits coverage. Extra benefits include:
- Skilled nursing facility coinsurance
- Part A and B deductibles
- Part B excess charges
- Foreign travel emergency
- Require an out-of-pocket yearly limit
Each Medicare Supplement plan letter is the same no matter which insurance company you buy your policy. the best Medigap rates, however, will vary depending on which insurance company handles your policy.
When Should I Apply for A 2020 Medicare Supplement Plan in Washington State?
To apply for a Medigap plan, you must meet the following conditions:
- Resident of Washington
- Be age 65
- Enrolled in Original Medicare Part A and Part B
The best time to buy a Medicare Supplement plan in Washington State is within the first six months following your enrollment in Part B. During your Medigap Open Enrollment Period; you have certain protections, called guaranteed rights:
- Cannot deny your application.
- No health screenings or Underwriting process.
- Can’t be charged higher rates based on your health history or status.
Your guaranteed issue rights expire at the end of the six-month Medicare Supplement open enrollment period. Below are a few examples of special election periods with the same guaranteed issue rights:
- Loss of Medigap coverage because your carrier goes bankrupt or ends coverage
- Leaving an employer’s group health plan, or the group plan ends its coverage
- Moved out of the service area covered by your Medicare Supplement SELECT plan
- Your Medicare Advantage plan leaves Medicare, discontinues coverage in your area or you move from the coverage area
- Drop coverage or leave a Medicare Supplement plan because the company deceived you or did not follow regulations in some manner
You also have “trial” Medigap guaranteed rights in two situations:
- Dropped a Medigap policy to try a Medicare Advantage or Medicare SELECT plan and want to return to your Medigap plan within 12 months
- Chose a Medicare Advantage or PACE plan when you first joined Medicare Part A, and within 12 months you want to switch to Original Medicare
In addition to signing up for Medicare Part A and Medicare Part B, paying the Medicare Part B premium and shopping for the best Medicare Supplement plans in Washington, you should also start looking into Medicare Part D prescription drug plans.
Whether you live in Clark County, Seattle or anywhere else in Washington, a Medicare prescription drug plan is a good investment. Then, you’ll have prescription drug coverage for medications that are not covered by Medicare.
Medicare Supplement Plan Comparison Chart in Washington for 2020
When shopping for the best Medicare Supplement insurance plans in Washington, you need to know what each Medicare plan does and does not cover. For example, you could be wondering about out-of-pocket limits, excess charges, the Medicare Part B deductible and more.
You may find that Medicare Supplement Plan F, Medicare Supplement Plan G or Medicare Supplement Plan N are your best options for reducing your health care costs. Check out this Medicare Supplement plans comparison chart for Washington State.
Please note: Medigap Plan F in Washington State will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.
Best 2020 Rates on Medicare Supplement Plans in Washington State
The private insurance companies selling the best Medicare Supplement plans in Washington State set their premiums. Not all carriers price their Medigap plans the same way, but they typically use one of three methods:
Monthly premiums are the same for everyone regardless of age.
Monthly rates are calculated based on your age when you buy your Medicare Supplement plans.
Rates are based on your current, or “attained” age. Medigap rates will increase as you get older.
State law requires insurance companies to use the community-rated method for pricing their Medicare Supplement plans in Washington State. This will help you reduce your out-of-pocket costs for your monthly premiums since this method is more affordable for many Medicare beneficiaries.
Can I Use My Washington State Medicare Supplement Plan In Other States?
The beauty of the best Medicare Supplement plans in Washington is that they can be used anywhere in the country as long as the doctor you see or the healthcare facility you use accepts Medicare. Crossing state lines is not a problem because there are no preferred provider networks or referral requirements you have to meet. One of the primary benefits of a Medigap plan is that it gives you the freedom to seek the best care, whether it’s in Washington or Maine.
The Medicare Supplement plans are the same in 46 other states. This means that the outline of coverage for Medigap Plan F is the same in North Carolina as it is in Washington. Because the plans are standardized, you can keep your same plan as long as you stay enrolled in Original Medicare. Remember, though, that your premium amount might change in your new location.
How Do I Apply for a Medicare Supplement Plan in Washington State?
We realize that shopping for the best Medicare Supplement plan in Washington can be confusing. That’s why we take our job seriously and do whatever we can do to help you find the best plan. We can help you compare quotes and provide reviews of the insurance companies.
To make an online Medigap plan comparison, just choose Washington State from the drop-down menu to get started. You can also call us at 888-414-4547 and talk with one of our Medicare specialists. Our Medicare experts can walk you through all of your options; they can even help you enroll over the phone in a standard or high deductible plan over the phone.
Medicare Supplement Plans in Washington State: Enrollment Statistics
Washington has more than 7.17 million residents living in 39 counties. Here are the five largest:
- King, 2.153 million
- Pierce, 859,400
- Snohomish, 789,400
- Clark, 471,000
- Spokane, 499,800
Of the state’s 7.17 million residents, about 12 percent are age 65 or older. The average retirement age in Washington is 64. Here are some other facts about Medicare in Washington State:
- Washington State has nearly 1.3 million Medicare beneficiaries representing 17 percent of the population.
- Eighty-five percent have Medicare due to age.
- About 70 percent have Original Medicare; 30 percent have Medicare Advantage.
- Plan F is the most popular Medicare Supplement plan and is considered by many to be the best Medicare Supplement plan in Washington because of its comprehensive coverage.
Related Medicare Supplement Plan Topics in Washington State
Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.
Washington State Medicare Resources
These state and federal resources can help you learn more about the Medicare program and Medicare benefits.
- Office of the Insurance Commissioner
- Statewide Health Insurance Benefits Advisors
- Washington Association of Area Agencies on Aging
- Washington State Council on Aging
- CMS: Centers for Medicare and Medicaid Services
Our licensed insurance agents are also here to provide you with more information. We’ll help you find the best Medicare Supplement plans in Washington from 2020 from top companies like Blue Cross BlueShield or United Healthcare so that you can best supplement your Medicare coverage.