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Best Medicare Supplement Plans in Washington State

Learn about top-rated Supplement plans, average costs, popular companies, and the best time to enroll in a Washington State Medigap Plan.

Medicare Supplement plans in Washington State are available and are known as Medigap insurance because they cover the “gaps” left by Original Medicare. Those gaps produce out-of-pocket costs like coinsurance, deductibles, excess charges, and premiums for Medicare Part A and Medicare Part B. The plan you select will determine how many of those gaps are filled.

The goal is to simplify healthcare by minimizing out-of-pocket expenses like the Part A deductible. Medigap doesn’t cover the following expenses:

  • Medicare Part D plan
  • Vision
  • Dental
  • Hearing

Of the state’s 7.17 million residents, about 12 percent are age 65 or older. The average retirement age in Washington is 64.

Most popular Medicare Supplement plans in Washington State

Every beneficiary must select the plan in Washington that best fits their personal needs. There are five plans that stand out as the most popular and valuable in Washington.

Medicare Supplement Plan F: Best for Fullest Coverage

  • Medigap Plan F is limited to beneficiaries with Original Medicare effective dates prior to January 1, 2020
  • Covers all out-of-pocket costs, including the Medicare Part B deductible

Medicare Supplement Plan G: Best Comprehensive Coverage

  • Plan G is one of the most comprehensive plan available to beneficiaries with Medicare effective dates on or 2020
  • Covers all out-of-pocket costs except the deductible for Medicare Part B

There are some clear benefits to selecting Plan G:

  • Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance
  • No referrals required
  • No networks restricting choice of medical providers
  • Freedom to see any medical provider willing to accept Medicare as payment

Medicare Supplement Plan N: Best Overall Value

  • Medicare Plan N offers lower premiums than Medicare Plan F and Medicare Plan G
  • Requires modest copays for doctor and emergency room visits

High-Deductible Plan G: Comprehensive Benefits and Savings

  • Same coverage as standard Plan G once 2022 high deductible of $2,490 is met
  • Significantly cheaper than standard Medicare Supplement Plan G

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.

Medicare Supplement cost in Washington State

Plan G is among the top plans in WA. The first step to selecting the right Medicare Supplement insurance plan in Washington is to compare benefits and rates for the most comprehensive and valuable plan options. Pricing varies between Washington zip codes and is dependent on a short list of factors and the insurer chosen.

For example, consider the following quoted 2022 rates for a non-smoking female beneficiary who is 65 and lives in zip code 98001.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$236.00 to $293.88
Plan G$188.00 to $220.98
Plan N$145.00 to $173.25
65-Year Old Male Non-Tobacco
Plan Type Premium Range
Plan F$246.00 to $301.88
Plan G$198.00 to $230.98
Plan N$155.00 to $183.25

When can I enroll in a Medicare Supplement Plan?

The Medicare Annual Election Period doesn’t include Medicare Supplement plan enrollment. It only allows you to make changes to Medicare Advantage or a Part D prescription drug plan.

You have the following options when enrolling in a Medigap plan in Washington State:

1. Medigap Open Enrollment Period

When your eligibility for Original Medicare opens, you’re also eligible for Medigap insurance. Once you are at least 65 years old and enrolled in Medicare Part B, your six-month Open Enrollment Period begins.

You have guaranteed issue rights during this period. These rights ensure the Medicare insurance company cannot deny you coverage under the Medicare Supplement plan of your choice. They must also give you the same rates as healthy people even if you have pre-existing conditions.

Private insurance companies will offer the lowest rates during your Open Enrollment Period. The effective date for new policies is typically 30 days after enrollment.

2. Special Enrollment Periods

You may receive the same guaranteed issue rates after your Open Enrollment Period closes if you qualify for a special enrollment period. For example, you may receive special enrollment privileges if you had medical insurance through your employer when you first enrolled in Part B but later lose that coverage.

3. Outside of Enrollment Periods

You can apply for Medicare Supplemental benefits at any time, even if your Open Enrollment Period has passed. If you don’t qualify for a special enrollment period, the Medigap insurance company can use medical underwriting to determine your rate. They can also deny your Medicare Supplement plan coverage.

Can I Use My Medigap Plan In Other States?

The beauty of Medicare Supplement plans 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.

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.

FAQ's:

When can I change Medigap plans?

Unless you qualify for a special enrollment period with guaranteed issue rights, you may never have the chance to switch Washington State Medigap policies without going through medical underwriting. You can switch without penalty only if you’re within your open enrollment period.

If you do decide to apply for a new Medigap plan, it’s to your advantage to pay for your old policy one more month rather than immediately canceling. That opens a 30-day “free look” period that allows you to cancel the new plan and stick with the old plan if you decide against changing within one month.

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

You have the best chance of selecting the right Washington Medigap plan for your needs if you compare rates and Medicare coverage before enrolling.

Can I be denied coverage?

You’re guaranteed enrollment in the insurance policy of your choice if you’re within your open enrollment period or a special enrollment period. Outside of those periods, the insurer can deny coverage to Medicare beneficiaries due to a current health condition or pre-existing conditions.

Related Topics

Washington Medicare Stats:

Washington State Medicare Resources

Ready to learn more?

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 AetnaCignaMutual 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.

Key Take Aways
  • Medicare Plan G – Premium Ranges from $188.00 to $220.98 per month.
  • Medicare Supplement insurance plans allow beneficiaries to keep the basic benefits offered by Original Medicare while extending their Medicare coverage to fill at least some of the gaps left by the federal Medicare program.
  • In Washington State, Medicare Supplement Plan G is the most popular plan for 2022.