The Best Medicare Supplement Plans Washington State 2024
Are you retiring in Washington State? Have you included your healthcare expenses in your financial planning?
Many seniors rely on Original Medicare Parts A & B for managing their healthcare expenses as they age.
However, many don’t realize these policies only cover 80% of their inpatient and outpatient care costs.
That leaves you with the remaining 20% to pay.
An extended stay at a skilled nursing facility or hospital could leave you with a huge difference to pay after Medicare covers its end.
You need a Medigap policy to cover the shortfall, or you’ll end up dipping into your retirement savings to cover the expense.
Jeopardizing your financial future because of poor planning is a terrible way to remove the joy from your golden years.
With a Medigap policy, you get assurance that you have coverage for these expenses, leaving your retirement savings intact.
Medigap plans are available in ten options from different private insurers.
The average cost of a Medigap policy across all plans and insurers is $165 per month in Washington State.
The average rates are for a 65-year-old nonsmoking woman, and your rate may vary.
Every insurer charges a different monthly premium on Medigap plans. Finding the right one can save you hundreds of dollars each year. This post looks at the best deals from insurers on the most popular policies, Plans G & N.
Use Us to Find the Best Medicare Supplement Plans Washington State
You can rely on our team of fully licensed Medigap agents to get you the best price on Medigap premiums. Reach out to us at 1-888-891-0229 for a free consultation and quote.
We’ll get you the coverage you need for your unique healthcare requirements at a price you can afford.
Leave your contact details on our form, and we’ll have a Medigap consultation get in touch with you.
Or use the free automated quoting tool on this site to get the best rate from any insurer in the Evergreen State.
The Best Healthcare Insurers for Medicare Supplement Plans Washington State
We looked at the leading providers of Medigap plans in Washington State. Each insurer offers premiums at different rates, and prices differ between plans and providers.
- UnitedHealthcare
- Cigna
- GPM Health and Life
- Globe Life
- Humana
- Mutual of Omaha
- Premera
- Regence
Our research shows Cigna is the best option for Plans F & N, and Premera is the top-rated choice for Plan G.
- Best Plan G – Premera Medicare
- Best Plan F – Cigna Medicare
- Best Plan N – Cigna Medicare
The Best Provider for Medicare Supplement Plan G Washington State – Premera
12 insurers offer Plan G in Washington State, with the market average being $158.50 per month.
The most affordable option for Plan G comes from Premera, charging an average of $120.50 per month, based on rates for a 65-year-old female nonsmoker.
The most expensive provider is UnitedHealthcare, with average monthly premiums of $206.30.
So, you can save as much as $85.80 a month by going with Premera.
Here’s the average market pricing for Plan G from leading healthcare insurers in the state.
- Premera: $121
- Cigna: $185
- Regence: $188
- UnitedHealthcare: $206
What Does Plan G Cover?
Plan G offers you the best level of coverage of any Medigap plan other than Plan F.
Plan F covers the Part B deductible, and Plan G doesn’t.
However, Plan G is more affordable, and your savings over the costs of Plan F premiums means you’ll probably account for the costs of the Part B deductible.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
Plan F is no longer available to people eligible for Medicare after January 1, 2020. As a result, Plan G is the best alternative for near-comprehensive coverage for new members.
The Best Provider for Medicare Supplement Plan N Washington State – Cigna
11 insurers offer Plan N in Washington State, with the market average premium being $164.70 per month.
Cigna is the lowest-cost provider, offering Plan N for a monthly average premium of $136.00.
Premera is the most expensive provider of Plan N in Washington, with a monthly premium averaging $184.50. You can save up to $48.50 by going with Cigna.
Here are the average monthly premiums for Plan N based on a 65-year-old female nonsmoker.
- Cigna: $136
- Regence: $145
- UnitedHealthcare: $169
- Premera: $185
What Does Plan N Cover?
Plan N covers everything except the Part B deductible and Part B excess charges when you visit practitioners charging more than Medicare-approved rates.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N requires you to make copayments of $50 at the emergency room, waived if you’re admitted to the hospital, and $20 when visiting the doctor.
What Do Plans G & N Not Cover?
Plan G is the most comprehensive option for Medigap after Plan F and Plan N is a great choice for affordable premiums and good coverage for healthy seniors.
However, they don’t cover the costs of preventative care treatments.
That means you don’t have coverage for services like acupuncture and physiotherapy, long-term care at unskilled nursing facilities, and private-duty nursing.
Plans N & G in 2024 also don’t cover prescriptions. They also don’t offer support for vision, dental, and hearing services.
However, some providers offer Part D coverage for medications, and others provide vision, dental, and hearing as perks or as additional policies requiring a separate premium.
What are the Best Alternate Medicare Supplement Plans in Washington State?
You can find all Medigap plans available in Washington State. Some companies offer all plans, while others have a niche selection.
We looked at the rates from all providers to find the lowest premiums on each plan.
Our research shows UnitedHealthcare is the best choice for the lowest premiums on A, B, C, K, and L, and Cigna is the best insurer for the lowest premiums on Plan F.
- Plan A – UnitedHealthcare: $147.00
- Plan B – UnitedHealthcare: $216.25
- Plan C – UnitedHealthcare: $254.50
- Plan F – Cigna: $227.77
- Plan K – UnitedHealthcare: $68.00
- Plan L – UnitedHealthcare: $149.25
Frequently Asked Questions
What are Medicare Supplement Plans in Washington State?
Medicare Supplement Plans in Washington State are private health insurance policies that fill the gaps in coverage provided by Original Medicare.
How do Medicare Supplement Plans work in Washington State?
Medicare Supplement Plans in Washington State work alongside Original Medicare, covering costs like deductibles and copayments that Medicare doesn’t pay for.
What are the benefits of Medicare Supplement Plans in Washington State?
The benefits of Medicare Supplement Plans in Washington State include additional coverage for Medicare-approved services, freedom to choose any doctor or hospital, and predictable out-of-pocket costs.
How can I qualify for Medicare Supplement Plans in Washington State?
To qualify for Medicare Supplement Plans in Washington State, you need to be enrolled in both Medicare Part A and Part B and apply during your Medigap Open Enrollment Period.
Are Medicare Supplement Plans in Washington State standardized?
Yes, Medicare Supplement Plans in Washington State are standardized, offering the same benefits across different insurance companies.
What are popular Medicare Supplement Plans in Washington State?
Popular Medicare Supplement Plans in Washington State are Plans F, G, and N, offering varying levels of coverage and cost-sharing.
Can I change my Medicare Supplement Plan in Washington State?
Yes, you can change your Medicare Supplement Plan in Washington State, but it may be subject to medical underwriting outside of your Medigap Open Enrollment Period.
How much do Medicare Supplement Plans cost in Washington State?
The cost of Medicare Supplement Plans in Washington State varies based on factors like age, location, and the chosen insurance company.
Do Medicare Supplement Plans in Washington State cover prescription drugs?
No, Medicare Supplement Plans in Washington State do not cover prescription drugs. Separate Medicare Part D plans or Medicare Advantage plans with drug coverage are needed.
Can I enroll in a Medicare Supplement Plan in Washington State with a pre-existing condition?
Yes, you can enroll in a Medicare Supplement Plan in Washington State regardless of pre-existing conditions during your Medigap Open Enrollment Period.
Medicare Supplement Plans Washington State - How to Apply
The easiest way to get started is to call us today at 1-888-891-0229.
We’ll answer all of your questions and help you find the right Medicare plan. Or you can use our FREE quote engine to begin shopping today!
Updated December 4th, 2022