Washington Medicare: Medicare Advantage Plans in Washington

Medicare Advantage Plans in Washington

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What Are Medicare Advantage Plans in Washington?

When it comes to healthcare options for Washington residents about to turn 65, there are a variety of Medicare plans to choose from. Medicare Advantage plans are also known as Medicare Part C and offer at least the same level of coverage as Medicare Part A (hospital insurance) and Medicare Part B (doctor’s office insurance). Medicare Advantage plans are approved by Medicare, are sold by private insurance companies and often include additional benefits that aren’t covered by Parts A and B.

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What Determines Eligibility for a Medicare Advantage Plan in Washington?

If you live in a county or zip code in Washington state that offers Medicare Advantage plans and are already approved for Medicare Parts A and B, you’re also eligible for Medicare Part C. Copayments, coinsurance and deductibles vary depending on the Medicare Plan in which you enroll.

Washington State residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan helps provide coverage for some of the gaps in coverage including copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered Under a Washington Medicare Advantage Plan?

Residents of Washington looking for prescription drug coverage should consider a Medicare Part C plan, as some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage plan with prescription drug coverage is called a MAPD plan and can help cover some of the costs of prescription drugs.

Most Popular Medicare Advantage Plans in Washington

Finding the right Medicare Advantage plan in Washington is as unique as the person the plan is for. As reported by the Centers for Medicare & Medicare Services (CMS.gov), among Washington residents enrolled in Medicare Advantage, 78% choose an HMO/HMOPOS while 22% choose a Local PPO. Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Washington to meet your needs and budget.

You can become more informed about Medicare Advantage plans available in Washington by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you find a plan that meets your individual needs and budget.

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When is the Washington Medicare Advantage Plan Enrollment Period?

Enrollment in a Medicare Advantage Plan occurs during specified enrollment periods. Medicare enrollment in Washington opens for residents prior to turning age 65 or earlier for those younger and with certain conditions. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Washington resident with a January birthday, your IEP runs from October through April.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Washington residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Washington residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Washington Medicare Advantage Plan Right for You?

If you’re a Washington resident looking to understand what Medicare Advantage plans are available in your area, SelectQuote can help. We’ll make sure you’re getting all the Medicare benefits available to you and keep you up-to-date with annual changes to Medicare plans. As a trusted independent third-party company specializing in the ins and outs of Medicare, SelectQuote is here to help you find the right Medicare Advantage plan to meet your specific needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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