Washington Medicare Supplement Plans: Medicare in Washington

Medicare Supplement Insurance Plans in Washington

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What Do Residents of Washington Need to Know About Medicare Supplement Insurance Plans?

Medicare recipients in Washington residents know that, while Medicare Parts A and B provide coverage for hospital and doctor visits, they leave gaps in coverage for expenses like copayments, coinsurance and deductibles. A Medicare Supplement Insurance plan can help to cover some of these out-of-pocket costs not covered by Original Medicare. Also called Medigap, Medicare Supplement Insurance plans are available from private insurance companies throughout Washington.

Medicare Supplement Insurance Plans in Washington - Image

In 2023, residents of Washington have many Medigap or Medicare Supplement plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Washington residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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Most Popular Medicare Supplement Plans in Washington

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Washington. The statistics below offer a look at the most popular Medigap plans selected by Washington residents. Insurance companies that sell Medigap plans offer the same basic benefits, but plan prices may vary depending on where you live and the insurance carrier. In addition, each insurer in Washington may not offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 312,946 Washington beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Washington enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,948	539	4,654	1,032	269	146,106	94,437	52	1,551	4,645	4,976	720	5	46,668

Source:

AHIP

(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Washington Medicare Supplement Insurance plan does not include benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Washington Medicare Advantage plan.

You can learn more about your Medicare Supplement Insurance plan options in Washington by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand your Medicare plan options and answer whatever questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Washington.

Washington residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can’t be used to pay for any expenses for a Medicare Advantage plan.

Washington Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Washington begins the first day of the month you turn 65 years old. There are some special cases for enrollment prior to age 65. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Washington residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Washington residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. Time is of the essence as you can enroll at age 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a Washington Medicare Supplement Insurance Plan Right for You?

In order to learn more about your Medicare plan options, contact SelectQuote. We can help ensure you’re getting all the benefits available to you. We can also make sure you stay up-to-date on annual plan changes. As an independent trusted third-party company, SelectQuote is here to help you explore your options to find the right Medicare Supplement Plan for your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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