by Russell Noga | Updated October 3rd, 2024
You’re eligible for Medicare supplement insurance if you’re a beneficiary of Original Medicare Parts A & B.
Medigap plans have standardized benefits varying between fully comprehensive to partial coverage. Depending on your plan, you could get complete coverage of the out-of-pocket expenses not covered by Original Medicare.
Across all plans and providers, a Medigap plan in Washington State costs $160 per month. The three most popular plans are F, G, & N.
This article unpacks the best Medicare supplement plans Washington State has to offer.
We’ll look at the best insurers offering the lowest and highest monthly rates on Plans F, G, & N.
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The Best Provider for Medicare Supplement Plan G Washington State – Premera
12 insurers offer Medigap Plan G in Washington State, with the average monthly premium across all providers being $158.50.
The most affordable option is Premera, with a monthly premium of $120.50. UnitedHealthcare is the most expensive provider, with monthly premiums averaging $206.30.
You can save up to $85.80 by going with Premera.
Here are the average monthly premiums from the leading providers for Plan G in Alaska, based on a 65-year-old female nonsmoker.
- Premera: $121
- Cigna: $185
- Regence: $188
- UnitedHealthcare: $206
What Does Plan G Cover?
Plan G is the most popular plan for people newly eligible for Medicare. You get near-comprehensive coverage, with the only out-of-pocket expense being 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.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan F Washington State – Cigna
12 insurers offer Plan F in Washington State. The market average premium across all providers is $227.77.
Cigna is the most inexpensive option at $148.60 per month, and they also have a high-deductible Plan F for $69.51 monthly. With the high-deductible plan, your monthly premium is more affordable, but your annual Part A deductible increases from $1,600 to $2,700 in 2023.
UnitedHealthcare is the most expensive insurer for Plan F, with monthly premiums averaging $255.80. So, you can save up to $107.20 monthly by going with Cigna over UHC.
Here are the average rates for Plan F from the top insurers in Washington State.
- Cigna: $149
- Humana: $226
- UnitedHealthcare: $256
What Does Plan F Cover?
Plan F is the most comprehensive Medigap policy available. Unfortunately, you must be eligible for Medicare before January 1, 2020, to qualify for this plan.
Plan F is the only policy covering the Part B deductible but has the most expensive monthly premiums.
- 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 deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
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 across all providers. Cigna has the cheapest Plan N premium at an average of $136.00 per month, and Premera is the most expensive provider with monthly premiums of $184.50.
Here are the average monthly premiums from the leading insurers for Plan N in Washington. (Based on rates for a 65-year-old female nonsmoker).
- Cigna: $136
- Regence: $145
- UnitedHealthcare: $169
- Premera: $185
What Does Plan N Cover?
Plan N is a good budget-orientated choice for seniors who want low premiums. If you don’t visit the doctor’s office often, it’s a good choice.
There are copayments of $20 at the doctor’s rooms and $50 at the emergency room (waived if admitted).
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- 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 doesn’t cover the Part B deductible, and it doesn’t cover Part B excess charges incurred by visiting physicians charging more than Medicare-approved rates.
What Do Plans F, G, & N Not Cover?
No Medigap policy covers the cost of prescription medication, stays at unskilled nursing homes, or private-duty nursing. You don’t have coverage for preventative treatments with the acupuncture therapist, chiropractor, or physiotherapist.
Medigap insurers don’t cover vision, dental, or hearing services, but some offer additional plans covering these expenses for a small monthly premium.
Others offer discounted rates on these services if you use their nominated network partners.
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What are the Best Alternate Medicare Supplement Plans Washington State?
Other Medigap plans don’t offer the same comprehensive coverage as Plans F, G, & N. However, they still provide good coverage for your out-of-pocket expenses in the event of a medical emergency.
According to your research, UnitedHealthcare is the best provider for all other plans. Here are the average rates for these policies, based on a 65-year-old nonsmoking woman.
- Plan A – UnitedHealthcare: $147.00
- Plan B – UnitedHealthcare: $216.25
- Plan C – UnitedHealthcare: $254.50
- Plan K – UnitedHealthcare: $68.00
- Plan L – UnitedHealthcare: $149.25
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Frequently Asked Questions
What are Medicare Supplement Plans, and how do they work in Washington State?
Medicare Supplement Plans, or Medigap, are private health insurance policies that complement Original Medicare. In Washington State, they help cover out-of-pocket costs such as deductibles, copayments, and coinsurance.
How many Medicare Supplement Plans are available in Washington State?
Washington State offers ten standardized Medigap plans, labeled with letters (A, B, C, D, F, G, K, L, M, and N). Each plan provides different benefits, and all insurers must offer Plan A. Plans C and F are available to those eligible for Medicare before January 1, 2020.
What are the most popular Medicare Supplement Plans in Washington State for 2025?
The popularity of Medicare Supplement Plans can vary based on individual needs. However, Plan G is often a popular choice due to its comprehensive coverage, including coverage for Medicare Part B excess charges.
Are Medicare Supplement Plans in Washington State guaranteed issue?
Yes, there are specific situations when Medicare Supplement Plans in Washington State are guaranteed issue, meaning you can enroll without medical underwriting. One such situation is the Medigap Open Enrollment Period, which starts when you’re both 65 years old and enrolled in Medicare Part B.
How do I choose the best Medicare Supplement Plan in Washington State for my needs?
To find the best Medicare Supplement Plan, consider your healthcare needs, budget, and preferences. Compare the benefits offered by different plans and choose one that aligns with your specific requirements.
Can I change my Medicare Supplement Plan in Washington State during 2025?
Yes, you can change your Medicare Supplement Plan at any time during the year, not just during the Annual Enrollment Period. However, keep in mind that switching plans outside of your initial enrollment or a guaranteed issue period may subject you to medical underwriting.
How are Medicare Supplement Plan premiums calculated in Washington State?
Medicare Supplement Plan premiums can vary based on factors such as your age, location, and the plan type you choose. Some insurers may also use community-rated pricing, where everyone in a specific area pays the same premium regardless of age.
Are prescription drugs covered under Medicare Supplement Plans in Washington State?
No, Medicare Supplement Plans do not cover prescription drugs. To get prescription drug coverage, you need to enroll in a separate Medicare Part D plan or consider a Medicare Advantage plan that includes drug coverage.
Are preventive services covered under Medicare Supplement Plans in Washington State?
No, Medicare Supplement Plans do not typically cover preventive services. Original Medicare covers many preventive services, and you won’t need to rely on your Medigap plan for this coverage.
Can I enroll in a Medicare Supplement Plan in Washington State if I have a pre-existing condition?
In most cases, you can enroll in a Medicare Supplement Plan in Washington State even if you have a pre-existing condition. During your Medigap Open Enrollment Period or other guaranteed issue situations, insurers cannot deny you coverage or charge you higher premiums based on your health status.
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.