Best Medicare Supplement Plans in Washington State

Plan G with ACE is the most comprehensive plan and costs $205.83 monthly in King County. Plan N rates with ACE are also competitive, at $154.99 monthly in Pierce County. Notable features of these plans include household discounts, low monthly premiums, and high customer satisfaction.

Things to note about WA:

Plan G Rates in WA: Plan N Rates in WA:

When researching the best Medicare Supplement plan in Washington State, we only looked at financially viable options from established companies.

Choosing a new or lesser-known insurance company may not necessarily mean lower rates, as they may unexpectedly increase prices. To save money and avoid problems, choosing trustworthy and well-known brands is advisable.

Cheapest Plan G Rates: ACE

Start Quote Average Medigap Plan G Cost in King County, WA: 65-Year-Old Female 65-Year-Old Male Plan G Overview:

ACE Medigap Plan G offers numerous benefits, including the freedom to choose healthcare providers without referrals or network limitations. Benefits are fixed, with no annual changes.

You can select any participating medical provider in the Original Medicare network.

Plan G Helps Pay the Following:

Cheapest High Deductible G Rates: United American

United American Medicare Supplements

Start Quote High Deductible Plan G Cost in King County, WA: 65-Year-Old Female 65-Year-Old Male High Deductible Plan G Overview:

High Deductible Plan G from United American is a unique Medicare Supplement insurance plan that operates differently from standard Plan G. Before coverage begins, you must meet an annual deductible ($2,800 for 2024).

After meeting the deductible, High Deductible Plan G offers the same benefits as the standard Plan G, covering costs that Original Medicare doesn’t, including coinsurance, copayments, and deductibles.

It also covers services not covered by Original Medicare, like medical care when traveling outside the United States.

One notable advantage of High Deductible Plan G is significantly lower premiums compared to the standard Plan G. This makes it an attractive option for individuals in good health with minimal medical expenses. By accepting a higher deductible, individuals can enjoy lower monthly premiums.

Lowest Plan N Rates: ACE

Start Quote Average Medigap Plan N Cost in Pierce County, WA: 65-Year-Old Female 65-Year-Old Male Plan N Overview:

Medigap Plan N from ACE allows you to visit any doctor that accepts Original Medicare.

Plan N Helps Pay the Following:

What's the Best Medigap Company in Washington State?

The overall best Medigap provider in Washington is ACE.

Medigap plans from ACE are generally less expensive in Washington, which is why they are popular in our review process. The best Medicare Supplement company can vary depending on the specific plan letter of interest.

For example, one company may offer a cheaper Plan N while another may offer a less expensive Plan G. Each company has its benefits and drawbacks depending on its plan levels.

CompanyPlan G
Cost
Plan N
Cost
Cost by CountyFinancial
Strength
ACE$205.83$154.99AdamsA++
Cigna$224.81$170.79SpokaneA
United Healthcare$255.75$209.00SnohomishAA-
Omaha Insurance Company$252.46$176.74ClarkA

Ten standardized Medigap plans in Washington State offer the same coverage regardless of the insurance company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.

Additionally, most of these plans allow you to visit any healthcare provider that accepts Original Medicare since they don’t have any networks.

To simplify the selection process, you can compare insurance companies by examining their costs and policyholder satisfaction ratings.

How Much Does a Medigap Plan Cost in Washington State?

Premiums for a Washington State Medicare Supplement plan can cost as little as $55 or as high as $263, depending on your age and the level of coverage you choose.

Medigap PlanMonthly CostCost by CountyEnrollment in Washington
Plan F$263.57Thurston47%
Plan G$205.83Kitsap30%
Plan N$154.99Yakima15%
High Deductible G$55.91Benton2.4%
Plan A$177.25Skagit0.62%

Can I Switch Medigap Plans in Washington State?

The state law in Washington restricts Medigap insurers from utilizing medical underwriting when individuals with existing Medigap coverage wish to switch to a different policy after their initial enrollment period.

Furthermore, the state allows Medigap beneficiaries to transition from Medigap Plan A to any other Medigap Plan A. Similarly, individuals with Medigap Plan B through N can switch to any other plan within the B through N range.

Individuals can switch plans on a guaranteed-issue basis at any time during the year, provided they have maintained coverage under a Medigap plan for at least 90 days. This ensures that beneficiaries can change plans without unnecessary restrictions.

Final Verdict

Key takeaways:

With years of industry experience and a proven track record of helping individuals find coverage, we greatly admire ACE. Our clients who choose their services remain loyal as they consistently offer exceptional value and fast enrollment. Their efficiency and commitment to prompt claims processing are commendable.

Discover the perfect Medicare plan with Policy Guide. Our team of knowledgeable agents is here to assist you in comparing health plans, prices, and policies, ensuring that you make an informed choice that aligns with your unique needs. Let us guide you through this process, ensuring you find a plan that perfectly meets your requirements.

Article Sources: Plan Types | Washington Medigap Info | How Do I Enroll? | WA AHIP

Frequently Asked Questions

If you became eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. Plan G typically provides more coverage than other options if you become eligible after that date.

The monthly premiums for a Washington Medigap plan can range between $55 and $263, based on various factors, including your age, zip code, tobacco status, and insurance company.

Plan G is the most popular Medicare Supplement plan in Washington.

Since 2003, Mark Prip has been leading Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.