Best Medicare Supplement Plans in Washington State

Medicare Supplement insurance plans allow beneficiaries to keep the basic benefits offered by Original Medicare while extending their Medicare coverage to fill some of the gaps left by the federal Medicare program. There are ten Medicare Supplement plans to choose from.

• Of the ten plans offered in 2023, Cigna's Medicare Supplement Plan G is the best choice for Washington State residents as it offers comprehensive benefits at a very reasonable monthly premium of $194.88.
• ‍Cigna's Medicare Supplement Plan N is a great option for those that want the best monthly value without compromising coverage, for a $143.18 monthly rate.
• For those wanting the lowest possible monthly premium, Mutual of Omaha's High Deductible Plan G is an excellent choice. The plan provides access to the same benefits as Plan G once you meet the annual deductible of $2,700, and costs only $55.91 per month.

Below are some key benefits for these plans and a list of companies with the most competitive rates.

What's the Best Medicare Supplement Company in Washington State?

Based on our review of several key factors, Cigna is the best Medicare Supplement company in Washington State.

While Cigna Medigap plans tend to be more affordable in Washington State, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Cigna that are also available in Washington State, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Washington State?

The best price for Medicare Supplement Plan G in Washington State is $194.88 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Enroll in a Medicare Supplement Plan?

You have the following options when enrolling in a Medigap plan in Washington State:

1. Medigap Open Enrollment Period

When your eligibility for Original Medicare opens, you're also eligible for Medigap insurance. Once you are 65 years old and enrolled in Medicare Part B, your six-month Open Enrollment Period begins.

You have guaranteed issue rights during this period. These rights ensure the Medicare insurance company cannot deny you coverage under the Medicare Supplement plan of your choice. They must also give you the same rates as healthy people, even if you have pre-existing conditions.

Private insurance companies will offer the lowest rates during your Open Enrollment Period. The effective date for new policies is typically 30 days after enrollment.

2. Special Enrollment Periods

If you qualify for a particular enrollment period, you may receive the same guaranteed issue rates after your Open Enrollment Period closes. For example, you may receive special enrollment privileges if you had medical insurance through your employer when you first enrolled in Part B but later lost that coverage.

3. Outside of Enrollment Periods

You can apply for Medicare Supplemental benefits anytime, even if your Open Enrollment Period has passed. The Medigap insurance company can use medical underwriting to determine your rate if you do not qualify for a particular enrollment period. They can also deny your Medicare Supplement plan coverage.

Can I Use My Medigap Plan In Other States?

The beauty of Medicare Supplement plans is that they can be used anywhere in the country as long as the doctor you see or the healthcare facility you use accepts Medicare. Crossing state lines is not a problem because there are no preferred provider networks or referral requirements you have to meet. One of the primary benefits of a Medigap plan is that it gives you the freedom to seek the best care, whether in Washington State or Maine.

Medicare Supplement plans are the same in 46 other states. This means that the outline of coverage for Medigap Plan F is the same in North Carolina as in Washington State . Because the plans are standardized, you can keep your same project as long as you stay enrolled in Original Medicare. However, remember that your premium amount might change in your new location.

FAQ:

When Can I Change Medigap Plans?

Unless you qualify for a particular enrollment period with guaranteed issue rights, you may never have the chance to switch Washington State Medigap policies without going through medical underwriting. You can change without penalty only if you're within your open enrollment period.

If you decide to apply for a new Medigap plan, it's your advantage to pay for your old policy one more month rather than immediately canceling. That opens a 30-day "free look" period that allows you to cancel the new plan and stick with the old program if you decide against changing within one month.

You also have "trial" Medigap guaranteed rights in two situations:

• Dropped a Medigap policy to try a Medicare Advantage or Medicare SELECT plan and want to return to your Medigap plan within 12 months.
• Choose a Medicare Advantage or PACE plan when you first join Medicare Part A, and within 12 months, you want to switch to Original Medicare.

You have the best chance of selecting the right Washington Medigap plan for your needs if you compare rates and Medicare coverage before enrolling.

Can I Be Denied Coverage?

You're guaranteed enrollment in the insurance policy of your choice if you're within your open enrollment period or a particular enrollment period. Outside those periods, the insurer can deny coverage to Medicare beneficiaries due to a current or pre-existing health condition.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.