Medicare Advantage Plans by Washington County
Hello Washington seniors! On this page you will find a complete list of Medicare Advantage Plans for Washington beneficiaries, organized by county. Not familiar with Medicare Advantage? No problem, it’s easy. An Advantage Plan replaces your Original Medicare with a traditional HMO or PPO health plan that offers you more coverage.
Locate and click on your Washington county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a Washington Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in Washington. Click Here to see your agents. You can request confidential quotes online to compare rates.
Supplement Plans vs. Advantage HMO or PPO: Full Coverage Health Plan Options in Washington
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in Washington protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in Washington are are standard. That means you have the benefit of shopping by best price.
Medicare Advantage Enrollment in Washington
If you want to enroll in a Medicare Advantage plan available in Washington, you can do so during an enrollment period. Washington seniors turning 65, and those with Medicare Disability, have an Individual Enrollment Period (IEP). Your IEP starts two months before you are eligible and ends two months after eligibility. After that you must enroll or make changes to your plan during the Annual Election Period (AEP), more commonly known as open enrollment. AEP starts 15 October and ends promptly on 7 December.
Enrollment itself is quite easy. Most people in Washington use an independent Medicare insurance agent. Your agent is a licensed expert who knows the details of all of the plans available in your area. They get paid to find the best plan for you, and they are restricted by law from using selling and marketing tactics deems unethical by CMS. The second way to sign up is to go directly to the Medicare.gov website or call the Medicare.gov hotline. Click here to get started.
Obamacare vs. a Washington Medicare Advantage Plan
Like a lot of Washington seniors, you might be wondering how the new Obamacare law and the Washington State Health Insurance Exchange affect Medicare Advantage Plans. In general, the new healthcare law leaves MA plans virtually unchanged. There are new rules specifying a medical loss ratio for the carriers, but that’s about it.
Here are some additional facts about your Washington State Health Insurance Exchange. First, it’s not for Washington seniors with Medicare or those with Medicare Disability, and you can’t trade your Medicare benefits for a plan on your state exchange. Second, your state’s health exchange won’t help you with additional benefits, regardless of your income level. If you need Extra Help, visit your local Social Security Administration office. Learn more about Obamacare at www.HealthCare.gov.
Washington Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details and only a licensed insurance agent can give you quote. For additional information go to the CMS website at: http://cms.gov.