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Washington

Top Medicare Advantage Plans in Washington for 2024

by David Bynon, last updated September 24, 2023

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2024 Medicare Advantage Open Enrollment Begins October 15

Be the first to know about the best new plans in Washington for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.

Washington's Finest Medicare Advantage Plans: How to Find Yours

If you are thinking about getting out of Original Medicare and into a 2024 Medicare Advantage plan available in Washington, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.

This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Washington, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.

Table of Contents

Who Has The Best Plans in Washington? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Comparing the Leading Medicare Advantage Plans in Washington

Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Washington based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)

There are no 5-star plans in Washington in 2023. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Washington come from:

  1. Kaiser Permanente
  2. Humana

We recommend evaluating the health plans from these Washington health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

CRUCIAL: Benefits are not the same throughout Washington. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

Complete List of Washington's Providers

Approximately 18 health insurance providers offer Medicare Advantage plans in Washington, including:

  • Aetna Medicare
  • AMERIGROUP
  • Asuris Northwest Health
  • Cigna
  • Community Health Plan of WA
  • Health Alliance Northwest
  • Humana
  • Kaiser Permanente
  • Molina Healthcare
  • PacificSource Medicare
  • Premera Blue Cross
  • Providence Health Assurance
  • Regence BlueCross BlueShield
  • Regence BlueShield
  • Regence BlueShield Of Idaho
  • UnitedHealthcare
  • Wellcare
  • Wellcare by Health Net

Top Ranked Plans in Washington

According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Washington:

Top Medicare Advantage Plans in Washington

Best Medicare Advantage Plans in Washington for 2023
Provider Plan ID Plan Name Premium Limit Stars
HumanaH5216-047HumanaChoice H5216-047 (PPO)$99.00$6,7004.5
HumanaH5216-247HumanaChoice H5216-247 (PPO)$0.00$6,5004.5
HumanaH5216-048HumanaChoice H5216-048 (PPO)$199.00$6,7004.5
Kaiser PermanenteH5050-009Kaiser Permanente Medicare Advantage Essential (HMO)$99.00$4,1004.5
Kaiser PermanenteH5050-019Kaiser Permanente Medicare Advantage Columbia (HMO)$49.00$4,2004.5
Kaiser PermanenteH5050-021Kaiser Permanente Medicare Advantage Centennial (HMO)$0.00$4,9504.5
Kaiser PermanenteH5050-004Kaiser Permanente Medicare Advantage Optimal (HMO)$296.00$3,1504.5
Kaiser PermanenteH5050-013Kaiser Permanente Medicare Advantage Vital (HMO)$29.00$5,6004.5
Kaiser PermanenteH5050-017Kaiser Permanente Medicare Advantage Harbor (HMO)$49.00$5,8004.5
Kaiser PermanenteH5050-022Kaiser Permanente Medicare Advantage Key (HMO)$0.00$6,6004.5
Kaiser PermanenteH5050-023Kaiser Permanente Medicare Advantage Anchor (HMO)$0.00$6,6004.5
HumanaH5619-114Humana Gold Plus H5619-114 (HMO)$0.00$6,7004.0
HumanaH5619-057Humana Gold Plus H5619-057 (HMO)$0.00$5,9004.0
HumanaH5619-099Humana Gold Plus H5619-099 (HMO)$0.00$6,7004.0
HumanaH5619-061Humana Gold Plus H5619-061 (HMO)$57.00$5,9004.0
HumanaH5619-100Humana Gold Plus H5619-100 (HMO)$0.00$6,0004.0
HumanaH5619-134Humana Value Plus H5619-134 (HMO)$31.00$6,7004.0
HumanaH2486-006Humana Gold Plus H2486-006 (HMO)$0.00$5,9004.0
HumanaH5619-063Humana Gold Plus H5619-063 (HMO)$0.00$7,0004.0
HumanaH5619-060Humana Gold Plus H5619-060 (HMO)$0.00$5,9004.0
HumanaH5619-143Humana Gold Plus H5619-143 (HMO)$0.00$5,7004.0
HumanaH5619-064Humana Gold Plus H5619-064 (HMO)$0.00$6,0004.0
HumanaH5619-133Humana Gold Plus H5619-133 (HMO)$14.00$6,7004.0
HumanaH2486-007Humana Gold Plus H2486-007 (HMO)$0.00$5,9004.0
HumanaH5619-056Humana Gold Plus H5619-056 (HMO)$0.00$7,0004.0
HumanaH5619-059Humana Gold Plus H5619-059 (HMO)$33.00$5,5004.0
Kaiser PermanenteH9003-006Kaiser Permanente Senior Advantage Standard (HMO-POS)$42.00$4,9004.0
Kaiser PermanenteH9003-001Kaiser Permanente Senior Advantage Enhanced (HMO-POS)$127.00$3,0004.0
Kaiser PermanenteH9003-009Kaiser Permanente Senior Advantage Value (HMO-POS)$0.00$5,3004.0
Providence Health AssuranceH9047-059Providence Medicare Bridge + Rx (HMO-POS)$35.00$4,9004.0
Providence Health AssuranceH9047-065Providence Medicare Choice + Rx (HMO-POS)$89.00$4,5004.0
Providence Health AssuranceH9047-064Providence Medicare Extra + Rx (HMO)$173.00$3,4004.0
Providence Health AssuranceH9047-054Providence Medicare Timber + Rx (HMO)$0.00$5,5004.0
Providence Health AssuranceH9047-063Providence Medicare Pine + Rx (HMO)$0.00$5,5004.0
Providence Health AssuranceH9047-062Providence Medicare Cottonwood + Rx (HMO-POS)$35.00$4,8004.0
Regence BlueCross BlueShieldH3817-009Regence MedAdvantage + Rx Enhanced (PPO)$157.00$5,0004.0
Regence BlueCross BlueShieldH6237-007Regence BlueAdvantage HMO (HMO)$0.00$5,5004.0
Regence BlueCross BlueShieldH6237-008Regence BlueAdvantage HMO Plus (HMO)$45.00$4,9004.0
Regence BlueShieldH5009-010Regence MedAdvantage + Rx Core (PPO)$0.00$7,4004.0
Regence BlueShieldH5009-009Regence MedAdvantage + Rx Primary (PPO)$28.00$6,7004.0
Regence BlueShieldH5009-008Regence MedAdvantage + Rx Classic (PPO)$77.00$6,2004.0

Whether or not you can join a plan from one of the top-rated providers depends on where you live. If your Washington County has the plan you want, and you qualify, you can enroll. Medicare Advantage plans are regional. Generally speaking, larger urban areas have more plan options than rural areas.

Best MA Plans in Washington by County

Choose your Washington County below to see the best (and the worst) plans.

Adams County, WA Medicare Advantage Plans
Asotin County, WA Medicare Advantage Plans
Benton County, WA Medicare Advantage Plans
Chelan County, WA Medicare Advantage Plans
Clallam County, WA Medicare Advantage Plans
Clark County, WA Medicare Advantage Plans
Columbia County, WA Medicare Advantage Plans
Cowlitz County, WA Medicare Advantage Plans
Douglas County, WA Medicare Advantage Plans
Ferry County, WA Medicare Advantage Plans
Franklin County, WA Medicare Advantage Plans
Garfield County, WA Medicare Advantage Plans
Grant County, WA Medicare Advantage Plans
Grays Harbor County, WA Medicare Advantage Plans
Island County, WA Medicare Advantage Plans
Jefferson County, WA Medicare Advantage Plans
King County, WA Medicare Advantage Plans
Kitsap County, WA Medicare Advantage Plans
Kittitas County, WA Medicare Advantage Plans
Klickitat County, WA Medicare Advantage Plans
Lewis County, WA Medicare Advantage Plans
Lincoln County, WA Medicare Advantage Plans
Mason County, WA Medicare Advantage Plans
Okanogan County, WA Medicare Advantage Plans
Pacific County, WA Medicare Advantage Plans
Pend Oreille County, WA Medicare Advantage Plans
Pierce County, WA Medicare Advantage Plans
San Juan County, WA Medicare Advantage Plans
Skagit County, WA Medicare Advantage Plans
Skamania County, WA Medicare Advantage Plans
Snohomish County, WA Medicare Advantage Plans
Spokane County, WA Medicare Advantage Plans
Stevens County, WA Medicare Advantage Plans
Thurston County, WA Medicare Advantage Plans
Wahkiakum County, WA Medicare Advantage Plans
Walla Walla County, WA Medicare Advantage Plans
Whatcom County, WA Medicare Advantage Plans
Whitman County, WA Medicare Advantage Plans
Yakima County, WA Medicare Advantage Plans
Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Washington

You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.

1. Evaluate How You Plan to Use Your Benefits

Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.

2. Examine Your Prescription Medication Expenses

Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Washington Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.

3. Understand Your Additional Coverage Requirements

Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.

4. Think About Your Preferred Healthcare Providers

Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Washington tell us it's difficult to find a plan their doctors take. We can help!

Find Plans in your area with your ZIP Code

Next Steps

If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Frequently Asked Questions

Still have questions? These common questions and answers might help.

What are the disadvantages of a Medicare Advantage plan?

Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.

How much do Medicare Advantage plans cost in Washington?

A Medicare Advantage plan in Washington costs an average of $37.36. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.

What is every Medicare Advantage plan required to include?

Approved Medicare Advantage plans sold in Washington must, at a minimum, cover everything that's in Original Medicare. But plans do not have to cover healthcare services at the same cost as Original Medicare. For example, Medicare Part A covers about 80% of hospital stays, skilled nursing care, home health care, and hospice care. Whereas Part B provides coverage for about 80% of outpatient services, including lab tests and doctor visits. Medicare Advantage plans set their own copays and deductibles, and often charge more than 20%. However, plans have an annual limit and Original Medicare doesn't.

Citations & References

  • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
  • CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
  • Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
  • KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
  • Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
  • CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
  • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
  • CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
  • CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023

Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.

For Researchers

Next State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/west-virginia/

Previous State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/virginia/

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[4] The standard Part B premium for 2023 is $164.90. Monthly savings vary and may be subject to processing delays and may not be immediate. Not available with all plans. Availability varies by carrier and location.


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