District of Columbia residents on Original Medicare can supplement their Part A and Part B coverage with Medicare Supplement Insurance (Medigap plans). There are ten different plan options available in District of Columbia. Each plan pays different out-of-pocket costs.
This article breaks down the best Medigap plans and insurance companies in District of Columbia for 2024.
Table of Contents
What You Need to Know
- District of Columbia Medigap plans are offered by private insurance companies, not the government.
- There are 10 different plan options available, labeled A through N, each providing a different level of Medicare coverage.
- District of Columbia residents become eligible for Medigap coverage at age 65.
- All plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B copayments or coinsurance, and the first three pints of blood.
- Most plans also cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
- It's important to note that Medigap does not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
- The average costs for a 65-year-old can vary significantly based on factors such as gender, tobacco use, your location in District of Columbia, and the level of coverage you select.
- Medigap policies are not classified as health insurance; they fall under indemnity insurance and operate under their own set of rules.
The 5 Best District of Columbia Medigap Plans
There are 10 different Medigap plans. Plans are labeled A through N and standardized by the federal Medicare program.
The best plans in District of Columbia for the 2024 plan year are Medicare Supplement Plan F, Plan C, Plan D, Plan G, and Plan N. They are the best because they offer the most coverage.
But is one of these plans the best for you?
A good way to understand each of the 10 plans is to look at a Medigap plan chart, which shows how each plan helps District of Columbia residents pay their Medicare Part A and Medicare Part B deductibles, coinsurance, and copayments.
NOTE: Medicare Part A and Medigap Plan A sound similar. However, they are different, as are Medicare Part D and Medigap Plan D. Medicare organizes its benefits in “parts,” whereas private insurance companies sell “plans.” The topics are easily confused.
How to Choose the Best Medicare Supplement Plan in District of Columbia
Individuals covered by Medicare have unique requirements. Your age, gender, District of Columbia zip code, utilization of medical services, choice of healthcare providers, emergency care needs, as well as your requirements for supplies and durable medical equipment all contribute to the factors you should take into account.
These elements are essential as they significantly impact your available plan choices. It's crucial to thoroughly evaluate your outpatient and inpatient care needs as part of this consideration.
When Best = Maximum Coverage Throughout District of Columbia
Most Medicare insurance experts in District of Columbia will tell you that opting for Plan G is the wisest decision if you're enrolling in Medicare with one or more chronic health conditions. This plan offers the most extensive coverage available for those who qualify for Medicare on or after January 1, 2020.
CRUCIAL: While Plan F provides slightly more coverage than Medicare Supplement Plan G, it comes at a significantly higher cost and is only available to beneficiaries who became eligible for Medicare before 2020.
- Get Plan F and Plan G Quotes in Your Zip Code
- See All Companies Offering Plan F in District of Columbia
- See All Companies Offering Plan G in District of Columbia
When Best = Robust Coverage & Monthly Budget Benefits
If you are signing up for Medicare in excellent health or need good coverage but can't handle the cost of a Plan G policy in District of Columbia, Medicare Supplement Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays while also covering most medical care out-of-pocket costs.
Plan N is a good option for healthy individuals because there’s cost-sharing. In exchange for lower monthly premiums, enrollees in this plan pay a small copay for doctor office visits (up to $20) or use the emergency room (up to $50).
When Best = Cheapest Plan Available in District of Columbia
Comprehensive coverage isn't always necessary or affordable for everyone in District of Columbia. If you're concerned about your monthly premium expenses, consider seeking advice from your insurance agent regarding Medicare Supplement Plan K and the High Deductible Plan G (HDG).
These two options are the most cost-effective plans available, and they are favored by many informed seniors in District of Columbia over choosing a Medicare Advantage plan.
Does District of Columbia have Plan A, B, C, D, L and M?
Medicare Supplement Plan A is the most basic plan sold in District of Columbia. Even so, in many areas, it costs more than Plan N. Why would you pay more to get less?
Medicare Supplement Plan C and Plan D offer coverage similar to Plan G but also cost more. Plus, like Plan F, Plan C is only available to District of Columbia beneficiaries who enrolled in Medicare before 2020.
Only a few District of Columbia insurance companies offer Plan L or Plan M.
Health Insurance Company vs. Life Insurance Company: Which is Best?
Every Medigap insurance company in District of Columbia must follow federal and state insurance laws. Carriers must offer the standardized Medicare plans identified by letters A through N.
For instance, a Plan F from Aetna Medicare has the same out-of-pocket cost coverage and benefits as a Plan F policy from Mutual of Omaha, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is why Medigap plans are easier to compare than Medicare Advantage plans.
The big difference is the company standing behind the plan and how the company rates their plan for future premium increases. It's important to get a company's Medigap rate increase history before making a decision.
In some cases District of Columbia state laws affect enrollment rules and how carriers can rate their plans. For more information, visit the District of Columbia Department of Insurance website at http://www.disb.dc.gov/.
Medicare Supplement Plan F Companies in District of Columbia
Medicare Supplement Plan F (Medigap Plan F) is District of Columbia’s most popular Medigap plan. Here are the 10 best companies that offer Plan F policies in District of Columbia based on our reviews (click for details):
Required Benefits of Plan F in District of Columbia
Medigap Plan F is standardized like all Medicare Supplement Plans in District of Columbia. Insurance carriers are required to cover certain benefits. Plan F is the most comprehensive plan because it covers all gaps in Original Medicare.
Although Original Medicare does not cover foreign travel medical emergencies, Plan F does (up to 89%). In addition to this extra benefit, companies may offer limited additional features. One example is Physician Mutual’s Preventive Care and Hearing Loss Testing benefits.
Medicare Supplement Plan G Companies in District of Columbia
Medicare Supplement Plan G (Medigap Plan G) is rapidly gaining popularity with District of Columbia seniors. With Plan F no longer available to new Medicare beneficiaries, Plan G is the new gold standard. Here are the 10 best insurance companies that offer Medigap Plan G policies in District of Columbia based on our reviews (click for details):
Required Benefits of Plan G in District of Columbia
All Medigap plans in District of Columbia, including Medigap Plan G, are standardized. Insurance companies must provide the standard coverage. Plan G covers all gaps in Original Medicare except the Part B deductible. And it only covers 80% of foreign travel medical emergencies that fall within your policy’s limits.
Companies may offer additional features like UnitedHealthcare’s fitness program, Renew Active, or the Silver Sneakers fitness program.
Medicare Supplement Plan N Companies in District of Columbia
Medicare Supplement Plan N is similar to Plan D (not to be confused with Medicare Part D) but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Arizona seniors. Here are the 10 best insurance companies that offer Medigap Plan N policies in District of Columbia based on our reviews (click for details):
Required Benefits of Plan N in District of Columbia
All Medicare Supplement Plans in District of Columbia are standardized, including Medigap Plan N. Like Plan G, Plan N does not cover the Part B deductible. It also does not cover Part B excess charges. But it does cover 80% of foreign travel medical emergencies up to the policy’s limits.
Medicare limits the types of extra benefits companies can offer. One excellent additional benefit is UnitedHealthcare’s NurseLine, which lets you talk to an experienced nurse, day or night.
Medicare Eligibility for Medicare Supplement Plans
You can apply for Medigap coverage during your Medigap Open Enrollment Period (OEP). This six-month window starts when you enroll in Medicare Part B. District of Columbia may have additional rules after your OEP ends.
Medicare eligibility rules grant you Medigap protections during your Medigap Open Enrollment Period. This means that, regardless of your health history or any chronic conditions, you can secure a Medicare Supplement Plan during this period from any insurance company that offers Medigap in District of Columbia.
Enrolling in a Medigap plan in District of Columbia typically involves consulting with a licensed insurance agent. If you don't already have one, we recommend reaching out to HealthCompare, an Allstate company, at 1-855-728-0510 (TTY 711). They have licensed agents nationwide, and there's no obligation.
Is a Medicare Supplement Right for You?
Why You Should Consider a Medicare Supplement Insurance Plan:
- You expect the need for frequent healthcare services now and/or in the future and want to limit your deductibles and co-pays.
- You can afford the monthly premiums of Medicare Supplement Insurance and don't qualify for Medicaid.
- You want the freedom to choose your doctors and other Medicare providers without network restrictions.
- You need nationwide coverage and/or travel abroad.
- You are in your Initial Enrollment Period and have guaranteed issue rights to join a Medigap plan regardless of your health condition.
- You don’t want a Medicare Advantage plan and the hassle of referrals and pre-authorization to receive healthcare services.
Explore Alternatives to a Medicare Supplement When:
- You don’t expect the need for frequent healthcare now or in the future.
- You missed your Medigap open enrollment period and cannot pass medical underwriting to get the Medigap policy you want.
- You want a Medicare Advantage plan with low or no monthly premiums.
- You have Medicaid, TRICARE, VA, retiree benefits, or other coverage options that will pay for most of your Medicare out-of-pocket expenses.
- You prefer an HMO or PPO plan with a Part D prescription drug plan, Silver Sneakers, and routine dental, vision, and hearing care.
- You can adhere to the rules and restrictions of a Medicare Advantage plan.
Alternatives to District of Columbia Medicare Supplement Plans
If you have decided that a District of Columbia Medicare Supplement Plan is not right for you, or that none of the 10 plan types works with your budget, there are several options:
- Stick with Original Medicare, add a Medicare Part D plan for prescription drug coverage, and pay all Part A and Part B deductibles, coinsurance, and copays costs out-of-pocket. NOTE: This is very risky, no matter how healthy you are.
- If you qualify for both Medicare and Medicaid, or have a serious health condition, enroll in a Medicare Advantage Special Needs Plan.
- If you have VA health benefits, get all of your healthcare from your nearest VA hospital. When you do, the VA will bill Medicare and pay the remainder.
- Enroll in a Medicare Advantage Plan with a low maximum out-of-pocket (MOOP) limit and reasonable copayments.
It's important to carefully weigh your options and consider your unique healthcare needs when deciding on the right path for your Medicare coverage. Each choice comes with its own advantages and considerations. If you require further guidance or have questions about the options available to you in District of Columbia, don't hesitate to reach out to our preferred agency, HealthCompare, at 1-855-728-0510 (TTY 711).
The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.
MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.
Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!
If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023