District of Columbia Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with District of Columbia Medicare supplemental insurance, provides the best health coverage District of Columbia seniors can get. But, which supplement is the right one for you?
This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G, and N. Keep reading and we'll explain why.
Top 10 Medicare Supplement Plans in District of Columbia
Looking for the best Plan F, G or N available to District of Columbia seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
District of Columbia Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in District of Columbia. Here are the 10 best Plan F policies available in District of Columbia based on our reviews (click for details):
District of Columbia Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among District of Columbia seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in District of Columbia based on our reviews (click for details):
District of Columbia Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many District of Columbia seniors. Here are the 10 best Medigap Plan N policies available in District of Columbia based on our reviews (click for details):
Best District of Columbia Medigap Plan Reviews
We review all major Medigap insurance carriers selling policies in District of Columbia. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in District of Columbia is based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do District of Columbia Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in District of Columbia. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in District of Columbia are Standardized
All Medicare Supplement insurance carriers in District of Columbia are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although District of Columbia state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the District of Columbia Department of Insurance website at http://www.disb.dc.gov/.
District of Columbia Medicare Supplement Plan Comparison Chart
The following chart offers a quick look at the benefits provided by each standardized plan.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Top Questions About Medicare Supplement Plans in District of Columbia
We get a lot of great questions regarding Medigap plans in District of Columbia. Here are the most common questions we answer.
Medicare Supplement premiums vary per person. Premiums are based on things like age, gender, zip code, and more. We offer a free quote service to help you find the best Medicare Supplement in District of Columbia for your needs.
Here's a list of top carriers by cost in District of Columbia:
- Globe Life
- United American
- CareFirst BlueCross BlueShield
- Mutual of Omaha
Your Individual Enrollment Period (IEP) is the ideal time to get a Medicare Supplement. Your IEP starts on your Medicare Part B effective date and ends six months later. So, if your Part B coverage begins June 1st, your IEP goes from June 1st to November 30th. these District of Columbia carriers can help you get enrolled.
Still have questions about Medicare Supplement Insurance in District of Columbia?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The District of Columbia SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in District of Columbia. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.