Compare the Best Medigap Plans in Washington for 2024

If you’re a Washington resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Washington. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Washington that fits both your financial and healthcare needs has never been easier.

This page provides an overview of the leading Washington Medicare Supplement plans and insurance companies available in 2024.

Top 3 Best Medigap Plans in Washington for Full Coverage Options

For Medicare enrollees in Washington, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.

Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in Washington.

Medigap Plan F in Washington

Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.

Required Benefits of Plan F in Washington

Medigap Plan G in Washington

Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.

Required Benefits of Plan G in Washington

Medigap Plan N in Washington

For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.

Required Benefits of Plan N in Washington

Average Costs for Medigap Plans in Washington

Plan premiums in Washington can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Washington:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

What Affects the Cost of Medigap Plans in Washington?

Several factors play a role in determining the cost of Medicare Supplements in Washington. These include:

• Age: As you get older, your premiums may rise.
• Gender: Premium rates can vary by gender, with women often paying slightly less.
• Tobacco Use: If you use tobacco, expect to pay higher premiums.
• Location: Your location within Washington can also influence your premium, as costs differ by region.

Want to save on Medigap premiums and out-of-pocket costs? Check out our guide to finding the best value for your Medigap plan.

Compare All Medicare Supplement Plans in Washington

If you want to see how all Medicare Supplement Insurance plans sold in Washington stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Washington and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Washington

Medigap enrollment in Washington is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

Follow these simple steps to get Medicare Supplement coverage in Washington:

1. Review Your Options: Compare the Medigap plans offered in Washington and select the one that best meets your needs.
2. Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
3. Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
4. Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.

Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.

FAQs about Medigap Plans in Washington

What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.

Is it possible to switch Medigap plans?

Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.

Do Medigap plans cover medications?

No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.

What out-of-pocket expenses should I expect with Medigap?

You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.

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