If you’re trying to find the best Washington Medicare Supplement plans, you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Washington Medigap plans.
In this article we’ll discuss:
Best medicare supplement plans in Washington
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from:
- Blue Cross Blue Shield,
- Mutual of Omaha,
- or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Washington
How much will you pay for a Washington Medigap plan? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Washington residents save on their plan?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states (including Washington) to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare Washington Medicare Supplements
It is important to know that even though the coverage for Washington Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Washington Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Washington Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Washington Medicare Supplement Insurance Coverage.
Medigap Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, 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.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Washington Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Washington Medigap coverage.
Be an informed buyer and comparison shop your Washington Medicare Supplement Insurance plans and rates.
You can request a quote right here on our site or call us at (888) 411-1329 for personal service.
Washington Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Washington that I serve. Click here if you’re looking for other Medicare Supplement states.
Aberdeen Aberdeen Gardens Acme Ahtanum Airway Heights Albion Alderwood Manor Alger Algona Allyn-Grapeview Almira Amboy Ames Lake Anacortes Arlington Arlington Heights Artondale Ashford Asotin Auburn Ault Field Bainbridge Island Bangor Trident Base Banks Lake South Barberton Baring Basin City Battle Ground Bay Center Bay View Beaux Arts Village Bellevue Bell Hill Bellingham Benton City Bickleton Big Lake Bingen Birch Bay Black Diamond Blaine Blyn Bonney Lake Bothell Brady Bremerton Brewster Bridgeport Brier Brinnon Brush Prairie Bryn Mawr-Skyway Buckley Bucoda Burbank Burien Burlington Camano Camas Carbonado Carlsborg Carnation Carson River Valley Cascade-Fairwood Cascade Valley Cashmere Castle Rock Cathan Cathcart Cathlamet Centerville Centralia Central Park Chehalis Chehalis Village Chelan Cheney Cherry Grove Chewelah Chinook Clarkston Clarkston Heights-Vineland Clear Lake Cle Elum Clinton Clyde Hill Cohassett Beach Colfax College Place Colton Colville Conconully Concrete Connell Conway Copalis Beach Cosmopolis Cottage Lake Coulee City Coulee Dam Country Homes Coupeville Covington Creston Cusick Custer Dallesport Darrington Davenport Dayton Deer Park Deming Desert Aire Des Moines Dishman Dixie Dollar Corner DuPont Duvall East Cathlamet Eastgate East Hill-Meridian Easton East Port Orchard East Renton Highlands East Wenatchee East Wenatchee Bench Eatonville Echo Lake Edgewood Edison Edmonds Elbe Electric City Elk Plain Ellensburg Elma Elmer City Endicott Entiat Enumclaw Ephrata Erlands Point-Kitsap Lake Eschbach Esperance Everett Everson Fairchild AFB Fairfield Fairwood Fall City Farmington Federal Way Felida Ferndale Fife Finley Fircrest Five Corners Fords Prairie Forks Fort Lewis Fox Island Frederickson Freeland Friday Harbor Garfield Garrett Geneva George Gig Harbor Glacier Gleed Gold Bar Goldendale Graham Grand Coulee Grand Mound Grandview Granger Granite Falls Grayland Green Acres Greenwater Hamilton Harrah Harrington Hartline Hatton Hazel Dell North Hazel Dell South Highland Hobart Hockinson Hoquiam Humptulips Hunts Point Ilwaco Inchelium Index Indianola Inglewood-Finn Hill Ione Issaquah John Sam Lake Jordan Road-Canyon Creek Junction City Kahlotus Kalama Kelso Kendall Kenmore Kennewick Kent Kettle Falls Kingsgate Kingston Kirkland Kittitas Klickitat Krupp La Center Lacey La Conner La Crosse Lake Bosworth Lake Cavanaugh Lake Forest Park Lake Goodwin Lake Ketchum Lakeland North Lakeland South Lake McMurray Lake Marcel-Stillwater Lake Morton-Berrydale Lake Roesiger Lake Shore Lake Stevens Lakeview Lakewood Lamont Langley Latah Lea Hill Leavenworth Lebam Lewisville Liberty Lake Lind Lochsloy Long Beach Longview Longview Heights Lyle Lyman Lynden Lynnwood Mabton McChord AFB McCleary Machias Malden Malone-Porter Maltby Manchester Mansfield Maple Falls Maple Heights-Lake Desire Maple Valley Marblemount Marcus Marietta-Alderwood Markham Marrowstone Martha Lake Maryhill Marysville Mattawa May Creek Meadow Glade Medical Lake Medina Mercer Island Mesa Metaline Metaline Falls Midland Mill Creek Mill Plain Millwood Milton Minnehaha Mirrormont Moclips Monroe Montesano Morton Moses Lake Moses Lake North Mossyrock Mountlake Terrace Mount Vernon Mount Vista Moxee Mukilteo Naches Napavine Naselle Navy Yard City Neah Bay Neilton Nespelem Nespelem Community Newcastle Newport Nisqually Indian Community Nooksack Normandy Park North Bend North Bonneville North Creek North Marysville North Omak Northport North Stanwood North Sultan Northwest Snohomish North Yelm Oakesdale Oak Harbor Oakville Ocean City Ocean Park Ocean Shores Odessa Okanogan Olympia Omak Opportunity Orchards Oroville Orting Oso Othello Otis Orchards-East Farms Oyehut-Hogans Corner Pacific Paine Field-Lake Stickney Palouse Parkland Parkwood Pasco Pateros Peaceful Valley Pe Ell Picnic Point-North Lynnwood Pomeroy Port Angeles Port Angeles East Port Hadlock-Irondale Port Ludlow Port Orchard Port Townsend Poulsbo Prairie Ridge Prescott Priest Point Prosser Pullman Puyallup Quilcene Quincy Rainier Ravensdale Raymond Reardan Redmond Renton Republic Richland Ridgefield Ritzville Riverbend River Road Riverside Riverton-Boulevard Park Rochester Rockford Rock Island Rockport Ronald Roosevelt Rosalia Roslyn Roy Royal City Ruston St. John Salmon Creek Sammamish Satsop Satus SeaTac Seattle Seattle Hill-Silver Firs Sedro-Woolley Selah Sequim Shaker Church Shelton Shoreline Silvana Silverdale Skokomish Skykomish Smokey Point Snohomish Snoqualmie Snoqualmie Pass Soap Lake South Bend South Cle Elum South Hill South Prairie South Wenatchee Spanaway Spangle Spokane Sprague Springdale Stanwood Starbuck Startup Steilacoom Stevenson Stimson Crossing Sudden Valley Sultan Sumas Summit Summitview Sumner Sunnyside Sunnyslope Suquamish Tacoma Taholah Tanglewilde-Thompson Place Tanner Tekoa Tenino Terrace Heights Thorp Three Lakes Tieton Tokeland Toledo Tonasket Toppenish Touchet Town and Country Tracyton Trentwood Trout Lake Tukwila Tulalip Bay Tumwater Twisp Union Gap Union Hill-Novelty Hill Uniontown University Place Vader Vancouver Vantage Vashon Venersborg Veradale Verlot Waitsburg Walla Walla Walla Walla East Waller Wallula Walnut Grove Wapato Warden Warm Beach Washougal Washtucna Waterville Waverly Weallup Lake Wenatchee West Clarkston-Highland West Lake Sammamish West Lake Stevens West Longview West Pasco Westport West Richland West Side Highway West Valley West Wenatchee White Center White Salmon White Swan Wilbur Wilkeson Wilson Creek Winlock Winthrop Wishram Woodinville Woodland Woods Creek Woodway Yacolt Yakima Yarrow Point Yelm Zillah