Best Medicare Supplement Plans in Washington State for 2019

Are you wanting to find the best Medicare Supplement plan in Washington State for 2019, or are you wondering if this type of Medicare coverage is right for your situation? If you are willing to pay a monthly premium so that you can save on your out-of-pocket costs for healthcare overall, it’s worth it to explore Medicare Supplement plans in Washington State. Even though Original Medicare is a good health insurance option overall, it’s a good idea to add a complementary health plan. With a Medigap insurance plan, you can enjoy all of the benefits of Medicare Part A and Part B, as well as some additional cost-saving benefits, too.

Best Medicare Supplement Plans in Washington State for 2019: Benefits Overview

Instead of being enrolled in Medicare Part A and Part B, many people choose to sign up for Medicare Advantage plans. With these plans, you are no longer covered by Original Medicare at all. Instead, you have a “replacement plan” — which is regulated by the government organization, CMS — through a Medicare insurance company.  These types of plans still require you to pay your Medicare Part B Premium and have specific service areas related to their HMO and PPO networks.  They are also assigned star ratings by CMS to serve as a potential guide to Medicare beneficiaries.

For some, Medicare Advantage plans might be the best choice for 2019. An alternative that you might like even more, though, is one of the Medicare Supplement insurance plans in Washington State. Unlike with Medicare Advantage, you’ll still have Original Medicare. Then, on top of that, you can opt for one of the Medicare Supplement insurance plans.

If you do make the decision to sign up for one of the Medigap plans in Washington State for 2019, you’ll be able to enjoy many benefits in exchange what many consider to be reasonable rates. You’ll have help with things like your Medicare Part B deductible, Medicare copayments, preventive care costs that aren’t covered by Medicare and the things listed below, among other things:

  • Skilled Nursing Facility
  • Home Health Care
  • Medicare Part A and Part B deductibles
  • Original Medicare’s coinsurances
  • Part B Excess Charges
  • Foreign Travel

Medicare Supplement Plans in Washington State: Enrollment Statistics

The top five most populated counties in Washington State, as well as the other counties across the state, are home to many people who rely on Medigap policies to best enhance their healthcare coverage for 2019.

  • King (Home of Seattle)
  • Pierce
  • Snohomish
  • Washington
  • Spokane
  • Clark County

A few interesting stats that you might want to know about Medicare and Medigap:

  • There were more than 874,000 beneficiaries of Medicare in Washington State in 2017. This includes both those with Medicare Part A and Medicare Part B, as well as those enrolled in both. 2019 Medicare information was not available at the time the article was written.
  • More than 226,000 Medicare recipients in Washington State are also the beneficiary of a Medigap plan.
  • Many feel that Medicare Plan F is the best Medicare Supplement plan in Washington State as it is the most popular.

How Many Medicare Supplement Plans are Available in Washington State for 2019?

Of course, you will need to compare coverage between plans so that you can decide which one might benefit you the most. Additionally, you’ll probably want to compare rates between different plans, as well as comparing rates from different providers, before you make your Medigap plan choice. If you are wondering which options you’ll be able to choose from when searching for the best Medicare Supplement plan in Washington State for 2019, check out this list of 10 plans you’ll be able to choose from.

As you might have noticed in the stats above, Medicare Plan F is the most popular Medigap option for people who live in Washington State. According to many, it is the best Medicare Supplement plan in Washington State. There is also a high deductible version of this plan available in some service areas.  Once you compare 2019 benefits, rates and premiums for Medicare Plan F, you might decide that it’s the best Medicare Supplement plan in Washington State in your opinion, too. However, you shouldn’t hurry out and sign up for this plan without talking to someone from an insurance company and do your research yourself. Then, you can decide which of the 2019 Medigap policies, with its rates for premiums and its benefits, is going to be right for you.

For best results and the best coverage, you should also check out a Medicare prescription drug plan. Neither Original Medicare nor Medigap plans include prescription drug coverage, but you can be penalized if you do not have credible coverage in place while being Medicare eligible.  Medicare Part D drug plans, in addition to Medicare Supplement insurance plans in Washington State, can help greatly with reducing healthcare costs. This is particularly true for seniors who might spend a lot of money purchasing all of their medication.

Best Medicare Supplement Plans in Washington State: When Can I Enroll?

Now that you understand the many perks of Medigap plans in Washington State, you might be ready to enroll for 2019. After all, the sooner that you enroll in one of the best Medigap plans in Washington State, the sooner you will be able to take advantage of its benefits.

If you have signed up for Medicare Part B within the last six months, then you should still be in your Initial Enrollment Period. During the Medigap Open Enrollment Period, it’s ideal to sign up for your plan.

If you’re someone who is worried about being turned down for a Medigap policy because of your existing health issues, you should know that you cannot actually be turned down for health issues during this six-month period. Instead, the company that you apply for a plan with must accept you. This will only be the case in the future under very specific circumstances, so you will want to take advantage of it during your Open Enrollment Period if you can.

The Open Enrollment Period won’t just help you get approved for the best Washington State Medigap plan specific to your needs, either; it can actually help you save money on your policy. There are limits to how much you can be charged for your coverage due to health issues if you sign up during this time. If you sign up later, you could be charged more. Since the point of signing up for one of these plans is to save money in most cases, signing up during the time when you will qualify for the lowest rates makes the most sense.

Best Rates for Medicare Supplement Plans in Washington State for 2019

While every insurance company that offers Medicare Supplement insurance plans in Washington State for 2019 has to offer the same standard benefits for the same plan level, prices may vary. These are some of the largest companies when comparing Medicare Supplement rates in Washington State for the best Medicare Plan F and Plan G pricing:

Washington State Medicare Resources

Even though you might have learned a lot here about Medicare Supplement plans in Washington State for 2019, you may want to learn more about them or about the regular Medicare benefits that you can enjoy as a Medicare recipient. If you have special needs due to health conditions or financial hardship you should contact your state’s Medicaid services dept. as you might be eligible for extra assistance programs.  These additional resources can provide additional information to Washington Medicare beneficiaries: