Best Medicare Supplement Plans in Washington State
Cigna and Mutual of Omaha offer the best Medicare Supplement plans in Washington State.
Cigna’s Plan G option has a monthly cost of $200.73 in King County, which is the most comprehensive plan. Mutual of Omaha’s Plan N rates are also competitive, with a monthly price of $152.36 in Pierce County. Notable features of these plans include household discounts, low monthly premiums, and high customer satisfaction.
Things to note about WA:
- Tobacco rates do not apply in Washington State.
- Medigap insurers use a “community-rated” or “no-age-rated” pricing system in Washington. This means that regardless of age, everyone who purchases a specific Medigap plan pays the same monthly premium.
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Plan G Rates in WA:
Sample rates by age:
65-male: $200.73 – 75-female: $200.73
-
Plan N Rates in WA:
Sample rates by age:
65-male: $152.36 – 75-female: $152.36
When researching the best Medicare Supplement plan in Washington State, we only looked at financially viable options from established companies.
Choosing a new or lesser-known insurance company may not necessarily mean lower rates, as they may unexpectedly increase prices. To save money and avoid problems, choosing trustworthy and well-known brands is advisable.
Cheapest Plan G Rates: Cigna
- Plan G: $200.73
- Plan G: $200.73
Cigna Medigap Plan G offers numerous benefits, including the freedom to choose healthcare providers without referrals or network limitations. Benefits are fixed, with no annual changes.
You can select any participating medical provider in the Original Medicare network.
Cigna also has life, dental, and vision insurance policies for purchase separately for an additional premium.
- Original Medicare coinsurance
- Part A deductible
- Foreign travel
- Part B excess charges
- Part B coinsurance
- Emergency care
- Lower out-of-pocket expenses overall
- Silver&Fit fitness program
Cheapest High Deductible G Rates: United American
- HDG Plan: $48.00
- HDG Plan: $48.00
High Deductible Plan G from United American is a unique Medicare Supplement insurance plan that operates differently from standard Plan G. Before coverage begins, you must meet an annual deductible ($2,800 for 2024).
After meeting the deductible, High Deductible Plan G offers the same benefits as the standard Plan G, covering costs that Original Medicare doesn’t, including coinsurance, copayments, and deductibles.
It also covers services not covered by Original Medicare, like medical care when traveling outside the United States.
One notable advantage of High Deductible Plan G is significantly lower premiums compared to the standard Plan G. This makes it an attractive option for individuals in good health with minimal medical expenses. By accepting a higher deductible, individuals can enjoy lower monthly premiums.
Lowest Plan N Rates: Mutual of Omaha
- Plan N: $152.36
- Plan N: $152.36
Medigap Plan N from Mutual of Omaha allows you to visit any doctor that accepts Original Medicare.
- Benefits are fixed, with no annual changes.
- $25 copay for office visits.
- $50 copay for ER visits.
- Option to add dental and vision insurance for additional needs.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
- Lower out-of-pocket expenses overall
- Mutually Well fitness program access
What's the Best Medigap Company in Washington State?
The overall best Medigap providers in Washington are Cigna and Mutual of Omaha.
Medigap plans from these two providers are generally less expensive in Washington, which is why they are popular in our review process. The best Medicare Supplement company can vary depending on the specific plan letter of interest.
For example, one company may offer a cheaper Plan N while another may offer a less expensive Plan G. Each company has its benefits and drawbacks depending on its plan levels.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Cigna Health Group | 5.64% | $200.73 | $152.49 | Spokane | A |
| United Healthcare | 38.28% | $229.50 | $187.50 | Snohomish | n/a |
| Omaha Insurance Company | 8.10% | $217.63 | $152.36 | Clark | A |
Ten standardized Medigap plans in Washington State offer the same coverage regardless of the insurance company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.
Additionally, most of these plans allow you to visit any healthcare provider that accepts Original Medicare since they don’t have any networks.
To simplify the selection process, you can compare insurance companies by examining their costs and policyholder satisfaction ratings.
How Much Does a Medigap Plan Cost in Washington State?
Premiums for a Washington State Medicare Supplement plan can cost as little as $55 or as high as $255, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Washington | ||
| Plan F | $255.34 | Thurston | 47% | ||
| Plan G | $200.73 | Kitsap | 30% | ||
| Plan N | $152.36 | Yakima | 15% | ||
| High Deductible G | $55.91 | Benton | 2.4% | ||
| Plan A | $159.00 | Skagit | 0.62% | ||
Can I Switch Medigap Plans in Washington State?
The state law in Washington restricts Medigap insurers from utilizing medical underwriting when individuals with existing Medigap coverage wish to switch to a different policy after their initial enrollment period.
Furthermore, the state allows Medigap beneficiaries to transition from Medigap Plan A to any other Medigap Plan A. Similarly, individuals with Medigap Plan B through N can switch to any other plan within the B through N range.
Individuals can switch plans on a guaranteed-issue basis at any time during the year, provided they have maintained coverage under a Medigap plan for at least 90 days. This ensures that beneficiaries can change plans without unnecessary restrictions.
Final Verdict
Key takeaways:
With years of industry experience and a proven track record of helping individuals find coverage, we greatly admire Cigna and Mutual of Omaha. Our clients who choose their services remain loyal as these insurance providers consistently offer exceptional value and fast enrollment. Their efficiency and commitment to prompt claims processing are commendable.
Discover the perfect Medicare plan with Policy Guide. Our team of knowledgeable agents is here to assist you in comparing health plans, prices, and policies, ensuring that you make an informed choice that aligns with your unique needs. Let us guide you through this process, ensuring you find a plan that perfectly meets your requirements.
Article Sources: Plan Types | Washington Medigap Info | How Do I Enroll? | Cigna | Mutual of Omaha | WA AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Washington State that covers everything?
- What is the cost of Medicare Supplement plans in Washington State?
- What is the most popular Medigap plan in Washington State?
