State Farm provides Washington, D.C.'s best Medicare Supplement rates for Plan G ($128 monthly) and Plan N ($99 monthly). Aetna offers the cheapest Plan F at $192 monthly. Your best rate depends on your age, plan type and pricing style preference.
Best Medicare Supplement Plans in Washington, D.C. (2026)
Updated: January 14, 2026
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the District's cheapest Plan G and Plan N rates while Aetna has the lowest Plan F.
Plans range from $28 to $1,445 per month in Washington, D.C. based on your coverage selection.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in Washington, D.C.
| State Farm | A | $116 | $141 | Attained Age Pricing |
| Humana | B | $184 | $61 | Attained Age Pricing |
| Mutual of Omaha | C | $191 | $77 | Attained Age Pricing |
| State Farm | D | $128 | $53 | Attained Age Pricing |
| Aetna | F | $192 | $102 | Attained Age Pricing |
| State Farm | G | $128 | $105 | Attained Age Pricing |
| Transamerica | K | $78 | $24 | Issue Age Pricing |
| Transamerica | L | $115 | $49 | Issue Age Pricing |
| Transamerica | M | $142 | $66 | Issue Age Pricing |
| State Farm | N | $99 | $95 | Attained Age Pricing |
*Prices are for 65-year-olds.
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$128Plan Types
A, C, D, F, G, N
Aetna Medicare
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$201Plan Types
A, F, G, N
Humana
MoneyGeek Rating
4.0/ 5
4.2/5Affordability
4.1/5Pricing Style
3.5/5Plan Availability
Average Plan G Rate
$218Plan Types
A, B, C, F, G, K, L
Mutual of Omaha
MoneyGeek Rating
4.1/ 5
4.4/5Affordability
4/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$161Plan Types
A, C, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$174Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Washington, D.C.
State Farm offers Washington, D.C.'s lowest Plan G rate, priced below the district average, with Mutual of Omaha and Transamerica providing competitive options.
| State Farm | $128 | $79 | $1,536 | $948 |
| Mutual of Omaha | $161 | $46 | $1,932 | $552 |
| Transamerica | $174 | $33 | $2,088 | $396 |
| USAA | $175 | $32 | $2,100 | $384 |
| LifeShield National | $182 | $25 | $2,184 | $300 |
| Globe Life | $194 | $13 | $2,328 | $156 |
| Physicians | $194 | $13 | $2,328 | $156 |
Best Medicare Supplement Plan F in Washington, D.C.
In Washington, D.C., Plan F costs $192 to $229 monthly based on pricing style and deductible options. Aetna provides the lowest Plan F rate at $192 monthly, 25% below average. State Farm ($197 monthly) and LifeShield National ($205 monthly) have competitive pricing, saving residents hundreds each year.
| Aetna | $192 | $64 | $2,304 | $768 |
| State Farm | $197 | $59 | $2,364 | $708 |
| LifeShield National | $205 | $51 | $2,460 | $612 |
| Mutual of Omaha | $213 | $43 | $2,556 | $516 |
| Globe Life | $220 | $36 | $2,640 | $432 |
| Physicians | $223 | $33 | $2,676 | $396 |
| Bankers Life | $229 | $27 | $2,742 | $324 |
Best Medicare Supplement Plan N in Washington, D.C.
Plan N costs from $99 to $136 monthly in Washington, D.C., depending on pricing style. State Farm provides the lowest Plan N rate at $99 monthly, 40% below average, saving residents $780 annually. Aetna ($114 monthly) and Mutual of Omaha ($118 monthly) offer competitive rates.
| State Farm | $99 | $65 | $1,188 | $780 |
| Aetna | $114 | $50 | $1,368 | $600 |
| Mutual of Omaha | $118 | $46 | $1,416 | $552 |
| LifeShield National | $123 | $41 | $1,476 | $492 |
| Globe Life | $126 | $38 | $1,512 | $456 |
| Transamerica | $133 | $31 | $1,596 | $372 |
| Bankers Life | $136 | $28 | $1,632 | $336 |
Personalized Washington, D.C. Medicare Supplement Plan Recommendations
Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.
Data filtered by:
A
Select
No
| State Farm | A | No | 65 | $116 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $128 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $129 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $140 | $0 | Attained Age Pricing |
| Aetna | A | No | 65 | $141 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $145 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $153 | $0 | Issue Age Pricing |
| Humana | A | No | 65 | $169 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $181 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $200 | $0 | Community Pricing |
Medicare Supplement Plan Cost in Washington, D.C.
Across 10 standardized plan types in Washington, D.C., Medicare Supplement insurance costs range from $102 to $294 monthly for 65-year-olds, averaging $215. Plan K costs the least while Plan F costs the most.
The most popular plans (Plan G, Plan F and Plan N) average $233, $294 and $194 monthly. Annual costs range from $1,224 to $3,528. Your actual premium depends on provider, age and insurer's pricing style.
| A | $257 | $3,084 |
| B | $245 | $2,940 |
| C | $268 | $3,216 |
| D | $181 | $2,172 |
| F | $294 | $3,528 |
| G | $233 | $2,796 |
| K | $102 | $1,224 |
| L | $164 | $1,968 |
| M | $208 | $2,496 |
| N | $194 | $2,328 |
How to Choose the Best Medicare Supplement Plan
After choosing your plan type, you'll want to compare providers in the nation's capital. Focus on these critical elements when selecting a Medicare Supplement insurer.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays of $20 for doctor visits and $50 for emergency room visits. Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Multiple Insurance Quotes
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Methods
Three pricing methods exist: Issue Age locked at your enrollment age, Attained Age that rises as you age and Community-Rated that's the same for everyone. Issue Age and Community-Rated plans provide better value over time.
- 5Research Company Ratings
Cheaper premiums aren't worth it if your insurer delays claims or provides poor service. Check AM Best ratings for financial stability and customer satisfaction scores for service quality.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Washington, D.C. Medicare Resources
For Washington, D.C. residents who need assistance selecting Medicare coverage or understanding your options, free state and federal assistance is available.
- D.C. Health Insurance Counseling Project (DC HICAP): Offers free, confidential individual counseling to help Medicare beneficiaries and their families understand benefits, enrollment and coverage options. Certified volunteers provide unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage.
- D.C. Department of Insurance, Securities and Banking: Publishes rate comparisons for Medicare Supplement plans and provides consumer protection services for insurance-related concerns. The department runs a helpline to assist with insurance questions and complaints while helping seniors identify and report insurance scams.
- D.C. Office on Aging: Serves seniors with information and programs covering health care, nutrition and social services. The office provides assistance with Medicare enrollment, benefits counseling and access to local community resources for elderly residents and caregivers.
- Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code.
Medicare Supplement Plans in Washington, D.C.: FAQ
Find answers to frequently asked questions about Medicare Supplement insurance for Washington, D.C. residents.
When is Medicare Supplement open enrollment in Washington, D.C.?
Medicare Supplement open enrollment in Washington, D.C. begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Washington, D.C. Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Washington D.C. Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.