The Best Washington Medicare Supplement Plans (2022)

Washington has 10 available Medicare Supplement or Medigap plans from private insurers, available based on Medicare eligibility date. The best Medicare Supplement plans in Washington come from Cigna.

Note that you are not allowed to purchase Medigap and Medicare Advantage plans in Washington or elsewhere since Medicare Advantage plans replace your entire plan, including Original Medicare.

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Last Updated: 9/14/2022
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In Washington, Medicare Supplement plans cost an average of $160 per month for 65-year-olds. Rates for 75-year-olds are slightly higher, at an average of $166 monthly.

Plan G and F provide more comprehensive coverage and are the most popular. Plan G costs an average of $158.50 monthly in Washington, while Plan F costs per month around $184.34. You qualify for Plan F if you were eligible for Medicare before 2020.

The next most popular Medigap plan is N, which costs an average of $164.70 in Washington. While this plan has similar coverage, it does not include the Part B deductible or excess charges.

MoneyGeek analyzed the average premiums and benefits of the three plans. You can compare the best Medicare Supplement plans in Washington and learn how to get the best Medigap plan using our guide.

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Best Medicare Supplement Plans in Washington

Best Medicare Supplement Plan G in Washington

The best Medicare Supplement Plan G provider in Washington is Cigna, averaging $185.14 per month.

MoneyGeek’s rankings only include companies with online quote tools. There may be others in Washington with more affordable rates without online quote capabilities.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $185.14

Medigap Plan G from Cigna costs an average of $185.14 per month, which is higher than the average cost of $158.50 for Plan G in Washington by around $26.64.

Cigna provides a Healthy Rewards discount program to Medicare plan holders. There is also a 24/7 health information line, plus foreign travel emergency care that covers 80% of your emergency medical costs while traveling outside the United States.

MORE ABOUT PLAN G IN WASHINGTON

Navigate to learn more about Medigap Plan G in Washington, including how much it costs on average, the available providers and what it covers.

The Cost of Medicare Supplement Plan G in Washington

Plan G costs an average of $158.50 per month in Washington, although your actual rate may vary based on the company, your current age, how old you are when purchasing the plan and other medical underwriting factors.

The cheapest Plan G provider in Washington is Premera, charging around $120.50 per month, whereas the most expensive company is UnitedHealthcare, at roughly $206.30. You could save about $85.80 a month by shopping around.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Premera
    $121
  • Cigna
    $185
  • Regence
    $188
  • UnitedHealthcare
    $206

Providers Offering Plan G in Washington

Plan G is available through 12 companies in Washington, although some do not offer online quotes.

To ensure that you find the best option for your needs, MoneyGeek obtained the contact details of every Medigap Plan G provider in Washington. We also outline the pricing method every insurer uses to help you determine which may cost more because of your age.

Providers Offering Plan G in Washington

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Cigna
    1-855-891-9368
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Premera
    855-339-4105
    Community
  • Regence
    1 (888) 319-4181
    Community

What Does Plan G Cover?

All Medicare Supplement plans in Washington offer standard coverage and must meet certain requirements. Plan G provides comprehensive coverage but does not include the Part B deductible.

You may receive additional benefits from your Medigap Plan G provider in Washington. For example, the Healthy Rewards discount program and foreign travel emergency benefit from Cigna.

Required Benefits of Plan G in Washington
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Washington

Cigna provides the best Medigap Plan F In Washington, with an average monthly premium of $227.77. The company also provides a high-deductible Plan F, costing around $69.51 per month.

MoneyGeek sourced data from Plan F providers in Washington with online quote tools. Other providers that don’t give online quotes may feature a more competitive Plan F.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $227.77

Cigna’s Medicare Supplement Plan F costs about $227.77 per month, which is higher than the average cost for Plan F in Washington of $184.30 by roughly $43.47.

The company provides various additional benefits, including a 24-hour health information line where policyholders can engage with a health care provider.

Seniors may also take advantage of Cigna’s high-deductible Plan F, with an average cost of $69.51 monthly, although they need to pay for Medicare-covered costs up to a deductible of $2,490 a year.

MORE ABOUT PLAN F IN WASHINGTON

Navigate to learn more about Medigap Plan F in Washington, including its average cost, available providers and coverage.

The Cost of Medicare Supplement Plan F in Washington

In Washington, Medigap Plan F costs an average of $184.30 per month. Individual rates may vary significantly depending on factors like available discounts, current age, age at the time of purchasing the plan and medical underwriting factors.

For example, Cigna provides the most affordable Plan F for 75-year-olds in Washington at roughly $148.60. Meanwhile, UnitedHealthcare is the most expensive, averaging $255.80 per month, a difference of around $107.20 monthly.

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75

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  • Company
    Sample Monthly Rate
  • Cigna
    $149
  • UnitedHealthcare
    $256

Providers Offering Plan F in Washington

Twelve companies provide Medicare Supplement Plan F in Washington. However, some of them do not provide online quotes. MoneyGeek collected the contact information and pricing methods for Medigap Plan F providers in Washington to help you find the best option for your needs.

Providers Offering Plan F in Washington

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Cigna
    1-855-891-9368
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Premera
    855-339-4105
    Community
  • Regence
    1 (888) 319-4181
    Community

What Does Plan F Cover?

Medigap Plan F gives comprehensive coverage but only covers 80% of foreign travel expenses up to the plan limits.

All Medicare Supplement policies are standardized across providers and must meet certain criteria. Some companies, however, offer additional benefits to policyholders. For example, the health information line and foreign travel emergency care from Cigna.

Required Benefits of Plan F in Washington
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Washington

If you are a senior in need of Medigap Plan N in Washington, Cigna is the best provider, at an average cost of $136.02 per month.

MoneyGeek’s comparison of the best Medicare Supplement Plan N in Washington only includes providers with online quotes. You may find a better-suited company without an online quoting system.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $136.02

The Cigna Medigap Plan N costs around $136.02 monthly; it is cheaper than the Washington monthly average for Plan N of $164.70 by around $28.68 per month.

Cigna provides various benefits aside from standard coverage requirements, including 80% foreign travel emergency cost coverage for medical bills while out of the country.

MORE ABOUT PLAN N IN WASHINGTON

Navigate to learn more about Medigap Plan N in Washington, including the average cost, what providers are available and what coverage it includes.

The Cost of Medicare Supplement Plan N in Washington

In Washington, Plan N costs an average of $164.70 per month. However, actual rates may differ based on factors like the policyholder’s age, discounts offered by the provider and medical underwriting factors.

A 65-year-old living in Washington pays an average of $136.00 for Medigap Plan N from Cigna, the cheapest. Premera is the most expensive Plan N provider in Washington, with a monthly rate averaging $184.50. That’s a difference of roughly $48.50.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Cigna
    $136
  • Regence
    $145
  • UnitedHealthcare
    $169
  • Premera
    $185

Providers Offering Plan N in Washington

Washington has 11 companies that offer Medicare Supplement Plan N. Some of the companies do not offer quotes online and, therefore, were not included in MoneyGeek’s research.

To help you compare rates more effectively, MoneyGeek collected contact details from every Plan N provider in Washington. We also analyzed the pricing methods across providers so you can find out which may charge more for your age.

Providers Offering Plan N in Washington

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Cigna
    1-855-891-9368
    Community
  • GPM Health and Life
    866-242-7573
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Premera
    855-339-4105
    Community
  • Regence
    1 (888) 319-4181
    Community

What Does Plan N Cover?

Plan N provides standardized Medigap coverage like other Medicare Supplement plans, including the minimum benefits like Part A costs. However, the plan does not include the Part B deductible and excess charges. It does cover 80% of foreign travel exchange costs.

Depending on the insurer you choose, Plan N may include additional benefits. For example, the Healthy Rewards program from Cigna.

Required Benefits of Plan N in Washington
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Washington: Other Plan Types

Washington Medigap providers offer several other plans — A, B, C, K and L — aside from F, G and N. These plans are less comprehensive and thus less common.

MoneyGeek determined the best providers of the other Medicare Supplement plan letter types using available online quotes. From the analysis, the best insurer for Plan A, B, C, K and L is UnitedHealthcare. Regence is also a top provider for Plan K.

If you became eligible for Medicare after January 1, 2020, you do not qualify for Medigap Plan C in Washington or other states.

The Best Medicare Supplement in Washington - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $147.00

  • B

    UnitedHealthcare

    $216.25

  • C

    UnitedHealthcare

    $254.50

  • F

    Cigna

    $227.77

  • G

    Cigna

    $185.14

  • K

    UnitedHealthcare

    $68.00

  • K

    Regence

    $121.00

  • L

    UnitedHealthcare

    $149.25

  • N

    Cigna

    $136.02

How to Find the Best Medicare Supplement Plans in Washington

Medicare Supplement insurance in Washington is quite complex, and determining the best option for you may be an uphill task. MoneyGeek analyzed pricing information and established a chart that includes the plan types to help you compare Medicare Supplement plans in Washington quickly.

Washington Medicare Supplement Plans Comparison Chart

Each Medicare Supplement plan features different coverages, and some plan types are only available based on when you had Medicare eligibility. For example, Plan F and C are the most comprehensive but unavailable to new Medigap enrollees. Their replacements are Plan D and Plan G.

You can use the following chart to compare costs and coverage levels across the different Medigap plans in Washington.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Washington

Medigap plans in Washington have different costs across plan letter types and providers. The cheapest insurer for Plan G is Premera, and Cigna for Plan F and N. UnitedHealthcare provides the lowest rates for other plan letter types (A, B, C, K and L).

Typically, Medigap providers determine rates based on these pricing methods:

  • Attained-Age: The companies determine premiums based on current age and increase the rates as you grow older.
  • Issue-Age: This refers to your age at the time of purchasing your plan. Insurers that use this do not increase your premiums as you grow older.
  • Community-Rated: Plans that use this method feature the same monthly premium for all policyholders, regardless of their age.
Average Cost of Medicare Supplement in Washington

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $147
  • Regence
    $167
  • Cigna
    $173
  • Premera
    $187

FAQs About Medicare Supplement Plans in Washington

Medicare Plans are quite complex, and MoneyGeek responded to some of the commonly asked questions about the Medicare Supplement plans in Washington to ensure you make informed decisions.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Washington for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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