Washington Medigap Rates and Information
Washington Rates & Companies--Use this link to the Office of the Insurance Commissioner to see plans and rates for all companies in the state. This list is updated 3-4 times a year. I am contracted with most of these companies.
You may be eligible for a guaranteed issue when applying for a Medigap plan. Call for more information. If you would also like information about Medicare Advantage plans let us know. There are Medicare Advantage plans that provide excellent coverage with premiums as low as $0 per month that include drug coverage. This is often a good choice for people that are in good health and aren't sure if they will outlive their savings or income.
Currently the company that has shown the best rate stability and
lowest prices is
Premera Blue Cross-Get Quotes and Apply Online
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Washington
has special rules for Medigap plans:
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Medigap plans are community rated, everyone applying for the same plan with the same company pays the same rate and;
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You can switch from one Medigap plan to a like plan on a guaranteed issue basis so you can always be in the lowest cost plan available in the state.
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Medigap
Facts & Information:
Choosing A Medigap Policy: A Guide To Health Insurance For
People With Medicare - 02110. This booklet
contains information on choosing
a Medigap policy to supplement the original Medicare plan. (56 pages). We
can also mail you a copy if you wish.
If you are
interested in learning more about these products please contact us.
We recommend that
you keep Original Medicare and get a Medicare Supplement
in areas that have limited coverage, for people that have ongoing health issues,
or people that travel or reside in more than one state.
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Medigap plans have been standardized by federal and state law. Standardized plans are designated by the letters A through N. Standardized means that no matter who you buy the plan from it will be the same.
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You can enroll in a Medigap plan at any time if you health qualify. Health qualify means answer no to a short list of questions and if being treated for a chronic illness being stable on the same medication for 2 years. We represent several carriers and can get coverage for 95% of the people that we help apply for coverage.
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Medigap plans do not include drug coverage which must be purchased separately.
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You have certain rights under Medicare rules to join or rejoin Medigap plans as a guaranteed issue. Those rights are listed in Section 3 of “Choosing a Medigap Policy”.
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Historically the most common plan chosen is Plan F. With a plan F most people will have no out of pocket expenses other than the premium, and drug coverage which must be purchased separately. Plan N is a lower priced option chosen by many people. With Plan N you pay the Part B deductible, co-pays for certain doctor visits and excess charges if applicable. Excess charges of 15% above Medicare’s fee schedule can only be charged by providers that do not accept Medicare. Since 90% of providers are Medicare providers this might not ever happen.
For more information or to look at enrollment materials to help you decide if you qualify or are interested in this coverage give us a no obligation call to discuss your situation.
Household discounts and a discount for automatic payment may apply. Rates are subject to change generally on an annual basis. Actual rate for some companies will be determined upon acceptance into the program based on eligibility criteria and your medical conditions. See plan documents for full details. Never cancel other insurance before receiving acceptance in writing from the carrier.
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form for a FREE Medicare Supplement Quote |
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