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Washington D.C. Medicare Plans

In Washington D.C. there are numerous options to help limit your out-of-pocket expenses while also providing great healthcare coverage. Supplements and Part D plans can limit your expenses. Advantage plans also provide benefits for vision and dental. With so many options to choose from, it is best to work with an Agent in order to ensure you get the best coverage for your needs. 

Washington D.C. Medicare plans open enrollment

Enroll for Medicare begins at 65. This enrollment period lasts six months and begins the three months prior to your birthday and continues for the three months following your birthday. At this time you can also enroll in a Supplement and you are guaranteed issue. 

While you can enroll in a Supplement at any time during the year, you will have to complete a health survey and can be denied coverage based on your pre-existing health conditions. 

Medigap Plans

The Medicare plans in Washington D.C. are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs. 

A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare. 

There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!

If you were enrolled in Medigap plans C or F before  2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans. 

Medicare Advantage Plans

There are 11 options for D.C. residents. Advantage plans provide all the existing benefits of Medicare and offer additional benefits. These additional benefits include vision, dental, and prescription drug coverage. Advantage plans are also called Part C plans and are private insurance plans. These plans are popular with beneficiaries who want vision, dental and prescription coverage. 

You are able to change your plan during the open enrollment period that runs from Jan. 1st – March 31st each year. You are also able to opt for an Original Medicare plan at this time. 

Medicare Part D

The 25 Part D plans cover prescription drugs. Original Medicare and Supplements do not cover prescriptions. If you want to limit your out-of-pocket expenses at the pharmacy consider a Part D plan or Advantage plan. 

How we can help

Remember, all plans provide standardized coverage, and the only difference is the cost. Our Washington D.C. licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process. 

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