Washington Medicare Plans
In Washington many beneficiaries choose to enroll in additional insurance plans to upgrade their Original Medicare coverage. Part D plans and Supplements can limit your out-of-pocket spending making them popular additions among beneficiaries. Advantage plans are also great choices for those who would like vision and dental coverage. Given the sheer number of options for coverage, it is best to work with an Agent to shop your coverage.
Washington Medicare plans open enrollment
Initial enrollment for Medicare in Washington begins at age 65. This period runs for six months beginning the three months prior to your birthday and continuing for the three months after your birthday. At this time it is best to enroll in a Supplement as you cannot be denied coverage based on your health.
While you can enroll in a Supplement at any time during the year, you will be required to complete a health survey and can be denied coverage based on your pre-existing health conditions.
The Medicare plans in Washington 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 43 Advantage plans (Part C) in Washington depending on the county you reside in. These plans are private insurance plans that offer all the original benefits of Medicare and some additional benefits. These additional benefits include vision, dental and prescription drug coverage.
If you enroll in an Advantage plan, you will be able to update or switch your plans during the open enrollment period from Jan 1st through March 31st each year. At this time you may also opt to move to an Original Medicare plan.
Medicare Part D
The 26 Part D plans in Washington offer prescription drug coverage. Original Medicare and Supplements do not cover prescription drugs and can leave beneficiaries with a lot of out-of-pocket expenses. Many choose to limit these expenses by enrolling in a Part D plan or an Advantage plan.
How we can help
Remember, all plans provide standardized coverage, and the only difference is the cost. Our Washington 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.