By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
What Asuris Northwest Health's Plan K covers, where it's sold in Washington, its underwriting terms and the other insurers that sell the same plan.
What Plan K covers
Plan K pays 50% of most Medicare cost-sharing, including the Part A deductible, until you reach a yearly out-of-pocket limit ($8,000 in 2026), then 100% for the rest of the year. Preventive care and hospital coinsurance are covered in full.
Who it fits: People who want catastrophic protection with a low premium and can handle sharing costs up to the limit.
Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end
100%
100%
100%
Part A hospice care coinsurance or copay
50%
100%
100%
Part B coinsurance or copay (the 20%)
50%
100%
100%*
Medicare preventive care Part B coinsurance
100%
100%
100%
First 3 pints of blood
50%
100%
100%
Skilled nursing facility care coinsurance
50%
100%
100%
Part A deductible
50%
100%
100%
Part B deductible
–
–
–
Part B excess charges
–
100%
–
Foreign travel emergency (up to plan limits)
–
80%
80%
Yearly out-of-pocket limit
$8,000
–
–
100% = the plan pays the full benefit. – = not covered. Plan N pays the Part B coinsurance except copays of up to $20 for some office visits and up to $50 for ER visits that don't lead to an inpatient admission. Plans K and L pay 100% after the yearly out-of-pocket limit and the Part B deductible. 2026 amounts: Part A deductible $1,736, Part B deductible $283, high-deductible F and G deductible $2,950. Plans C and F: only for people first eligible for Medicare before Jan. 1, 2020. Source: OIC/SHIBA standardized plan chart, 2026.
Policy terms. Asuris Northwest Health Medicare Supplement policies are guaranteed renewable, as all Medigap policies are. This insurer shows no pre-existing condition waiting period on the state chart, and may ask health questions outside guaranteed-issue periods. Medigap policies don't cover prescription drugs, routine dental, vision or hearing care, hearing aids, or long-term custodial care. Plans C and F are only for people first eligible for Medicare before 2020. For the policy form number, premiums, complete benefits, exclusions and limitations, see the insurer's outline of coverage, which you receive before you apply.
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