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Premera Medicare Supplement Plan N in Washington
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 Premera Blue Cross's Plan N covers, where it's sold in Washington, its underwriting terms and the other insurers that sell the same plan.
What Plan N covers
Plan N covers the same hospital, skilled nursing and Part B coinsurance as Plan G, except for copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission. It doesn't pay Part B excess charges.
Who it fits: People whose doctors accept Medicare assignment and who want a lower premium than Plan G in exchange for small copays.
| Benefit | N | G | A |
|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100%* | 100% | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% | – |
| Part A deductible | 100% | 100% | – |
| Part B deductible | – | – | – |
| Part B excess charges | – | 100% | – |
| Foreign travel emergency (up to plan limits) | 80% | 80% | – |
| Yearly out-of-pocket limit | – | – | – |
Policy terms. Premera Blue Cross Medicare Supplement policies are guaranteed renewable, as all Medigap policies are. This insurer may apply a pre-existing condition waiting period of up to three months (none if you replace coverage you've had for three months), 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.
Where Premera sells it
- Medigap sales
- Doesn't sell here
- Sells here
Other insurers selling Plan N in Washington
- AARP / UnitedHealthcare
- Aetna (First Health)
- Asuris
- Bankers Reserve Life (Centene)
- Chubb (INA)
- GPM Health & Life
- HealthSpring (Medco Containment Life)
- Humana (HumanaDental)
- Mutual of Omaha (United World Life)
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
- State Farm
- USAA
- United American (Globe Life)
- Washington National
All Premera plans · Plan N in Washington
Common questions
Does Premera sell Plan N in Washington?
Yes. Premera Blue Cross is approved to sell Plan N in 38 Washington counties (OIC chart current as of October 8, 2026).
Is Premera Plan N different from other insurers' Plan N?
No. Plan N benefits are standardized. Premium, rate history, discounts and service differ.
Does Premera charge more for Plan N as I get older?
Not because of age. Washington's community rating rule requires the same premium for everyone in the plan.