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AARP / UnitedHealthcare Medicare Supplement Plan K 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 UnitedHealthcare Insurance Company'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.
| Benefit | K | G | N |
|---|---|---|---|
| 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 | – | – |
Policy terms. UnitedHealthcare Insurance Company 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.
Where AARP / UnitedHealthcare sells it
- Medigap sales
- Doesn't sell here
- Sells here
Other insurers selling Plan K in Washington
All AARP / UnitedHealthcare plans · Plan K in Washington
Common questions
Does AARP / UnitedHealthcare sell Plan K in Washington?
Yes. UnitedHealthcare Insurance Company is approved to sell Plan K in all 39 counties (OIC chart current as of October 8, 2026).
Is AARP / UnitedHealthcare Plan K different from other insurers' Plan K?
No. Plan K benefits are standardized. Premium, rate history, discounts and service differ.
Does AARP / UnitedHealthcare charge more for Plan K as I get older?
Not because of age. Washington's community rating rule requires the same premium for everyone in the plan.