Washington Medigap FAQ

Medigap, or Medicare Supplement insurance, is a private policy that pays costs Original Medicare doesn't, such as deductibles and the 20% Part B coinsurance. Plans are standardized by letter.

Yes. The terms mean the same thing.

17 insurers appear on this site from the Washington OIC approved Medigap chart (current as of October 8, 2026). Each county has 14 or 15 of them.

Plans A, B, C, D, F, G, K, L and N, plus high-deductible F and G. Plan M is legal but no insurer currently sells it in Washington.

The Office of the Insurance Commissioner (OIC). Its SHIBA program gives free Medicare counseling at 1-800-562-6900.

It's optional. Original Medicare has no yearly out-of-pocket limit; Medigap caps your exposure to Medicare-covered costs.

Not because of age. Washington requires community rating, so everyone in a plan pays the same premium. Premiums still rise when the state approves an insurer's rate increase.

No. Each insurer charges the same premium everywhere it sells in Washington.

Washington allows discounts for a spouse or partner with the same insurer and for how you pay, such as bank draft.

$202.90 a month standard, higher at higher incomes.

$283. Only Plans C and F pay it.

$1,736 per benefit period.

$2,950.

Plan G, among people new to Medicare. It's the most complete plan available to people first eligible in 2020 or later.

17 on the current state chart.

16 on the current state chart.

Plan N adds copays (up to $20 for some office visits, up to $50 for ER visits without admission) and doesn't cover Part B excess charges. Otherwise they're the same.

Only if you were first eligible for Medicare before January 1, 2020.

No. That's the one Medicare cost Plan G leaves you.

No. Add a separate Part D drug plan.

No standardized Medigap plan covers routine dental, vision or hearing aids.

No, except Medicare SELECT policies. Medigap pays at any U.S. provider that accepts Medicare.

Plans C, D, F, G, M and N pay 80% of emergency care abroad after a $250 deductible, up to $50,000 lifetime.

Six months starting the month you're 65 and enrolled in Part B. It happens once.

Yes, if you have Plan B through N: you can switch to another Plan B through N any time with no health questions. Plan A can switch to Plan A.

Washington doesn't need one. Its switching rule lets people with Plan B through N change plans any day of the year.

Outside your open enrollment, a guaranteed-issue situation or Washington's switching rule, yes, insurers can ask health questions.

Up to three months in Washington, and none if you replace coverage you've had for three months.

30 days, for a full refund (free look).

Yes during Medicare enrollment periods, but Medigap acceptance is only guaranteed in certain situations, such as a 12-month trial right.

Not if your employer has 20 or more employees and your coverage comes from current work: starting Part B starts your one-time Medigap window.

Insurers aren't required to sell to people under 65. Only a couple of options exist; see Medigap under 65.

Washington's high-risk pool, WSHIP, offers a Medicare Supplement plan to some people declined for health reasons.

No. Medigap premiums are filed with the state and are the same whether you buy through an agent or directly.

Premiums change during the year and depend on discounts. A current quote is the only reliable number.

Maru Insurance, an independent agency. Vadim Marusin is a licensed Washington insurance producer (license 1365574, NPN 22261820).