Medigap under 65 in Washington
If you're on Medicare because of a disability or end-stage renal disease, Washington insurers don't have to sell you a Medigap policy. Two options exist on the current state chart.
The rule
Federal law requires Medigap open enrollment only for people 65 and older. Some states extend it to people under 65; Washington doesn't. Insurers can decline to sell to you, and most do.
The current options
| Option | Plan | Notes |
|---|---|---|
| United American Insurance Company | Plan B | Health questions and a pre-existing waiting period may apply |
| WA Health Care Authority Premera plan | Plan G | State residents in specific enrollment windows; no health questions |
Source: OIC approved Medigap chart. Under-65 premiums sit in their own rating pool, so they're considerably higher than the same plan's 65+ premium.
When you turn 65
You get a new Medigap open enrollment when you turn 65, even if you've had Medicare for years. At that point every insurer must accept you at its standard 65+ premium. Mark the date.
Other routes
- WSHIP. If you're turned down and meet WSHIP's rules, Washington's high-risk pool has a Medicare Supplement plan. See if you're turned down for Medigap.
- SHIBA. Free counseling on every option, including Medicaid and savings programs: 1-800-562-6900.