Medicare Supplement Plan L in Washington
Plan L pays 75% of most costs and caps your yearly spending at $4,000 (2026). Only one Washington insurer sells it.
- Insurers selling it in WA
- 1
- Lowest monthly premium
- $228
- Middle (median) premium
- $228
- Highest monthly premium
- $228
- Yearly gap, lowest to highest
- $0
How Plan L works
Plan L pays 100% of Part A hospital coinsurance and preventive care coinsurance, and 75% of most other gaps: the Part A deductible, Part B coinsurance, skilled nursing, hospice and blood. Once your out-of-pocket spending plus the Part B deductible reaches $4,000 in 2026, it pays 100% for the rest of the year.
Is it worth it?
Compare Plan L's premium with the same insurer's Plan G. If Plan G costs only slightly more, Plan G's near-zero out-of-pocket exposure usually wins. Plan L makes sense when the premium gap is large and you want a firm cap.
Plan L prices from Washington insurers
Medicare Supplement Plan L, monthly premium in Washington
Age 65+, monthly bank draft. Washington OIC chart current as of October 8, 2026.
| Insurer | Monthly | Yearly | Where it sells | Rate effective |
|---|---|---|---|---|
| UnitedHealthcare Insurance Company AARP membership required | $228 | $2,736 | All 39 counties | June 1, 2026 |
What Plan L covers next to other plans
| Benefit | L | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 75% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 75% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 75% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | 75% | 100% | 100% | 100% |
| Part A deductible | 75% | 100% | 100% | 100% |
| Part B deductible | – | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | – | 80% | 80% | 80% |
| Yearly out-of-pocket limit | $4,000 | – | – | – |
Common questions
What is the cheapest Plan L in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan L premium among the insurers we compare is $228 a month from UnitedHealthcare Insurance Company (AARP membership required).
Does my age change the Plan L premium in Washington?
No. Washington requires community rating, so an insurer charges every policyholder 65 and older the same premium for the same plan. Premiums can still rise for everyone when the insurer gets a rate increase approved.
How many insurers sell Plan L in Washington?
1 insurers have an approved Plan L premium on the current OIC chart. Some sell only in certain counties.