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Medicare Supplement Plan N in Washington

Plan N covers nearly everything Plan G does for a lower premium. In exchange you pay small copays at the doctor and the emergency room, and you're exposed to Part B excess charges.

Insurers selling it in WA
16
Lowest monthly premium
$189
Middle (median) premium
$232
Highest monthly premium
$294
Yearly gap, lowest to highest
$1,260

What Plan N leaves you paying

Everything else Plan G covers, Plan N covers too: the Part A hospital deductible, Part B coinsurance after the copays, skilled nursing, hospice, blood, and 80% of foreign travel emergencies.

When Plan N comes out ahead

Plan N wins when the premium saving over a year is bigger than the copays you'll actually pay. With twelve months of premium difference on one side and $20 a visit on the other, someone who sees a doctor a handful of times a year usually comes out ahead with N. Someone managing a chronic condition with frequent specialist visits often doesn't. Our Plan G vs Plan N guide calculates the break-even for each insurer we compare that sells both.

Excess charges in Washington

Washington doesn't ban Part B excess charges, but most Washington doctors accept Medicare assignment, so excess charges are uncommon. You can ask any provider "Do you accept Medicare assignment?" before an appointment. If they say yes, there's no excess charge.

Switching later

If you start with Plan N and your health changes, Washington lets you move from Plan N to Plan G (or any Plan B through N) at any time with no health questions. That rule makes Plan N less of a gamble here than in states where switching up requires medical underwriting.

Plan N prices from Washington insurers

Medicare Supplement Plan N, monthly premium in Washington

Age 65+, monthly bank draft. Washington OIC chart current as of October 8, 2026.

USAAUSAA eligibility required
$194
State Farmsold through State Farm agents
$239
UnitedHealthcare (AARP)AARP membership required
$265
$294
InsurerMonthlyYearlyWhere it sellsRate effective
First Health Life & Health$189$2,268All 39 countiesOctober 1, 2026
Insurance Company of North America$191$2,292All 39 countiesNew on chart
Washington National Insurance Company$192$2,304All 39 countiesSeptember 1, 2026
Bankers Reserve Life Insurance Co of Wisconsin$194$2,328All 39 countiesApril 1, 2026
USAA
USAA eligibility required
$194$2,328All 39 countiesAugust 1, 2026
Premera Blue Cross$215$2,58038 countiesApril 1, 2026
Regence BlueCross BlueShield of Oregon$223$2,6761 countiesJanuary 1, 2026
Medco Containment Life$226$2,712All 39 countiesAugust 1, 2026
GPM Health & Life$239$2,868All 39 countiesFebruary 1, 2026
State Farm Insurance
sold through State Farm agents
$239$2,868All 39 countiesMay 1, 2026
United American Insurance Company$242$2,904All 39 countiesJanuary 15, 2026
Regence BlueShield$244$2,92822 countiesApril 1, 2026
United World Life Insurance Company$265$3,180All 39 countiesAugust 1, 2026
UnitedHealthcare Insurance Company
AARP membership required
$265$3,180All 39 countiesJune 1, 2026
HumanaDental Insurance Company$267$3,204All 39 countiesFebruary 1, 2026
Asuris Northwest Health$294$3,52816 countiesApril 1, 2026
Age 65+, monthly bank draft. Washington OIC approved Medigap chart, current as of October 8, 2026. Premiums change; confirm with the insurer before you apply.

Not every insurer sells everywhere. Premera sells this plan in 38 counties. Regence BlueCross BlueShield of Oregon sells this plan in 1 county. Regence BlueShield sells this plan in 22 counties. Asuris sells this plan in 16 counties. Check your county page for the list that applies to you.

What Plan N covers next to other plans

BenefitNGFA
Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end100%100%100%100%
Part A hospice care coinsurance or copay100%100%100%100%
Part B coinsurance or copay (the 20%)100%*100%100%100%
Medicare preventive care Part B coinsurance100%100%100%100%
First 3 pints of blood100%100%100%100%
Skilled nursing facility care coinsurance100%100%100%–
Part A deductible100%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––––
100% = the plan pays the full benefit. – = not covered. Plan N pays the Part B coinsurance except copays of up to $20 for some office visits and up to $50 for ER visits that don't lead to an inpatient admission. Plans K and L pay 100% after the yearly out-of-pocket limit and the Part B deductible. 2026 amounts: Part A deductible $1,736, Part B deductible $283, high-deductible F and G deductible $2,950. Plans C and F: only for people first eligible for Medicare before Jan. 1, 2020. Source: OIC/SHIBA standardized plan chart, 2026.

Common questions

What is the cheapest Plan N in Washington?

On the OIC chart current as of October 8, 2026, the lowest Plan N premium among the insurers we compare is $189 a month from First Health Life & Health.

Does my age change the Plan N 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 N in Washington?

16 insurers have an approved Plan N premium on the current OIC chart. Some sell only in certain counties.

Sources

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