Medigap (Medicare Supplement) Plans in Washington

Medigap policies are sold by private insurance companies and supplement Original Medicare (Parts A and B) by paying some of the out-of-pocket costs Medicare doesn't cover (copays, coinsurance, deductibles). Medigap plans do NOT include prescription drug coverage, beneficiaries who want drug coverage need a separate Part D plan. There are 10 standardized federal plan letters; the Washington Office of the Insurance Commissioner publishes the list of approved plans and monthly premiums. Washington state law gives consumers stronger switching rights than the federal default: once enrolled in a Medigap plan B through N, you can switch to any other Medigap plan B through N at any time without taking a written health screening; if you have a Plan A you can switch to any other Plan A on the same terms.