Find 2019 Medicare Plans in Washington - WA Medicare Insurance Overview

Medicare Insurance in Washington

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Washington Medicare Insurance

Washington Medical Insurance Stats

Medicare in Washington

Medicare offers healthcare coverage to Washington residents age 65 or older, or to those Washington residents that suffer from certain medical disabilities. In 2016, 1,177,000 people are enrolled in Medicare in Washington, accounting for 16.4% of the population in Washington. About $8,497 was spent per Medicare enrollee in Washington in 2009, approximately 18.02% lower than the national average of $10,365. Between 2015 to 2030 the number of seniors in Washington is expected to rise by an estimated 61.98% according to calculations based off of the 2000 Census. Thus, the number of residents enrolled in Medicare is also projected to significantly increase.

Local Medicare Resources

Medicare beneficiaries, their families, and their caregivers can receive free, one-on-one, unbiased health insurance counseling through Washington’s Statewide Health Insurance Benefits Advisors (SHIBA). Residents can also participate in Senior Medicare Patrol (SMP), a program which aims to educate and also empower Medicare beneficiaries to identify, avoid, and report potential cases of healthcare errors, waste, fraud and/or abuse.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they qualify for financial assistance. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Many Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

Washington 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Washington is $83.35, 33.4% greater than the national average of $62.48. 15.57% of 2017 Medicare Part C insurance plans in Washington have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Washington the average annual drug deductible for Medicare Part C insurance plans with drug components is $152. 42.7% of 2017 Medicare Part C insurance plans with a drug component in Washington have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Washington is $69.39. 16.95% of 2017 Medicare Part C insurance plans without a drug component in Washington have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Washington is $5,327.25. 15.16% of 2017 Medicare Advantage plans in Washington had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Washington was 4 stars in 2017.
  • Among Washington's 2017 Medicare Advantage plans with CMS star ratings:
    • 3.28% earned a score of 5 stars
    • 57.38% earned a score of 4 or 4.5 stars
    • 39.34% earned a score of 3 or 3.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

There are 26 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Washington. Of these, the companies that offer the largest variety of plans to choose from are Humana, Health Alliance Medicare, and Kaiser Permanente. In Washington,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Washington:

Humana

22 Plans

Providence

6 Plans

Aetna

6 Plans

PacificSource Medicare

5 Plans

WellCare

3 Plans

Health Net

3 Plans

Cigna

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

REGENCE BLUESHIELD OF IDAHO AND REGENCE BC BS UTAH

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Regence BlueShield Of Idaho

1 Plans

Regence BlueCross BlueShield of Oregon

1 Plans

Regence BlueCross BlueShield of Oregon

1 Plans

Amerigroup

1 Plans

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan.