Medicare Supplement

Medigap in Spokane: which plan letters Washington sells and how they work with Original Medicare

If you have Original Medicare and live in Spokane, a Medicare Supplement policy — called Medigap — is the piece that helps pay some of what Parts A and B leave behind. Washington uses the same standardized plan letters the federal government sets, so a Plan G from one company covers the same core benefits as a Plan G from another. What can differ is the price and the company selling it, not the federal coverage inside the letter.

Medicare SupplementSpokane, WA

The Medigap picture in Spokane

Spokane is in Spokane County, and Medigap policies are regulated at the state level, so the letters and insurers listed for Washington apply here.

Which plan letters you can buy in Washington

Medigap is standardized by the federal government in 47 states, including Washington. (Massachusetts, Minnesota and Wisconsin standardize differently.) That means the benefits inside a Plan G, a Plan N or a Plan K are the same no matter which company sells it.

Newly eligible enrollees today can choose from Plans A, B, D, G, G-HD (a high-deductible version of G), K, L, M and N. Plans C and F are only available to people who were eligible for Medicare before January 1, 2020, because both plans cover the Part B deductible and federal law now bars new plans from doing that.

Each letter is a different mix of cost-sharing help. Some cover nearly everything after Medicare pays; others share more costs with you in exchange for a lower premium. Two people with the same plan letter get the same federal benefits — that is the whole point of standardization.

How Medigap fits with Original Medicare and Part D

Medigap is designed to sit next to Original Medicare (Part A and Part B). Medicare pays first, your Medigap policy pays its share of what's left, and you generally pay any remaining copay, coinsurance or deductible depending on the letter you picked.

A Medigap policy does not include prescription drug coverage. If you want drug coverage, you typically add a stand-alone Medicare Part D plan. For 2026, Part D has a $2,100 annual out-of-pocket cap on covered drugs and a maximum deductible of $615. The old coverage gap ("donut hole") was eliminated in 2025, so Part D now has three phases instead of four. If your drug costs are lumpy through the year, you can also ask your Part D plan about the Medicare Prescription Payment Plan, which spreads your share into monthly bills.

Medigap and Medicare Advantage do not work together. You pick one lane — Original Medicare (often with Medigap and Part D) or Medicare Advantage — not both.

The insurers selling Medigap in Washington

The table below lists every company offering Medigap in Washington and the plan letters each one sells. A few names to know from that list: AARP - UnitedHealthcare Insurance Company, Bankers Life (Underwritten by Washington National Insurance Company), GPM Health and Life Insurance Company, Humana (HumanaDental Insurance Company), Mutual of Omaha (United World Life Insurance Company), Premera Blue Cross, Regence BlueShield, State Farm Mutual Automobile Insurance Company and USAA Life Insurance Company. Some companies sell nearly the full menu of letters; others sell a shorter list.

Because the letter is standardized, the shopping question is usually not "which company has the best Plan G?" but "which company will sell me the letter I want at a price and with service I'm comfortable with?" Washington's Office of the Insurance Commissioner publishes rate guides that can help you compare.

State rules and enrollment rights that shape the choice

Federal law gives you a one-time Medigap Open Enrollment Period: six months that starts the month you are 65 or older and enrolled in Part B. During that window, any company selling Medigap in Washington must sell you a policy without asking health questions. Miss that window and, in most cases, insurers can use medical underwriting — meaning they can charge more or turn you down based on health — unless a guaranteed-issue right applies.

Washington also has state-specific protections that can go beyond federal minimums, and those rules change from time to time. Before you switch policies or drop one you already have, check the current rules with the Washington State Office of the Insurance Commissioner or the state's SHIBA program (Washington's SHIP), which offers free one-on-one counseling.

Two more dates worth knowing, even though they apply to Medicare Advantage and Part D rather than Medigap: the Annual Enrollment Period runs October 15 through December 7, and the Medicare Advantage Open Enrollment Period runs January 1 through March 31. If you plan to move from Medicare Advantage back to Original Medicare and add Medigap, those windows matter for the Advantage side of the move.