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Washington, D.C. Medicare Supplement Plans in 2022


Medicare Supplement plans in Washington, D.C. pay secondary to Original Medicare. These plans cover the costs for which Medicare would otherwise leave the beneficiary responsible. Generally, the Medicare Supplement (Medigap) plans in Washington, D.C. are the same as in most states.

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You can use a Medicare Supplement plan nationwide. These plans do not require a network of doctors or referrals for coverage. Cost and other factors of the plans can vary slightly depending on carrier and location. However, all the health benefits Medicare Supplement plans offer are standardized by federal regulations. This means no matter where you reside – or which carrier you choose – plan benefits will be the same.

Below, we review Medicare Supplement plans available for beneficiaries in our nation’s capital.

The Best Medicare Supplement Plan in Washington, D.C

Washington, D.C. offers Medicare beneficiaries the opportunity to enroll in 12 different Medicare Supplement plans. However, not every beneficiary has the option to enroll in every plan.

Medicare Supplements in Washington, D.C. include ten lettered plans, A through N, and two high-deductible plans. Of the 12 plans available, three stand out as the best. Medicare Supplement Plan F, Medicare Supplement Plan G, and Medicare Supplement Plan N are the top plans in Washington, D.C.

Deciding which of these three plans is the best for you depends on the benefits you are seeking. Each plan offers a different level of coverage. Depending on your health care needs, any of these three plans could be best for you.

Medigap Plans F, G, and N in D.C.

If you visit the doctor or a hospital facility multiple times each month or have a chronic condition and would like your medical needs to be covered at 100%, Medicare Supplement Plan F might be the best plan for you. However, while providing the highest level of benefits, Medigap Plan F also comes with the highest monthly premium of the three plans.

Medicare Supplement Plan G may be your best option if you see doctors regularly, want great coverage, but also want to keep your premium costs down. With Medigap Plan G, beneficiaries are only responsible for the Medicare Part B deductible. After the deductible is satisfied, your plan completely covers the remainder of costs after Original Medicare pays.

Suppose you’re looking for an even lower premium and do not mind paying additional out-of-pocket costs, including copayments at the doctor and hospital. In that case, the Medicare Supplement Plan N may be best for you. This plan provides the ease of Medicare Supplement coverage without breaking the bank.

While all three of these plans are available in Washington, D.C., not all are available to new Medicare recipients. Keep in mind, only those who enrolled in Medicare Part A prior to January 1, 2020, are eligible for Medicare Supplement Plan F. If you enrolled in Medicare after January 1, 2020, you will not be eligible for this plan.

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Enrolling in a Medicare Supplement Plan in D.C.

Enrolling in a Medicare Supplement plan is very straightforward. There are only certain times you can enroll in a Medicare Supplement plan without answering underwriting health questions. The first is the Medicare Supplement Open Enrollment Period. This enrollment period begins on the first day of the month you turn 65. It allows beneficiaries a six-month period to enroll in a Medicare Supplement plan.

The second opportunity you have to enroll in a Medicare Supplement plan without underwriting health questions is when using a guaranteed issue right. The most common scenario is if you delay Medicare Supplement enrollment due to creditable coverage paying secondary to Medicare, then that coverage ends.

If you are outside of your Open Enrollment Period and do not qualify for guaranteed issue rights, you are still eligible to enroll in a Medicare Supplement plan. However, you will be subject to answering underwriting health questions. This means a carrier can deny your application due to pre-existing health conditions.

Medicare Supplement Plans Under 65 in Washington, D.C.

Typically, the age of eligibility for Medicare is 65. However, if you receive Social Security Disability Income for 24 months and are under age 65, you are eligible for Medicare. Many states require Medicare Supplement carriers to offer at least one plan to those under 65. However, since Washington, D.C. is not a state, they do not regulate Medicare Supplement plans.

The federal government does not require Medicare Supplement plans to be available to those under 65. Thus, Washington, D.C. does not require carriers to offer plans to those on disability.

Two carriers in Washington, D.C. voluntarily offer Medicare Supplement plans to those under 65. United American offers Medigap Plan B and High Deductible Medicare Supplement Plan F to those who qualify, and CareFirst offers Medicare Supplement Plan A, which provides the most basic Medigap benefits.

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How to Get Help with Medicare Supplement Plans in Washington, D.C.

You shouldn’t have to enroll in a Medicare Supplement plan alone. At MedicareFAQ, our licensed agents are here for you. We take the time to educate you on each option available to you and even guide you through the enrollment process.

To get started with an agent today, contact us at the number above or complete our online rate form for your personalized quotes.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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