Medicare Supplement Plan B in Washington
Plan B is Plan A plus the Part A hospital deductible. Few Washington insurers sell it, but it's one of only two Medigap options for people on Medicare under 65.
- Insurers selling it in WA
- 3
- Lowest monthly premium
- $215
- Middle (median) premium
- $284
- Highest monthly premium
- $332
- Yearly gap, lowest to highest
- $1,404
What Plan B covers
Everything in Plan A, plus the Part A deductible ($1,736 per benefit period in 2026). It doesn't cover skilled nursing coinsurance, the Part B deductible, excess charges or foreign travel.
Plan B for people under 65
Washington doesn't require insurers to sell Medigap to people on Medicare because of a disability or end-stage renal disease. On the current state chart, United American sells Plan B to under-65 beneficiaries, and the Washington Health Care Authority's Premera plan offers Plan G. Under-65 premiums are much higher than the 65+ rates. See our under-65 guide.
Plan B vs Plan G for 65+
For people 65 and older, compare Plan B's premium with the insurer's own Plan G. Plan G adds skilled nursing coinsurance, excess charges and foreign travel. When the difference is small, Plan G is usually the better buy.
Plan B prices from Washington insurers
Medicare Supplement Plan B, monthly premium in Washington
Age 65+, monthly bank draft. Washington OIC chart current as of October 8, 2026.
| Insurer | Monthly | Yearly | Where it sells | Rate effective |
|---|---|---|---|---|
| First Health Life & Health | $215 | $2,580 | All 39 counties | October 1, 2026 |
| United American Insurance Company | $284 | $3,408 | All 39 counties | January 15, 2026 |
| UnitedHealthcare Insurance Company AARP membership required | $332 | $3,984 | All 39 counties | June 1, 2026 |
What Plan B covers next to other plans
| Benefit | B | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | – | 100% | 100% | 100% |
| Part A deductible | 100% | 100% | 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 | – | – | – | – |
Common questions
What is the cheapest Plan B in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan B premium among the insurers we compare is $215 a month from First Health Life & Health.
Does my age change the Plan B 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 B in Washington?
3 insurers have an approved Plan B premium on the current OIC chart. Some sell only in certain counties.