Medicare Supplement Plan C in Washington
Plan C pays the Part B deductible, which no plan sold to new Medicare beneficiaries can do. Only people first eligible for Medicare before January 1, 2020 can buy it.
- Insurers selling it in WA
- 7
- Lowest monthly premium
- $320
- Middle (median) premium
- $390
- Highest monthly premium
- $475
- Yearly gap, lowest to highest
- $1,860
Who can buy Plan C
Federal law stopped the sale of Medigap plans that cover the Part B deductible to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, even if you didn't enroll then, you can still apply for Plan C.
Plan C vs Plan G
Plan C covers the Part B deductible ($283 in 2026). Plan G doesn't, but Plan G covers Part B excess charges, which Plan C doesn't. Compare the yearly premium difference with $283. If Plan C costs more than $283 a year above Plan G from the same insurer, Plan G is the better buy and has the added excess-charge protection.
Already have Plan C?
Washington lets you switch from Plan C to any Plan B through N at any time, with no health questions. If your Plan C premium has climbed, moving to another insurer's Plan G can save money without underwriting.
Plan C prices from Washington insurers
Medicare Supplement Plan C, 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 |
|---|---|---|---|---|
| United American Insurance Company | $320 | $3,840 | All 39 counties | January 15, 2026 |
| Premera Blue Cross | $328 | $3,936 | 38 counties | April 1, 2026 |
| Regence BlueCross BlueShield of Oregon | $347 | $4,164 | 1 counties | January 1, 2026 |
| UnitedHealthcare Insurance Company AARP membership required | $390 | $4,680 | All 39 counties | June 1, 2026 |
| Regence BlueShield | $395 | $4,740 | 22 counties | April 1, 2026 |
| State Farm Insurance sold through State Farm agents | $409 | $4,908 | All 39 counties | May 1, 2026 |
| Asuris Northwest Health | $475 | $5,700 | 16 counties | April 1, 2026 |
Not every insurer sells everywhere. Premera sells this plan in 38 counties. Regence BlueCross BlueShield of Oregon sells this plan in 1 county. Regence BlueShield sells this plan in 22 counties. Asuris sells this plan in 16 counties. Check your county page for the list that applies to you.
What Plan C covers next to other plans
| Benefit | C | 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% | 100% |
| Part A deductible | 100% | 100% | 100% | 100% |
| Part B deductible | 100% | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – |
Common questions
What is the cheapest Plan C in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan C premium among the insurers we compare is $320 a month from United American Insurance Company.
Does my age change the Plan C 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 C in Washington?
7 insurers have an approved Plan C premium on the current OIC chart. Some sell only in certain counties.
Can I still buy Plan C?
Only if you were first eligible for Medicare before January 1, 2020. People who became eligible on or after that date cannot buy Plans C, F or high-deductible F.