Medicare Supplement Plan D in Washington
Plan D covers everything Plan G covers except Part B excess charges. Only a couple of Washington insurers sell it.
- Insurers selling it in WA
- 2
- Lowest monthly premium
- $305
- Middle (median) premium
- $307
- Highest monthly premium
- $309
- Yearly gap, lowest to highest
- $48
Plan D vs Plan G
The only benefit difference is Part B excess charges, which a doctor who doesn't accept Medicare assignment can bill at up to 15% over the Medicare-approved amount. Plan G pays them; Plan D doesn't.
Since excess charges are uncommon in Washington, Plan D can make sense when it's clearly cheaper than the same insurer's Plan G. On the current chart the gap is a dollar at one insurer, and at the other Plan D costs more than Plan G. That's why most buyers skip it.
What Plan D covers
Part A coinsurance and hospital days, the Part A deductible, skilled nursing coinsurance, Part B coinsurance, hospice, blood and 80% of foreign travel emergencies. You pay the Part B deductible.
Plan D prices from Washington insurers
Medicare Supplement Plan D, 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 | $305 | $3,660 | All 39 counties | January 15, 2026 |
| State Farm Insurance sold through State Farm agents | $309 | $3,708 | All 39 counties | May 1, 2026 |
What Plan D covers next to other plans
| Benefit | D | 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% |
| 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 D in Washington?
On the OIC chart current as of October 8, 2026, the lowest Plan D premium among the insurers we compare is $305 a month from United American Insurance Company.
Does my age change the Plan D 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 D in Washington?
2 insurers have an approved Plan D premium on the current OIC chart. Some sell only in certain counties.