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High-deductible Medicare Supplement Plan F in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
Plan F's full coverage after a $2,950 yearly deductible (2026). Only people first eligible for Medicare before 2020 can buy it.
- Insurers selling it in WA
- 3
- Sell in all 39 counties
- 3
- Regional insurers
- 0
- Who can buy it
- First eligible before 2020
How it works
You pay Medicare-covered costs up to the deductible, then the plan pays 100%, including the Part B deductible and excess charges. The deductible is $2,950 in 2026.
High-deductible F vs high-deductible G
Because both plans pay nothing until the deductible is met, and the Part B deductible counts toward it, the two designs pay out almost identically. High-deductible Plan G is open to everyone, so its pool stays younger. If you hold high-deductible F, compare it with high-deductible G from the same and other insurers. Washington lets you switch at any time with no health questions.
Who sells High-deductible Plan F in Washington
| Insurer | Where it sells | Health questions | Pre-existing condition wait |
|---|---|---|---|
| HumanaDental Insurance Company | All 39 counties | Yes, outside protected periods | Up to 3 months |
| Medco Containment Life | All 39 counties | Yes, outside protected periods | Up to 3 months |
| United American Insurance Company | All 39 counties | Yes, outside protected periods | Up to 3 months |
What High-deductible Plan F covers next to other plans
| Benefit | F | G | N | A |
|---|---|---|---|---|
| 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% | – |
| 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
Which insurers sell High-deductible Plan F in Washington?
3 insurers on the current OIC chart: HumanaDental, Medco Containment Life, United American. Some sell only in certain counties.
Does my age change the High-deductible Plan F 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.
Is High-deductible Plan F the same from every insurer?
Yes. Medigap plans are standardized by federal law, so the benefits are identical. Premiums, discounts and customer service differ.
Can I still buy High-deductible Plan F?
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.