Medicare Plans in Washington State
Compare Options for 2026
As an independent Washington Medicare advisor, I compare plans from Premera, Regence, Kaiser, UHC, Aetna, Humana, and 15+ more carriers — so you get the right coverage for your doctors, prescriptions, and budget.
Medicare in Washington State: What You Need to Know for 2026
Washington State has one of the most competitive Medicare markets in the nation, especially in the greater Seattle-Tacoma metro area. Over 45% of Washington Medicare beneficiaries have enrolled in Medicare Advantage, attracted by robust plan benefits and low premiums. Inland Washington (Spokane, Tri-Cities, Yakima) offers a different set of plan options — an independent advisor helps you navigate both markets. Your doctor network, prescription list, and county of residence all determine which plan delivers the best value.
Medicare Advantage
Many Washington plans offer $0 premiums with dental, vision, hearing, and fitness benefits. Popular carriers: Premera Blue Cross, Regence BlueShield, Kaiser Permanente, UnitedHealthcare, Aetna, Humana.
Best for: Those who want all-in-one coverage
Medicare Supplement (Medigap)
Washington offers guaranteed issue rights during your Open Enrollment period. Plans G and N are most popular for their comprehensive coverage. Use any doctor or hospital nationwide that accepts Medicare.
Best for: Those who travel or want maximum flexibility
Part D Drug Plans
Stand-alone Part D plans available statewide. Washington's SHIBA (Statewide Health Insurance Benefits Advisors) program offers free counseling. The Extra Help (Low Income Subsidy) program can dramatically cut your drug costs.
Best for: Those on Original Medicare needing drug coverage
Washington Cities & Service Areas
Rodney Cummings serves Medicare beneficiaries across all of Washington State, including:
Washington Medicare Key Dates for 2026
- 📅 Open Enrollment: Oct 15 – Dec 7, 2025 (for 2026 coverage)
- 🎂 Turning 65? Your Initial Enrollment Period begins 3 months before your birthday month
- ⚠️ Late enrollment penalty: 10% per year on Part B if you don't enroll on time
- 💡 PEBB/SEBB retirees: Coordination rules with employer coverage — call us before changing plans
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