Medicare in Washington

Washington gives Medicare beneficiaries more flexibility than most states. State rules here provide year-round or recurring opportunities to enroll in or switch Medigap coverage with limited or no medical underwriting. The specifics, which plans, which carriers, and which windows, are set by state regulators, so it pays to confirm the current rules before you make a move.

Pinnacle Insurance Advisors is licensed in Washington. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Washington clients work with us entirely by phone.

Washington's flexibility applies once you already own a Medigap plan. State guidance says people enrolled in plans B through N can switch at any time to another B through N plan, and Plan A enrollees can move between Plan A offerings. People switching from other kinds of coverage may need to pass a written health screening questionnaire, so the path in matters.