Medicare Supplement Plans in Washington DC

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 10/09/2018

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There are over 75,000 beneficiaries of Original Medicare in Washington DC in 2018, according to the Centers for Medicare and Medicaid Services (CMS). If you’re one of these Medicare beneficiaries you may be eligible for a Medicare Supplement plan to help cover some of your Medicare out-of-pocket costs.

Keep in mind that Medicare Supplement plans in Washington DC only work with Original Medicare; they cannot be used along with a Medicare Advantage plan.

Why would I need a Medicare Supplement plan in Washington DC?

Original Medicare (Part A and Part B) generally covers a variety of hospital and medical costs, including but not limited to inpatient hospitalization, surgeries, doctor visits, and durable medical equipment like wheelchairs and walkers. However this coverage generally isn’t free. After receiving medical care you may be responsible for thousands of dollars out-of-pocket costs including copayments, coinsurance, and deductibles.

A Medicare Supplement plan may cover all or part of these copayments, coinsurance and deductibles. Keep in mind that Original Medicare also has no out-of-pocket maximum, meaning there is potentially no limit on the costs you may be responsible for. Some Medicare Supplement plans in Washington DC have out-of-pocket maximums which can protect you from unknown costs.

How do I compare Medicare Supplement plans in Washington DC?

There are up to 10 lettered Medicare Supplement plans available in Washington DC: A, B, C, D, F, G, K, L, M and N. Medicare Supplement plans in Washington DC are offered by private insurance companies but are standardized by Medicare. “Standardized” means that all plans of the same letter offer the same basic benefits, regardless of which company offers the plan.

All Medicare Supplement plans must provide basic benefits as follows:

  • Hospital coinsurance and costs up to an additional 365 days after your Medicare Part A hospital benefits have run out.

At least a portion, if not all of the cost related to

  • Medicare Part A hospice coinsurance or copayment
  • Medicare Part B coinsurance or copayment
  • The first three pints of blood received in the hospital

Beyond covering these basic benefits, Medicare Supplement plans in Washington DC may provide other benefits including:

  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B excess charge
  • Foreign travel emergency up to plan limits

Compare Medicare Supplement plans in Washington DC with this Medicare Supplement plan comparison chart.

Companies that offer Medicare Supplement in Washington DC are free to set their premiums, so plan cost may vary from insurer to insurer.

When can I buy Medicare Supplement plans in Washington DC?

If you’re age 65 or older and buy a Medicare Supplement plan within six months of enrolling in Medicare Part B, you receive certain protections when buying Medicare Supplement in Washington DC. Importantly, a Medicare Supplement insurer cannot turn you down or charge you a higher premium because of health problems you may have. This period of protection is called your Medicare Supplement Open Enrollment Period. In addition, the Medicare Supplement plan you buy is typically renewable each year, as long as you continue to pay your Medicare Supplement plan premium.

If you wait until after your Medicare Supplement Open Enrollment Period, or drop a Medicare Supplement plan and later decide to buy another Medicare Supplement plan in Washington DC, you may have difficulty getting Medicare Supplement insurance. Or you may have to pay a higher premium for coverage. Insurance companies may consider your age and health condition to make decisions about whether or not they will accept your application for coverage and what premium they will charge. Medicare beneficiaries under 65 typically are not granted a Medicare Supplement Open Enrollment Period.

What else should I know about Medicare Supplement plans in Washington DC?

  • A Medicare Supplement plan covers only one individual. Married couples who want Medicare Supplement plan coverage must apply for coverage separately, but they do not have to choose the same Medicare Supplement plan in Washington DC.
  • Medicare Supplement plans generally don’t cover long-term care, dental care, vision care, hearing aids, eyeglasses, or private-duty nursing. Plans sold after January 1, 2006, typically don’t cover prescription drug coverage. For prescription drug coverage, you might want Medicare Part D Prescription Drug coverage.
  • Medicare Supplement plans don’t cover Medicare premiums, so you may still be responsible for your Part A premium, Part B premium, and Medicare Part D premium.

To begin looking for Medicare Supplement plans in Washington DC today, enter your zip code on this page.

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