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Washington Medicare Supplement Health Insurance
Washington Medicare Insurance has been providing Medicare & MedAdvantage education, planning, and products since 1992. Our firm has carefully researched Washington's Medicare & MedAdvantage policies and can help you determine which Medicare Options are most appropriate and will provide the best long-term financial security for your specific situation.
We offer low cost:
Provide Medicare & MedAdvantage Insurance information to the people of Washington.
Help consumers determine what type of coverage is appropriate for them, individually.
Locate cost-effective plans according to our clients' needs.
Help create an action plan that's right for you
I just needed someone to answer my questions. WHI was there for me when I needed them the most!
Helen H. Spokane, WA
They took the time to explain our options and helped us make a great decision. Thank you!
Tom and Camille W. Seattle, WA
Medicare, the federal health insurance program that covers 48 million elderly and disabled Americans, has played a central role in the U.S. health system since it was established in 1965. Individuals become eligible for Medicare when they reach age 65, if they or their spouse made payroll tax contributions for 10 or more years. People under age 65 qualify for Medicare after 24 months of receiving Social Security Disability payments, or if they have end-stage renal disease or amyotrophic lateral sclerosis (Lou Gehrig's disease).
Medicare is divided into two parts: Hospital Insurance (Part A) and Medical Insurance (Part B). Part A helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care. Part B helps pay for doctor bills, outpatient hospital care and other medical services not covered by Part A. Your Medicare card shows the Medicare coverage you have; Hospital Insurance (Part A), Medical Insurance (Part B), or both, and the date your coverage started.
Enrollment in Medicare is handled in two ways: either you are automatically enrolled or you must apply.
If you are getting Social Security benefits before you turn 65, you are automatically enrolled and your Medicare card will be mailed to you about three months before your 65th birthday.
If you are not receiving retirement benefits, you must apply by contacting a Social Security Administration office or, if appropriate, the Railroad Retirement Board.
Click here to apply for your first Medicare Card.
You should apply three months before your 65th birthday to avoid a possible delay in the start of your coverage. If you have been a disabled beneficiary under Social Security or Railroad Retirement for 24 months, you will automatically get a Medicare card in the mail.
Medicare Advantage plans, also referred to as Part C plans, are part of the Medicare program for senior citizens and disabled adults who qualify. Private companies provide Medicare Advantage plans instead of the federal government, and these plans typically include the same Part A hospital, Part B medical coverage and Part D drug coverage that Medicare does, with the exception of hospice care. As of 2017, about one third of the Medicare participants were enrolled in a Medicare Advantage plan.
Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare pays the premiums for participants in Medicare Advantage plans.
Medicare is the basic health insurance plan Americans over 65 (and some younger for disability Medicare) rely on for the bulk of their health care needs. However, this care is limited, and Medicare supplemental insurance also known as Medigap is a means of extending coverage and reducing out-of-pocket expenses.
Medicare Part D
Medicare Parts A and B do not include prescription drug coverage. Medicare now provides coverage of an outpatient prescription drug benefit to all Medicare beneficiaries.
The new benefit, called Part D of the Medicare Program, is designed to lower the cost of prescription drugs for most senior and disabled Medicare beneficiaries.
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