Best Ellensburg, Washington Medicare Companies & Plans (2024)

While individual preferences may vary, some of the top Medicare companies in Ellensburg, Washington, include:

• Blue Cross Blue Shield (BCBS): BCBS offers a range of Medicare Advantage and Medicare Supplement plans, providing comprehensive coverage options.
• UnitedHealthcare: UnitedHealthcare offers a variety of Medicare Advantage plans with different coverage levels and additional benefits.
• Aetna: Aetna offers Medicare Advantage plans, prescription drug coverage, and Medicare Supplement plans.
• Kaiser Permanente: Kaiser Permanente provides Medicare Advantage plans with integrated healthcare services, including hospital and medical coverage, prescription drugs, and more.
• Humana: Humana offers Medicare Advantage plans, prescription drug coverage, and Medicare Supplement plans.

When selecting a Medicare plan in Ellensburg, Washington, it’s important to consider the following factors:

• Coverage: Assess the specific healthcare services and prescription drugs covered by the plan to ensure they meet your needs.
• Cost: Compare premiums, deductibles, copayments, and out-of-pocket maximums to understand the financial implications of each plan.
• Network: Determine whether your preferred doctors, hospitals, and specialists are included in the plan’s network.
• Prescription drugs: If you take medications regularly, review the plan’s formulary to ensure your prescriptions are covered.
• Additional benefits: Some plans offer extra benefits like dental, vision, or fitness programs, which may be important to you.

In Ellensburg, Washington, you can typically find the following types of Medicare plans:

• Medicare Advantage (Part C) plans: These are offered by private insurance companies approved by Medicare. They combine Medicare Part A (hospital insurance) and Part B (medical insurance) benefits into a single plan. Many Medicare Advantage plans also include prescription drug coverage (Part D) and additional benefits.
• Medicare Supplement (Medigap) plans: Medigap plans work alongside Original Medicare (Part A and Part B) and help cover the out-of-pocket costs, such as deductibles, copayments, and coinsurance. These plans are also provided by private insurance companies.
• Medicare Part D plans: These standalone prescription drug plans help cover the cost of prescription medications. They can be added to Original Medicare or included in some Medicare Advantage plans.

Yes, you can change your Medicare plan in Ellensburg, Washington, during certain enrollment periods. The main enrollment periods to consider are:

• Initial Enrollment Period (IEP): This is the seven-month period that begins three months before your 65th birthday month, includes your birthday month, and extends three months after.
• Annual Enrollment Period (AEP): Occurring from October 15th to December 7th each year, this period allows you to switch Medicare Advantage or Part D plans.
• Medicare Advantage Open Enrollment Period (MA OEP): This runs from January 1st to March 31st. During this period, you can switch from one Medicare Advantage plan to another or return to Original Medicare.