Medicare Supplement plans
Medicare allows private insurance companies to offer supplemental health insurance known as "Medigap" or "Med Supp" plans. There are 12 types of standardized Medigap plans (named with letters A through N) and each plan has different benefits. For people who have Original Medicare, Medigap plans help "fill the gaps" in A and B coverage by paying some of the coinsurance, copayments, and/or deductibles for services Medicare considers medically necessary, as well as other services not covered by Medicare.
You can enroll in a Medigap plan if you have Medicare Parts A and B. Enrolling in Part B triggers a 6-month Medigap open enrollment period during which you cannot be denied coverage because of a pre-existing condition.
Keep in mind, Medigap plans do not include prescription drug coverage. If you want drug coverage, you'll need to also enroll in a stand-alone Medicare Part D prescription drug plan.
For more information about Medigap, see Medicare Supplement Insurance (Medigap).
Employer group Medicare retiree plans
Employers may offer group coverage for their retired employees who have Medicare. Depending on the plan, the benefits can be a combination of an active employee plan and Medicare Advantage plan or a Medicare Supplement (Medigap) plan and may offer more comprehensive benefits than Original Medicare. Plan structures vary widely and once a beneficiary leaves the plan, they may not be able to re-enroll. If you think you're eligible for retiree health benefits, contact your employer or retiree benefits administrator for further information.
Learn about Medicare plans for group, state, and federal employees
If you are becoming eligible for Medicare and your employer offers a group retiree Medicare Advantage plan through Kaiser Permanente Washington, call us at 1-800-581-8252 or TTY WA Relay 711, from 8 a.m. to 5 p.m., Monday through Friday.
PEBB and FEHB members can also find information online:
- PEBB (Public Employees Benefits Board) Program health plans
- FEHB (Federal Employees Health Benefits) Program health plans
Key Medicare enrollment dates
Medicare Annual Enrollment Period (AEP)
October 15 through December 7
Medicare Initial Coverage Election Period (ICEP)
65th birthday month + 3 months before and after
Medicare Advantage Open Enrollment Period (OEP)
January 1 through March 31
Medicare Star Quality Ratings
Our Medicare Advantage health plan in Washington was rated 4.5 out of 5 stars for 2018. Our 4.5 out of 5 star rating is based on quality, service, and member satisfaction, so you get the peace of mind that comes with knowing you're getting high-quality care. 1
NCQA Quality Rating
Kaiser Permanente Washington Medicare Advantage (HMO) plan was rated 5 out of 5 in the National Committee for Quality Assurance (NCQA) Medicare Health Insurance Plan Ratings 2017-2018.2