Medicare 2020 Plan Options


It is the time of year when:

  • If you are not currently enrolled in either a Medicare Advantage Plan (Part C) or a Medicare Prescription Drug Plan (Part D) you can enroll, and you cannot be declined.
  • If you are already enrolled in a plan you can switch to a different plan or company.

Please note with Medicare Advantage (Part C) there are no restrictions regarding pre-existing conditions.

Medicare is Medical Insurance for people age 65 and above and certain people who have been receiving Social Security Disability Insurance for longer than 2 year.

If you are happy with your current plan unless you’ve received specific notification from your Insurance Company there is nothing for you to do, your coverage will automatically renew.

However, if you have not already, I encourage you to review your Annual Notice of Changes (ANOC). Every year plans make many changes and it is important that you are aware of these changes, no one likes to be surprised.

Did you know that in 2020 there will be plans that cover Massage, Acupuncture, Naturopaths and Chiropractic? Or plans with $0 PCP copays, transportation benefits, offer Over-the-Counter Items, and Silver Sneakers.

There are also changes to Doctor networks, and Drug formularies, so it is important that you take a few minutes to review these changes.

Every year I am required to go thru considerable training and recertification to explain these plan changes, and I’ve been helping people since 1993, so I have the expertise to answer your questions.

If you have friends, relatives or neighbors that have questions regarding their Medicare Benefits please share my name with them and ask them to give me a call. I will be happy to help.

Since I am a broker, I am not tied to any one company so I can offer you advice based on your particular needs and concerns.

Here is brief synopsis of some of the plan options available in 2020


Has done some great plan changes 2020 –

    a. Added the Primary PPO with a $38/mth premium and they also lowered the premiums on the other PPO plans they offer. They also offer some very competitive HMO plans
    b. Get up to 18 Alternative Care visits can be used for Chiropractic, Acupuncture, or Naturopath.
    c. Massage is now available (6 visits pcy with $20 copay) not available in Whatcom County

For more information or to enroll – Click Here


Has made some nice changes for 2020. They offer 4 plans options 2 HMO and 2 PPO. Plans include coverage for Naturopathic and Chiropractic. They offer generous dental not restricted to 2 cleanings. For snowbirds they offer a very attractive travel benefit.

For plan information

Aetna 2020 HMO Value Plus.pdf

Aetna 2020 HMO Platinum Plus.pdf

Aetna 2020 PPO Choice.pdf

Aetna 2020 PPO Select.pdf

Click here to enroll


has remained a strong provider of coverage. Always one of my favorite providers.

  • $0 copay for PCP Office Visits
  • $0 copay for 90 days’ supply of mail order generic drugs
  • Acupuncture/Naturopath/Chiropractic
  • Vision
  • Hearing
  • Silver Sneakers
  • $75 every 3 months for Over the Counter Drugs

For plan information

Humana 2020 Gold HMO $0 (King).pdf

Humana 2020 Gold HMO $0 (Snohomish).pdf

Humana 2020 Gold HMO $0 (Pierce).pdf

Humana 2020 PPO.pdf

Click here to enroll


You can’t go wrong with Premera a welcome name in the Pacific Northwest. Offering 7 plan choices and one of the largest provider networks they are a strong provider

For more information or to enroll – Click Here


Many are in love with the simplicity of vertical integration. Offering 4 plans with prescription drug coverage and one without.

For more information or to enroll – Click Here


Most Medicare plans are very similar, only the additional benefits vary. Amerigroup offers many additional benefits that make them different than the others. Here are a few:

  • Vision
  • OTC coverage
  • Personal Emergency Response System
  • Hearing
  • SilverSneakers®
  • Prescription Drugs
  • LiveHealth Online
  • Routine Physical Exam

For more information or to enroll – Click Here


Has entered Washington state with a couple of exciting plan option with a very generous benefits. They also offer a $0 premium PPO for people that don’t like to get referrals

  • Dental Services - The dental benefits on this plan include coverage of preventive and comprehensive services up to $1000, including but not limited to cleanings, x-ray(s), oral exams, fluoride treatments, fillings, dentures or a bridge or a crown and a root canal.
  • Hearing Services -The hearing benefits on this plan cover, but are not limited to, routine hearing exams, hearing aid fittings and evaluations, and up to $2000 for 2 hearing aids per year with a maximum of $1000 per ear.

For more information or to enroll – Click Here


Do you receive both Medicare and Medicaid?

There are plans designed for you. You will not pay more for services than you currently pay, you just get a bunch of additional services and it is so much easier to find a doctor with one of these plans versus straight Medicaid.

offer excellent plans with many additional benefits like

  • Dental & Vision,
  • Over the Counter Items (an extra $1,200/yr)
  • Transportation
  • & More

Click here for more information or to enroll

Medicare Supplement / Medigap Plans

Medicare Supplement’s are not Medicare Advantage Plans.

    They often have lower out of pocket maximum cost than Medicare Advantage Plan.
    They do not have provider networks, so your doctor is never out of network
    They do not include Prescription Drug Coverage or many of the extra benefits provided in Medicare Advantage
    Typically, they have higher monthly premiums than Medicare Advantage.

Plan F – all medical/doctor cost are paid, you pay nothing. 

Plan G – all medical/doctor cost are paid except the Medicare Part B deductible of $183

High Deductible Plan F – all medical/doctor cost are paid after you pay $2,240 deductible.

Rates vary by company, would you like a quote?

Medicare Part D

Medicare prescription cost can vary widely. Why not send me your list of drugs to determine if you are with the best plan? Click Here to send list