Washington · 2027 plan year

Medicare Advantage PPO plans in Washington

There are 31 Medicare Advantage PPO plans in Washington from 7 carriers, averaging 4.11 out of 5 stars across the 27 plans CMS has rated. 54% of those with a published premium charge $0 a month (17 of 31); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.

31
PPO plans
7
Carriers
38
Counties covered
4.1
Avg stars (27 of 31 rated)
$7,150
Median out-of-pocket max

Across the 31 PPO plans in Washington that publish one, the in-network out-of-pocket maximum has a median of $7,150 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,705, which sits above the median — the spread is not symmetric, so the median is the better guide.

A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Washington has 2 five-star Medicare Advantage PPO plans.

Of the 31 PPO plans here, 2 carry CMS's top overall rating of 5 stars and 21 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.

Washington PPO plans rank 10th of 51 on star rating.

Across the 27 rated plans here the average overall rating is 4.11 stars, 10th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in Washington

Showing 5 of 31. See all WashingtonMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.104.67
HumanaHumana Inc.64.2—
Aetna MedicareCVS Health Corporation44.0—
Devoted HealthDevoted Health, Inc.4—2
Regence BlueCross BlueShield of OregonCambia Health Solutions, Inc.43.5—
WellcareCentene Corporation23.0—
Regence BlueShieldCambia Health Solutions, Inc.14.0—
Other plan types in Washington

How PPO compares

All WashingtonMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Common questions

Washington Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in Washington?
Of the Washington PPO plans with a published premium, 55% charge $0 a month. The monthly premium is what you pay the plan for its medical (Part C) and drug (Part D) coverage together. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, with a median of $7,150 across these plans.
What are the star ratings for Washington PPO plans?
The 27 rated PPO plans in Washington average 4.11 out of 5 stars, with 21 rating 4 or better and 2 rating a full 5. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Washington?
There are 31 PPO plans from 7 carriers, sold across 38 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 9 of them are Special Needs Plans with extra eligibility rules (see below).
Do Washington PPO plans include prescription drug coverage?
25 of the 31 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage, and you pay one monthly premium to the plan — but that premium has a medical (Part C) part and a drug (Part D) part, and the drug part is often what makes it more than $0. Each plan's page shows both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Washington?
9 of the 31 PPO plans in Washington are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Washington Medicare Advantage plans.

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