Published · Last updated
Washington filing status: review pending
The Washington market and proposed product details are now public, but the plan is not yet approved or open for enrollment.
The rate filing was submitted on August 14, 2026. As of September 1, the Washington filing record still showed Review Pending. Every premium, discount, benefit and date below should be read as proposed and subject to change.
What was announced?
On August 18, 2026, national reporting described Costco and SCAN Group planning a limited expansion into jointly branded Medicare products. The report said the initial rollout would involve Medicare Advantage products in two states and a Medicare Supplement product in a third.
SCAN has since identified Washington for the co-branded Medicare Supplement portion of its planned rollout with Costco. For Spokane residents, that replaces our earlier "state not disclosed" status with a confirmed Washington market and confirms that the Medicare Supplement product is part of the Costco partnership. It is not a new confirmation of a Costco- and SCAN-branded Medicare Advantage plan in Spokane County.
The public Washington rate filing adds the first meaningful product details. It proposes standardized Medicare Supplement Plans A, G and N for a January 1, 2027 effective date, along with discounts and value-added benefits tied to Costco. Those details are useful for planning, but they are not final until the regulatory review is complete.
Proposed in the public filing
Plans, discounts and added benefits
These are the terms SCAN and Costco submitted for review. They help show how the product is intended to work, but they are not an offer of coverage and should not be quoted as final approved benefits.
- Standardized plans
- Plans A, G and N.
- Target effective date
- January 1, 2027.
- Household discount
- 7% for eligible members residing with a spouse, applied to both eligible members.
- Automatic-payment discount
- $2 per month for payment by automatic bank withdrawal.
- Costco membership
- An annual Costco membership, valued in the filing at $65 per household.
- Costco-only vision and hearing
- Up to $300 annually for eye exams and lenses, and up to $400 annually for hearing aids, available only at Costco.
The proposed Washington rate exhibits are also public, but the premiums remain under review. We will post and compare the final approved rates when the filing receives a disposition.
Do not mix Medicare Advantage benefits with this Medicare Supplement filing
Separate SCAN rollout materials for the broader Costco partnership mention a Costco Preferred Pharmacy network, rewards and incentive programs, grocery benefits for some chronically ill members, and a retail presence during Annual Enrollment. Those features are described with the Medicare Advantage rollout; they do not appear as benefits in the Washington Medicare Supplement filing reviewed for this article.
For the proposed Washington Medigap product, rely on the public filing: Plans A, G and N, the filed discounts, Costco membership, and the Costco-only vision and hearing allowances summarized above. Do not assume pharmacy, grocery, rewards or in-store enrollment features apply unless they appear in final Washington-approved documents.
Confirmed or filed
What we know
- SCAN has identified Washington for its planned co-branded Medicare Supplement rollout with Costco.
- The public rate filing, SERFF tracking number IASL-135055285, was submitted August 14, 2026 and remained under review as of September 1, 2026.
- The filing proposes standardized Plans A, G and N with a target effective date of January 1, 2027.
- The filing proposes household and automatic-payment discounts plus Costco membership, vision and hearing benefits.
Still pending
What remains unknown
- Whether regulators will approve the filing as submitted and whether the January 1, 2027 target date will hold.
- The final approved monthly premiums and whether any proposed discounts or added benefits will change during review.
- When applications will open, the final enrollment instructions and whether any geographic availability limits will apply.
Independent broker perspective
My take on the SCAN and Costco Medicare Supplement proposal
The proposed starting prices deserve attention. Based on the public rate filing, Plan G and Plan N appear very competitive with many Medicare Supplement options currently available in Washington. If the final approved prices create meaningful savings, that is good news for beneficiaries, and we will take the option seriously.
At the same time, a starting premium is only one part of the decision. This would be a new Medicare Supplement block with no rate history of its own. That is not a criticism of SCAN or Costco, and it is not a reason to dismiss the plan. Every new product begins without a track record. It simply means nobody can know yet how closely future claims and rate needs will match the original assumptions.
The responsible approach is not to predict that rates will rise sharply, and it is not to assume that an attractive starting premium will remain unchanged. We should compare the final approved premium, discounts, added benefits, customer experience and future rate filings as actual experience develops.
If an approved option can save a client $50 or $60 per month, that is $600 to $720 per year back in their pocket. We should not ignore meaningful savings simply because a product is new. We also should not recommend a plan based only on the Costco name or the first-year premium.
Washington gives many current Medicare Supplement policyholders valuable flexibility. According to the Washington Office of the Insurance Commissioner, someone already enrolled in a Medigap Plan B through Plan N can generally switch to another Plan B through Plan N at any time without completing a written health screening questionnaire. Every situation should still be reviewed individually, especially for someone who is not already enrolled in one of those plans.
Our job is not to declare a winner before the filing is approved. If the SCAN and Costco plan becomes a strong fit for a client, we will help them take advantage of it. If the price or the client's needs change later, we will be there to review the options again. We approach Medicare coverage as an ongoing relationship, not a one-time sale.
I hope the proposed pricing proves sustainable. More competition and meaningful savings can be very good for Washington consumers. We will keep watching the filing and give our clients the same careful, honest guidance after approval and in every year that follows.
What does the Washington confirmation mean for Spokane?
Washington confirmation is directly relevant to Spokane residents because Medicare Supplement policies pair with Original Medicare rather than using a Spokane-only Medicare Advantage service-area network. The filing does not present a county-by-county service area. Even so, residents should wait for approved product documents, premiums, eligibility rules and final Washington availability before treating the proposed plan as an available coverage option.
What Spokane residents should do now
No coverage decision is needed because of this update. Keep your current coverage information and wait for the approved Washington product documents. If the plan becomes available, compare its standardized benefits, premium, discounts, eligibility rules and additional services with other Medicare Supplement options. After launch, its rate history should become part of that review too.
Our 2027 Spokane Medicare changes tracker will be updated as SCAN releases approved Washington plan details, rates, and timing. For general preparation, use the annual Medicare review guide.
Sources reviewed
- Washington's public SERFF rate filing IASL-135055285 for the proposed plans, discounts, added benefits, target effective date and pending status. SERFF may first display its public-access agreement.
- Washington OIC filing-search instructions for independently locating the SCAN filing by company name or tracking number.
- The Wall Street Journal's August 18, 2026 report for the newly reported rollout and its undisclosed locations and timing.
- SCAN Health Plan's partnership announcement for background on the organizations' established relationship.
- Washington OIC's Medicare Supplement guidance for the state's rules on switching among Medigap Plans B through N.
Independent local reporting and opinion
Health Insurance Options LLC is not affiliated with Costco, SCAN Group, or SCAN Health Plan. The filing facts and independent commentary on this page have not been reviewed or approved by those organizations and are not a recommendation to enroll. Filed terms may change before approval.
Update log
— Verified that the Washington filing remains under review and clarified that broader Costco and SCAN Medicare Advantage features are not confirmed benefits of the proposed Washington Medicare Supplement product.
— Added the public filing status, proposed Plans A, G and N, proposed discounts and Costco-only benefits, plus independent client-focused commentary.
— Updated after SCAN identified Washington for its planned co-branded Medicare Supplement rollout with Costco.
— Published with the rollout states marked as unconfirmed.