Carrier review
Washington National Medicare Supplement
We are appointed to represent Washington National. This page explains what the company actually is, what it is good at, and what to check before you buy — not what its brochure says.
Figures reviewed for 2026
- Parent company
- CNO Financial Group
- Focus
- Supplemental health, with a limited Medigap book
- Sibling brand
- Bankers Life
Washington National is a CNO company best known today for supplemental health coverage such as hospital indemnity, cancer, and critical illness policies rather than Medicare Supplement. Its Medigap book is small and state-limited, and much of what remains is business already on the books, so we check current filings before presenting it as an option at all.
Same corporate family
Each company in this group writes its own policies and files its own rates, so each one has a separate page:
Why consider Washington National
- Existing policyholders keep the coverage and the rate history they already have, and there is no reason to disturb a policy that is working.
- Its supplemental products sometimes fill gaps Medigap does not cover, such as dental or a fixed hospital benefit.
What to check first
- Ask directly whether the product being offered is a Medicare Supplement or a hospital indemnity policy. The second pays fixed daily amounts and is not a substitute for Medigap.
- Limited filings mean it may simply not be available where you live. Confirm before spending time on a quote.
How we compare this carrier against the rest
Medigap benefits are standardized by federal law, so a Plan G from Washington National covers exactly what a Plan G from any other carrier covers. That leaves five things worth comparing, and we check all five before making a recommendation:
- The filed premium at your age, ZIP code, and tobacco status
- The last five years of rate increases on the exact plan and block
- Whether pricing is attained-age, issue-age, or community-rated
- Household, spousal, and multi-policy discounts you qualify for
- The issuing legal entity, since one brand can hold several blocks
Common questions
Before you apply
- Is this carrier cheaper than the others?
- Sometimes, and only for a specific age, ZIP code, tobacco status, and household. Medigap benefits are identical by plan letter, so price is the only real variable — which is why we quote the whole market rather than publishing a number that goes stale.
- Can I be turned down for health reasons?
- Outside your six-month Medigap Open Enrollment Period, and outside any state-specific rights such as a birthday rule, yes. Carriers use medical underwriting and can decline or rate you up.
- What happens to my rate over time?
- The carrier files increases with your state insurance department, and they apply to your whole block of business. A carrier with a history of double-digit annual increases is expensive even when the first year looks cheap.
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See what Washington National would charge you
Rates depend on your age, ZIP code, tobacco use, and in some states your health history. Send us a few details and we will put the real 2026 numbers side by side.