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Medicare Supplement (Medigap) plans in Whatcom County, Washington
Every insurer selling Medigap in Whatcom County, with its premium for each plan. Covers Bellingham, Blaine, Ferndale, Lynden, Everson, Sumas, Nooksack, and Birch Bay.
- Insurers selling here
- 15 of 17
- Lowest open Plan G
- $239/mo
- Lowest open Plan N
- $189/mo
- County seat
- Bellingham
- Region
- Northwest Washington
15 insurers sell Medicare Supplement insurance in Whatcom County, out of 17 approved in Washington. Residents of Bellingham, Blaine, Ferndale, Lynden, Everson, Sumas, Nooksack, and Birch Bay choose from the same list, at the same premiums anyone else in the state pays for that insurer's plan. The lowest Plan G premium open to any Whatcom County resident 65 or older is $239 a month from First Health Life & Health. The lowest Plan N is $189 from First Health Life & Health. High-deductible Plan G starts at $48 a month here, if you can cover the first $2,950 of costs in a bad year.
Whatcom County is one of the 22 counties where Regence BlueShield sells Medigap, including its low-premium Plan K at $121. Asuris Northwest Health does not sell here. Premera Blue Cross sells here, with Plan G at $286. For the WSHIP Medicare Supplement plan, Whatcom County counts as having a reasonable choice of Medicare Advantage plans, which narrows who can use WSHIP here. See if you're turned down for Medigap.
Medicare Supplement Plan G, monthly premium, Whatcom County
Insurers that sell in Whatcom County. Age 65+, bank draft. OIC chart current as of October 8, 2026.
Every plan and insurer in Whatcom County
| Insurer selling in Whatcom County | A | B | D | G | HD-G | K | L | N | C | F | HD-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankers Reserve Life | $234 | – | – | $257 | – | – | – | $194 | – | $336 | – |
| First Health Life & Health | $175 | $215 | – | $239 | – | – | – | $189 | – | $257 | – |
| GPM Health & Life | $375 | – | – | $466 | – | – | – | $239 | – | $514 | – |
| HumanaDental | $204 | – | – | $330 | $66 | – | – | $267 | – | $424 | $67 |
| Insurance Company of North America | $255 | – | – | $257 | $65 | – | – | $191 | – | $329 | – |
| Medco Containment Life | $259 | – | – | $311 | – | – | – | $226 | – | $377 | $93 |
| Premera | $240 | – | – | $286 | $71 | – | – | $215 | $328 | – | – |
| Regence BlueShield | $282 | – | – | $317 | – | $121 | – | $244 | $395 | $401 | – |
| State Farm | $252 | – | $309 | $310 | – | – | – | $239 | $409 | $413 | – |
| USAA | $155 | – | – | $309 | – | – | – | $194 | – | $343 | – |
| United American | $190 | $284 | $305 | $293 | $48 | – | – | $242 | $320 | $356 | $48 |
| United World Life (Mutual of Omaha) | $208 | – | – | $379 | $61 | – | – | $265 | – | $501 | – |
| UnitedHealthcare (AARP) | $225 | $332 | – | $324 | – | $103 | $228 | $265 | $390 | $392 | – |
| Washington National | $241 | – | – | $274 | $68 | – | – | $192 | – | $396 | – |
| WA Health Care Authority Premera Plan G | – | – | – | $233 | – | – | – | – | – | – | – |
Medicare Supplement Plan N, monthly premium, Whatcom County
Plan N trades office and ER copays for a lower premium.
Largest towns
Hospitals in Whatcom County
| Hospital | – | Type | CMS overall rating |
|---|---|---|---|
| PeaceHealth St. Joseph Medical Center Bellingham | under 1 mi | Acute care | 4 of 5 stars |
Doctors in Whatcom County
1,581 Medicare clinician listings at Whatcom County addresses; 7.3% are marked as sometimes declining Medicare assignment (statewide 4.5%). That's above the state level, which makes Plan G's excess-charge coverage more valuable here.
| Specialty | Clinicians in county |
|---|---|
| Cardiology | 31 |
| Cancer care | 15 |
| Orthopedics | 21 |
| Eye care | 79 |
| Kidney care | 4 |
| Neurology | 13 |
| Lung care | 13 |
| Digestive care | 18 |
| Urology | 8 |
| Dermatology | 10 |
| Diabetes and hormone care | 3 |
| Ear, nose and throat | 7 |
| Physical therapy | 125 |
| Mental health | 190 |
| Hearing | 0 |
All 19 cities and communities in Whatcom County · Plan pages: Plan G, Plan N, High-deductible Plan G, Plan A, Plan K, Plan F
Common questions
What is the cheapest Medigap Plan G in Whatcom County?
$239 a month from First Health Life & Health for anyone 65 or older, on the OIC chart current as of October 8, 2026. The state-sponsored HCA group plan lists $233.
Are Medigap premiums higher in Whatcom County than in Seattle?
No. Each insurer charges the same premium for a plan everywhere it sells in Washington. Counties differ only in which insurers sell there.
How many Medigap insurers sell in Whatcom County?
15. Not available here: Asuris and Regence BlueCross BlueShield of Oregon.
Where can I get free Medicare help in Whatcom County?
SHIBA, the state's free Medicare counseling program, takes calls at 1-800-562-6900 and can connect you to a local volunteer.