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Medigap in Bainbridge Island, WA: Medicare Supplement plans and insurers

By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.

Bainbridge Island is in Kitsap County. 15 of the insurers we track sell Medicare Supplement policies to its residents: 15 sell Plan G and 14 sell Plan N. Below: who they are, plus the doctors, hospitals and skilled nursing facilities near Bainbridge Island.

Bainbridge Island, Kitsap County
County
Kitsap County
Population (2024 estimate)
24,618
Insurers selling here
15
Sell Plan G
15
Sell Plan N
14
Nearest hospital
8 miles

Who sells Plan G and Plan N in Bainbridge Island

InsurerPlan GPlan NHD Plan G
Bankers Reserve Life✓✓–
First Health Life & Health✓✓–
GPM Health & Life✓✓–
HumanaDental✓✓✓
Insurance Company of North America✓✓✓
Medco Containment Life✓✓–
Premera✓✓✓
Regence BlueShield✓✓–
State Farm
sold through State Farm agents
✓✓–
USAA
USAA eligibility required
✓✓–
United American✓✓✓
United World Life (Mutual of Omaha)✓✓✓
UnitedHealthcare (AARP)
AARP membership required
✓✓–
WA Health Care Authority Premera Plan G
state-sponsored group plan
✓––
Washington National✓✓✓
✓ = sells that plan to Kitsap County residents. All plans and insurers in Kitsap County. OIC chart, October 8, 2026. Ask a licensed agent for current premiums.

Doctors around Bainbridge Island

CMS lists 2,511 clinicians with practice locations within 8 miles of Bainbridge Island, including 1,001 in primary care (family and internal medicine, nurse practitioners and physician assistants). 142 of them (5.7%) are listed as sometimes declining assignment, close to the 4.5% statewide figure. Ask each provider whether they accept assignment; if they all do, Plan N's excess-charge gap won't affect you. Within 25 miles, CMS lists clinicians in mental health, physical therapy, eye care, cardiology, cancer care, neurology, and chiropractic. Practices with Medicare clinicians near Bainbridge Island include Swedish Health Services, The Association of University Physicians, PeaceHealth Networks On Demand LLC, Virginia Mason Medical Center, and Kitsap Physical Therapy and Sports Clinic PS Inc..

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology563in town
Cancer care548in town
Orthopedics380in town
Eye care857in town
Kidney care175in town
Neurology543in town
Lung care231in town
Digestive care333in town
Urology208in town
Dermatology251in town
Diabetes and hormone care131in town
Ear, nose and throat1856 mi, Seattle
Physical therapy2,242in town
Mental health2,273in town
Clinicians enrolled in Medicare, counted once per ZIP area where they practice. Distances are to the center of the nearest ZIP area with that specialty. Source: CMS Doctors and Clinicians file.

Hospitals near Bainbridge Island

HospitalDistanceTypeCMS overall rating
Virginia Mason Medical Center
Seattle
8 miAcute care5 of 5 stars
Harborview Medical Center
Seattle
9 miAcute care2 of 5 stars
University of Washington Medical Center
Seattle
9 miAcute care4 of 5 stars
St. Michael Medical Center
Silverdale
10 miAcute care4 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Bainbridge Island is Virginia Mason Medical Center in Seattle, about 8 miles away. Medigap has no hospital network: the Part A deductible ($1,736 in 2026) is covered the same here as anywhere.

Skilled nursing near Bainbridge Island

Skilled nursing facilityDistanceBedsCMS overall rating
Bainbridge Island Health & Rehab Center
Bainbridge Island
under 1 mi585 of 5 stars
Avamere Rehabilitation at Park West
Seattle
7 mi1372 of 5 stars
Bremerton Trails Post Acute
Bremerton
7 mi1251 of 5 stars
Belmont Terrace
Bremerton
7 mi1023 of 5 stars
Medicare-certified nursing homes. Source: CMS Nursing Home Provider Information, October 2026.

4 Medicare-certified nursing homes are within 35 miles of Bainbridge Island. The highest-rated is Bainbridge Island Health & Rehab Center in Bainbridge Island (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Kitsap County notes

67,198 people on Medicare in Kitsap County60% in Original Medicare (WA 50%)10% of those 65+ are 85 or older

Of the regional Blue plans, Regence BlueShield sells in Kitsap County. WSHIP status: reasonable-choice county (what that means). See the Kitsap County page for the county-wide view.

Nearby

ZIP codes around Bainbridge Island: 98110.

Common questions

Which insurers sell Medigap Plan G in Bainbridge Island, WA?

15: Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, Regence BlueShield, State Farm, USAA, United American, United World Life (Mutual of Omaha), UnitedHealthcare (AARP), WA Health Care Authority Premera Plan G, Washington National, on the OIC chart current as of October 8, 2026.

Which Medigap insurers sell in Bainbridge Island?

15: Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, Regence BlueShield, State Farm, USAA, United American, United World Life (Mutual of Omaha), UnitedHealthcare (AARP), WA Health Care Authority Premera Plan G, Washington National. They sell throughout Kitsap County.

Do doctors near Bainbridge Island accept Medicare assignment?

Of 2,511 clinicians CMS lists within 8 miles, 2,369 (94.3%) always accept assignment and 142 may not.

Can I use Medigap at Virginia Mason Medical Center?

Yes, if it accepts Medicare, which every hospital in this list does. Medigap has no network, except Medicare SELECT policies.

Is Medigap more expensive in Bainbridge Island than in Seattle?

No. Each insurer charges the same premium for a plan everywhere it sells in Washington. What differs is which insurers sell in your county.

Sources

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