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Medigap in Clear Lake, 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.

Clear Lake is an unincorporated community in Pierce 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 Clear Lake.

Clear Lake, Pierce County
County
Pierce County
Insurers selling here
15
Sell Plan G
15
Sell Plan N
14
Nearest hospital
19 miles

Who sells Plan G and Plan N in Clear Lake

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 Pierce County residents. All plans and insurers in Pierce County. OIC chart, October 8, 2026. Ask a licensed agent for current premiums.

Doctors around Clear Lake

CMS lists 34 clinicians with practice locations within 8 miles of Clear Lake, including 0 in primary care (family and internal medicine, nurse practitioners and physician assistants). 2 of them are listed as sometimes declining Medicare assignment. That's too few clinicians to call the local rate high or low (statewide it's 4.5%), so ask your own providers whether they accept assignment. Most specialist care will mean a trip to Puyallup, about 17 miles away. Medigap pays the same at any provider in the country that accepts Medicare, so you aren't limited to one county's network. Within 25 miles, CMS lists clinicians in physical therapy, mental health, eye care, chiropractic, cardiology, general surgery, and cancer care. Practices with Medicare clinicians near Clear Lake include MultiCare Health System and Apple Physical Therapy LLC.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology13412 mi, Frederickson
Cancer care9615 mi, Summit View
Orthopedics8412 mi, Frederickson
Eye care1747 mi, Graham
Kidney care3519 mi, Puyallup
Neurology5914 mi, South Hill
Lung care5719 mi, Lakewood
Digestive care4814 mi, South Hill
Urology3519 mi, Lakewood
Dermatology4215 mi, Summit View
Diabetes and hormone care2017 mi, Parkland
Ear, nose and throat3114 mi, South Hill
Physical therapy5567 mi, Graham
Mental health2987 mi, Graham
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 Clear Lake

HospitalDistanceTypeCMS overall rating
St. Clare Hospital
Lakewood
19 miAcute care4 of 5 stars
MultiCare Good Samaritan Hospital
Puyallup
19 miAcute care2 of 5 stars
St. Joseph Medical Center
Tacoma
23 miAcute care3 of 5 stars
Tacoma General Allenmore Hospital
Tacoma
23 miAcute care2 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Clear Lake is St. Clare Hospital in Lakewood, about 19 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 Clear Lake

Skilled nursing facilityDistanceBedsCMS overall rating
Washington Soldiers Home
Orting
12 mi974 of 5 stars
Life Care Center of South Hill
Puyallup
17 mi1005 of 5 stars
Puyallup Post Acute
Puyallup
17 mi962 of 5 stars
Rainier Rehabilitation
Puyallup
17 mi1175 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 Clear Lake. The highest-rated is Life Care Center of South Hill in Puyallup (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Pierce County notes

176,141 people on Medicare in Pierce County48% in Original Medicare (WA 50%)11% of those 65+ are 85 or older

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

Nearby

ZIP codes around Clear Lake: 98338.

Common questions

Which insurers sell Medigap Plan G in Clear Lake, 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 Clear Lake?

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 Pierce County.

Do doctors near Clear Lake accept Medicare assignment?

Of 34 clinicians CMS lists within 8 miles, 32 (94.1%) always accept assignment and 2 may not.

Can I use Medigap at St. Clare Hospital?

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 Clear Lake 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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