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Medigap in Cottage 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.

Cottage Lake is an unincorporated community in King 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 Cottage Lake.

Cottage Lake, King County
County
King County
Insurers selling here
15
Sell Plan G
15
Sell Plan N
14
Nearest hospital
7 miles

Who sells Plan G and Plan N in Cottage 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 King County residents. All plans and insurers in King County. OIC chart, October 8, 2026. Ask a licensed agent for current premiums.

Doctors around Cottage Lake

CMS lists 2,596 clinicians with practice locations within 8 miles of Cottage Lake, including 921 in primary care (family and internal medicine, nurse practitioners and physician assistants). 109 of them (4.2%) 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, neurology, cancer care, cardiology, and chiropractic. Practices with Medicare clinicians near Cottage Lake include Healthpoint, King County Public Hospital District No 2, Elevate Physical Rehabilitation Group PLLC, Pacmed Clinics, and Lake Washington Physical Therapy LLC.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology444in town
Cancer care480in town
Orthopedics3565 mi, Redmond
Eye care776in town
Kidney care1497 mi, Kirkland
Neurology4805 mi, Redmond
Lung care1945 mi, Redmond
Digestive care3155 mi, Redmond
Urology1817 mi, Kirkland
Dermatology244in town
Diabetes and hormone care1115 mi, Redmond
Ear, nose and throat1585 mi, Redmond
Physical therapy1,991in town
Mental health2,132in 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 Cottage Lake

HospitalDistanceTypeCMS overall rating
EvergreenHealth Medical Center
Kirkland
7 miAcute care5 of 5 stars
Overlake Hospital Medical Center & Clinics
Bellevue
11 miAcute care2 of 5 stars
EvergreenHealth Monroe
Monroe
12 miAcute care3 of 5 stars
Kaiser Permanente Central Hospital
Seattle
12 miAcute carenot rated
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Cottage Lake is EvergreenHealth Medical Center in Kirkland, about 7 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 Cottage Lake

Skilled nursing facilityDistanceBedsCMS overall rating
Corwin Center at Emerald Heights
Redmond
4 mi614 of 5 stars
Redmond Care and Rehabilitation Center
Redmond
6 mi1394 of 5 stars
Life Care Center of Kirkland
Kirkland
7 mi1903 of 5 stars
Bothell Health Care
Bothell
8 mi993 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 Cottage Lake. The highest-rated is Corwin Center at Emerald Heights in Redmond (4 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

King County notes

368,813 people on Medicare in King County46% in Original Medicare (WA 50%)12% of those 65+ are 85 or older

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

Nearby

ZIP codes around Cottage Lake: 98072, 98077.

Common questions

Which insurers sell Medigap Plan G in Cottage 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 Cottage 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 King County.

Do doctors near Cottage Lake accept Medicare assignment?

Of 2,596 clinicians CMS lists within 8 miles, 2,487 (95.8%) always accept assignment and 109 may not.

Can I use Medigap at EvergreenHealth 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 Cottage 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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