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Medigap in Duluth, WA: Medicare Supplement plans and prices
Duluth is an unincorporated community in Clark County. 14 of the insurers we compare sell Medicare Supplement policies to its residents. The lowest Plan G any 65+ applicant can buy here is $239 a month from First Health Life & Health; the lowest Plan N is $189 from First Health Life & Health.
- County
- Clark County
- Insurers selling here
- 14
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 4 miles
Duluth is next to Ridgefield, and shares its doctors, hospitals and insurer line-up. The Ridgefield page has the same information in more depth.
Plan G and Plan N prices in Duluth
| Insurer | Plan G | Plan N | HD Plan G |
|---|---|---|---|
| WA Health Care Authority Premera Plan G | $233 | – | – |
| First Health Life & Health | $239 | $189 | – |
| Bankers Reserve Life | $257 | $194 | – |
| Insurance Company of North America | $257 | $191 | $65 |
| Washington National | $274 | $192 | $68 |
| Regence BlueCross BlueShield of Oregon | $279 | $223 | – |
| United American | $293 | $242 | $48 |
| USAA | $309 | $194 | – |
| State Farm | $310 | $239 | – |
| Medco Containment Life | $311 | $226 | – |
| UnitedHealthcare (AARP) | $324 | $265 | – |
| HumanaDental | $330 | $267 | $66 |
| United World Life (Mutual of Omaha) | $379 | $265 | $61 |
| GPM Health & Life | $466 | $239 | – |
Doctors around Duluth
CMS lists 1,739 clinicians with practice locations within 8 miles of Duluth, including 592 in primary care (family and internal medicine, nurse practitioners and physician assistants). Only 39 (2.2%) are listed as sometimes declining assignment, below the 4.5% statewide figure. Excess charges are rare here, which favors Plan N for people who don't see specialists often. Within 25 miles, CMS lists clinicians in mental health, physical therapy, eye care, chiropractic, cardiology, orthopedics, and neurology. Practices with Medicare clinicians near Duluth include The Vancouver Clinic Inc. PS, Vital Care, PLLC, Feileacan LLC, Western Psychological and Counseling Services LLC, and Sokyahealth Medical Group Pc.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 89 | 4 mi, Barberton |
| Cancer care | 56 | 4 mi, Barberton |
| Orthopedics | 60 | 4 mi, Barberton |
| Eye care | 193 | in town |
| Kidney care | 29 | 4 mi, Barberton |
| Neurology | 59 | 4 mi, Barberton |
| Lung care | 37 | in town |
| Digestive care | 45 | 4 mi, Barberton |
| Urology | 26 | 4 mi, Barberton |
| Dermatology | 37 | 4 mi, Barberton |
| Diabetes and hormone care | 15 | 4 mi, Barberton |
| Ear, nose and throat | 32 | 4 mi, Barberton |
| Physical therapy | 262 | in town |
| Mental health | 381 | in town |
Hospitals near Duluth
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Legacy Salmon Creek Medical Center Vancouver | 4 mi | Acute care | 4 of 5 stars |
| PeaceHealth Southwest Medical Center Vancouver | 12 mi | Acute care | 3 of 5 stars |
| PeaceHealth St. John Medical Center Longview | 35 mi | Acute care | 4 of 5 stars |
| Skyline Hospital White Salmon | 57 mi | Critical access | not rated |
The closest hospital to Duluth is Legacy Salmon Creek Medical Center in Vancouver, about 4 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 Duluth
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Salmon Creek Post Acute & Rehabilitation Vancouver | 4 mi | 120 | 3 of 5 stars |
| Brookfield Health and Rehab of Cascadia Battle Ground | 5 mi | 83 | 3 of 5 stars |
| Bridge Crest Post Acute Vancouver | 9 mi | 89 | 2 of 5 stars |
| Woodland Convalescent Center Woodland | 9 mi | 62 | 2 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Duluth. The highest-rated is Salmon Creek Post Acute & Rehabilitation in Vancouver (3 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Care across the Oregon line
Duluth is about 5 miles from Oregon. Your Washington Medigap policy pays the same at Oregon doctors and hospitals that accept Medicare, with no network. Oregon doesn't ban Part B excess charges, so if you use providers there, Plan G's excess-charge coverage can matter.
Clark County notes
Of the regional Blue plans, Regence BlueCross BlueShield of Oregon sells in Clark County. Premera Blue Cross doesn't sell individual Medigap plans here. WSHIP status: reasonable-choice county (what that means). See the Clark County page for the county-wide view.
Nearby
ZIP codes around Duluth: 98642.
Common questions
What is the cheapest Medigap Plan G in Duluth, WA?
$239 a month from First Health Life & Health, among plans any applicant 65 or older can buy, on the OIC chart current as of October 8, 2026.
Which Medigap insurers sell in Duluth?
14: Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Regence BlueCross BlueShield of Oregon, 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 Clark County.
Do doctors near Duluth accept Medicare assignment?
Of 1,739 clinicians CMS lists within 8 miles, 1,700 (97.8%) always accept assignment and 39 may not.
Can I use Medigap at Legacy Salmon Creek 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 Duluth 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
- Washington OIC / SHIBA, 2026 Approved Medicare Supplement (Medigap) plans (rates current as of October 8, 2026)
- Washington OIC, Medigap (Medicare Supplement) plan coverage and costs
- CMS Doctors and Clinicians National Downloadable File (data.cms.gov dataset mj5m-pzi6), released Nov. 12, 2026
- CMS Hospital General Information (data.cms.gov dataset xubh-q36u)
- CMS Nursing Home Provider Information, October 2026 (data.cms.gov dataset 4pq5-n9py)
- U.S. Census Bureau 2024 Gazetteer files; 2024 population estimates (SUB-EST2024)