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Medigap in Esperance, WA: Medicare Supplement plans and prices
Esperance is an unincorporated community in Snohomish County. 15 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
- Snohomish County
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 3 miles
Esperance is next to Edmonds, and shares its doctors, hospitals and insurer line-up. The Edmonds page has the same information in more depth.
Plan G and Plan N prices in Esperance
| 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 |
| Premera | $286 | $215 | $71 |
| United American | $293 | $242 | $48 |
| USAA | $309 | $194 | – |
| State Farm | $310 | $239 | – |
| Medco Containment Life | $311 | $226 | – |
| Regence BlueShield | $317 | $244 | – |
| UnitedHealthcare (AARP) | $324 | $265 | – |
| HumanaDental | $330 | $267 | $66 |
| United World Life (Mutual of Omaha) | $379 | $265 | $61 |
| GPM Health & Life | $466 | $239 | – |
Doctors around Esperance
CMS lists 3,694 clinicians with practice locations within 8 miles of Esperance, including 1,320 in primary care (family and internal medicine, nurse practitioners and physician assistants). 296 of them (8.0%) are listed as only sometimes accepting assignment, against 4.5% statewide. Those providers can bill up to 15% above the Medicare-approved amount. That makes the excess-charge coverage in Plan G worth more in Esperance than in most of Washington. Within 25 miles, CMS lists clinicians in mental health, physical therapy, eye care, neurology, cancer care, cardiology, and chiropractic. Practices with Medicare clinicians near Esperance include Healthpoint, King County Public Hospital District No 2, Optum Care Washington PLLC, The Association of University Physicians, and Refined Physio PLLC.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 460 | in town |
| Cancer care | 499 | in town |
| Orthopedics | 367 | in town |
| Eye care | 785 | in town |
| Kidney care | 151 | in town |
| Neurology | 501 | 3 mi, Lynnwood |
| Lung care | 199 | 3 mi, Lynnwood |
| Digestive care | 310 | 3 mi, Lynnwood |
| Urology | 184 | in town |
| Dermatology | 254 | 3 mi, Lynnwood |
| Diabetes and hormone care | 114 | in town |
| Ear, nose and throat | 163 | 3 mi, Lynnwood |
| Physical therapy | 2,058 | in town |
| Mental health | 2,214 | in town |
Hospitals near Esperance
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Swedish Edmonds Hospital Edmonds | 3 mi | Acute care | 3 of 5 stars |
| EvergreenHealth Medical Center Kirkland | 8 mi | Acute care | 5 of 5 stars |
| University of Washington Medical Center Seattle | 10 mi | Acute care | 4 of 5 stars |
| Kaiser Permanente Central Hospital Seattle | 11 mi | Acute care | not rated |
The closest hospital to Esperance is Swedish Edmonds Hospital in Edmonds, about 3 miles away. The highest-rated hospital in that list is EvergreenHealth Medical Center, 5 of 5 stars on CMS's overall rating. Medigap has no hospital network: the Part A deductible ($1,736 in 2026) is covered the same here as anywhere.
Skilled nursing near Esperance
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Pine Ridge Post Acute Edmonds | 1 mi | 80 | 5 of 5 stars |
| Edmonds Post Acute Edmonds | 1 mi | 128 | 1 of 5 stars |
| Bridges To Home Shoreline | 2 mi | 12 | 2 of 5 stars |
| Richmond Beach Rehab Shoreline | 2 mi | 131 | 4 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Esperance. The highest-rated is Pine Ridge Post Acute in Edmonds (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Snohomish County notes
Of the regional Blue plans, Regence BlueShield sells in Snohomish County. WSHIP status: reasonable-choice county (what that means). See the Snohomish County page for the county-wide view.
Nearby
ZIP codes around Esperance: 98020, 98026, 98036, 98043, 98133, 98155, 98177.
Common questions
What is the cheapest Medigap Plan G in Esperance, 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 Esperance?
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 Snohomish County.
Do doctors near Esperance accept Medicare assignment?
Of 3,694 clinicians CMS lists within 8 miles, 3,398 (92.0%) always accept assignment and 296 may not.
Can I use Medigap at Swedish Edmonds 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 Esperance 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)