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Medigap in Fairfield, WA: Medicare Supplement plans and prices
Fairfield is in Spokane 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
- Spokane County
- Population (2024 estimate)
- 598
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 21 miles
Plan G and Plan N prices in Fairfield
| 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 | – |
| UnitedHealthcare (AARP) | $324 | $265 | – |
| HumanaDental | $330 | $267 | $66 |
| United World Life (Mutual of Omaha) | $379 | $265 | $61 |
| Asuris | $394 | $294 | – |
| GPM Health & Life | $466 | $239 | – |
Doctors around Fairfield
CMS lists only 1 clinician with practice locations within 8 miles of Fairfield. Most specialist care will mean a trip to Spokane Valley, about 19 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 mental health, physical therapy, eye care, chiropractic, cancer care, cardiology, and neurology. Practices with Medicare clinicians near Fairfield include Washington Pac Services Pc.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 40 | 21 mi, Spokane Valley |
| Cancer care | 57 | 21 mi, Spokane Valley |
| Orthopedics | 27 | 21 mi, Spokane Valley |
| Eye care | 117 | 16 mi, Spokane Valley |
| Kidney care | 17 | 21 mi, Spokane |
| Neurology | 33 | 17 mi, Spokane Valley |
| Lung care | 12 | 21 mi, Spokane |
| Digestive care | 29 | 21 mi, Spokane Valley |
| Urology | 14 | 21 mi, Spokane |
| Dermatology | 21 | 18 mi, Liberty Lake |
| Diabetes and hormone care | 6 | 21 mi, Spokane |
| Ear, nose and throat | 17 | 21 mi, Spokane Valley |
| Physical therapy | 260 | 15 mi, Liberty Lake |
| Mental health | 341 | 15 mi, Liberty Lake |
Hospitals near Fairfield
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| MultiCare Valley Hospital Spokane Valley | 21 mi | Acute care | 5 of 5 stars |
| Deaconess Medical Center Spokane | 23 mi | Acute care | 3 of 5 stars |
| Providence Sacred Heart Medical Center & Children's Hospital Spokane | 23 mi | Acute care | 3 of 5 stars |
| Providence Holy Family Hospital Spokane | 31 mi | Acute care | 3 of 5 stars |
The closest hospital to Fairfield is MultiCare Valley Hospital in Spokane Valley, about 21 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 Fairfield
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Spokane Valley Health and Rehabilitation of Cascad Spokane Valley | 18 mi | 97 | 3 of 5 stars |
| Sullivan Park Care Center Spokane | 19 mi | 125 | 2 of 5 stars |
| Sunshine Health & Rehab Spokane | 19 mi | 37 | 5 of 5 stars |
| Aurora Valley Care Spokane | 19 mi | 124 | 2 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Fairfield. The highest-rated is Sunshine Health & Rehab in Spokane (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Care across the Idaho line
Fairfield is about 6 miles from Idaho. Your Washington Medigap policy pays the same at Idaho doctors and hospitals that accept Medicare, with no network. Idaho doesn't ban Part B excess charges, so if you use providers there, Plan G's excess-charge coverage can matter.
Spokane County notes
Of the regional Blue plans, Asuris Northwest Health sells in Spokane County. WSHIP status: reasonable-choice county (what that means). See the Spokane County page for the county-wide view.
Nearby
ZIP codes around Fairfield: 99012.
Common questions
What is the cheapest Medigap Plan G in Fairfield, 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 Fairfield?
15: Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, 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 Spokane County.
Can I use Medigap at MultiCare Valley 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 Fairfield 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)