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Medigap in Garrett, WA: Medicare Supplement plans and prices
Garrett is an unincorporated community in Walla Walla 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
- Walla Walla 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
- 5 miles
Garrett is next to College Place, and shares its doctors, hospitals and insurer line-up. The College Place page has the same information in more depth.
Plan G and Plan N prices in Garrett
| 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 Garrett
CMS lists 417 clinicians with practice locations within 8 miles of Garrett, including 155 in primary care (family and internal medicine, nurse practitioners and physician assistants). 24 of them (5.8%) 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, chiropractic, neurology, general surgery, and cancer care. Practices with Medicare clinicians near Garrett include Columbia County Hospital District, Physicians Immediate Care and Medical Centers PS, Providence Health and Services - Washington, and Privia Medical Group Washington PLLC.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 4 | 5 mi, Walla Walla |
| Cancer care | 7 | 5 mi, Walla Walla |
| Orthopedics | 5 | 5 mi, Walla Walla |
| Eye care | 17 | in town |
| Kidney care | 3 | 5 mi, Walla Walla |
| Neurology | 7 | 5 mi, Walla Walla |
| Lung care | 2 | 5 mi, Walla Walla |
| Digestive care | 5 | 5 mi, Walla Walla |
| Urology | 2 | 5 mi, Walla Walla |
| Dermatology | 4 | 5 mi, Walla Walla |
| Diabetes and hormone care | 0 | 45 mi, Richland |
| Ear, nose and throat | 4 | 5 mi, Walla Walla |
| Physical therapy | 40 | 5 mi, Walla Walla |
| Mental health | 42 | in town |
Hospitals near Garrett
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Providence St. Mary Medical Center Walla Walla | 5 mi | Acute care | 3 of 5 stars |
| Dayton General Hospital Dayton | 29 mi | Critical access | not rated |
| Lourdes Medical Center Pasco | 34 mi | Critical access | 3 of 5 stars |
| Trios Health Kennewick | 43 mi | Acute care | 2 of 5 stars |
The closest hospital to Garrett is Providence St. Mary Medical Center in Walla Walla, about 5 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 Garrett
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Regency at the Park College Place | 2 mi | 106 | 5 of 5 stars |
| Park Manor Rehabilitation Ctr Walla Walla | 3 mi | 99 | 5 of 5 stars |
| Washington Odd Fellows Home Walla Walla | 3 mi | 53 | 4 of 5 stars |
| Washington State Walla Walla Veterans Home Walla Walla | 5 mi | 80 | 5 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Garrett. The highest-rated is Regency at the Park in College Place (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Care across the Oregon line
Garrett is about 4 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.
Walla Walla County notes
Of the regional Blue plans, Regence BlueShield sells in Walla Walla County. WSHIP status: not a reasonable-choice county (what that means). See the Walla Walla County page for the county-wide view.
Nearby
ZIP codes around Garrett: 99324.
Common questions
What is the cheapest Medigap Plan G in Garrett, 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 Garrett?
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 Walla Walla County.
Do doctors near Garrett accept Medicare assignment?
Of 417 clinicians CMS lists within 8 miles, 393 (94.2%) always accept assignment and 24 may not.
Can I use Medigap at Providence St. Mary 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 Garrett 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)