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Medigap in Kalama, 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.

Kalama is in Cowlitz 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 Kalama.

Kalama, Cowlitz County
County
Cowlitz County
Population (2024 estimate)
3,131
Insurers selling here
15
Sell Plan G
15
Sell Plan N
14
Nearest hospital
17 miles

Who sells Plan G and Plan N in Kalama

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 Cowlitz County residents. All plans and insurers in Cowlitz County. OIC chart, October 8, 2026. Ask a licensed agent for current premiums.

Doctors around Kalama

CMS lists no clinician practice locations within 8 miles of Kalama. Most specialist care will mean a trip to Vancouver, about 29 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, cardiology, chiropractic, neurology, and orthopedics.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology6217 mi, Longview Heights
Cancer care2317 mi, Longview Heights
Orthopedics3117 mi, Longview Heights
Eye care11310 mi, Woodland
Kidney care617 mi, Longview Heights
Neurology3917 mi, Longview Heights
Lung care1716 mi, Ridgefield
Digestive care2417 mi, Longview Heights
Urology1117 mi, Longview Heights
Dermatology2617 mi, Longview Heights
Diabetes and hormone care523 mi, Barberton
Ear, nose and throat1117 mi, Longview Heights
Physical therapy11710 mi, Woodland
Mental health17211 mi, Kelso
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 Kalama

HospitalDistanceTypeCMS overall rating
PeaceHealth St. John Medical Center
Longview
17 miAcute care4 of 5 stars
Legacy Salmon Creek Medical Center
Vancouver
23 miAcute care4 of 5 stars
PeaceHealth Southwest Medical Center
Vancouver
30 miAcute care3 of 5 stars
Arbor Health Morton Hospital
Morton
48 miCritical accessnot rated
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Kalama is PeaceHealth St. John Medical Center in Longview, about 17 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 Kalama

Skilled nursing facilityDistanceBedsCMS overall rating
Americana Health and Rehabilitation
Longview
9 mi744 of 5 stars
Frontier Rehabilitation and Extended Care
Longview
9 mi1402 of 5 stars
Woodland Convalescent Center
Woodland
9 mi622 of 5 stars
Beacon Hill Rehabilitation
Longview
11 mi675 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 Kalama. The highest-rated is Beacon Hill Rehabilitation in Longview (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

Kalama is about 2 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.

Cowlitz County notes

29,288 people on Medicare in Cowlitz County32% in Original Medicare (WA 50%)11% of those 65+ are 85 or older

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

Nearby

ZIP codes around Kalama: 98609.

Common questions

Which insurers sell Medigap Plan G in Kalama, 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 Kalama?

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 Cowlitz County.

Can I use Medigap at PeaceHealth St. John 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 Kalama 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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