Medigap in Oak Harbor, WA: Medicare Supplement plans and insurers

CMS lists 215 clinicians with practice locations within 8 miles of Oak Harbor, including 79 in primary care (family and internal medicine, nurse practitioners and physician assistants). 11 of them (5.1%) 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 physical therapy, mental health, eye care, chiropractic, cardiology, general surgery, and orthopedics. Practices with Medicare clinicians near Oak Harbor include Whidbey Island Public Hospital District, North Star Medical Imaging PLLC, and Oak Harbor Primary Care PLLC.

The closest hospital to Oak Harbor is WhidbeyHealth Medical Center in Coupeville, about 7 miles away (a critical access hospital: a small rural hospital with 25 or fewer inpatient beds). The highest-rated hospital in that list is Island Hospital, 4 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.

4 Medicare-certified nursing homes are within 35 miles of Oak Harbor. The highest-rated is Josephine Caring Community in Stanwood (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

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