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Medigap in Rainier, WA: Medicare Supplement plans and prices
Rainier is in Thurston 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
- Thurston County
- Population (2024 estimate)
- 2,506
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 14 miles
Plan G and Plan N prices in Rainier
| 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 Rainier
CMS lists only 17 clinicians with practice locations within 8 miles of Rainier. Most specialist care will mean a trip to Olympia, about 14 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 physical therapy, mental health, chiropractic, eye care, orthopedics, foot care, and cancer care. Practices with Medicare clinicians near Rainier include Nisqually Indian Tribe, Imaging Associates of Michigan PLLC, and Lewis County Community Health Services.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 36 | 11 mi, Tumwater |
| Cancer care | 49 | 10 mi, Lacey |
| Orthopedics | 68 | 11 mi, Tumwater |
| Eye care | 149 | 10 mi, Rainier |
| Kidney care | 16 | 17 mi, Olympia |
| Neurology | 28 | 11 mi, Tumwater |
| Lung care | 20 | 14 mi, Centralia |
| Digestive care | 30 | 17 mi, Olympia |
| Urology | 26 | 17 mi, Olympia |
| Dermatology | 28 | 17 mi, Olympia |
| Diabetes and hormone care | 4 | 10 mi, Lacey |
| Ear, nose and throat | 8 | 17 mi, Olympia |
| Physical therapy | 453 | 10 mi, Rainier |
| Mental health | 304 | 7 mi, Nisqually Indian Community |
Hospitals near Rainier
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Providence Centralia Hospital Centralia | 14 mi | Acute care | 3 of 5 stars |
| Providence St. Peter Hospital Olympia | 17 mi | Acute care | 3 of 5 stars |
| Capital Medical Center Olympia | 21 mi | Acute care | 3 of 5 stars |
| St. Clare Hospital Lakewood | 21 mi | Acute care | 4 of 5 stars |
The closest hospital to Rainier is Providence Centralia Hospital in Centralia, about 14 miles away. The highest-rated hospital in that list is St. Clare 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.
Skilled nursing near Rainier
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Lacey Post Acute & Rehabilitation Lacey | 10 mi | 120 | 2 of 5 stars |
| Crystal Cove Post Acute Lacey | 11 mi | 96 | not rated |
| Panorama City Conv & Rehab Ctr Lacey | 12 mi | 155 | 5 of 5 stars |
| Woodard Creek Health & Rehabilitation Olympia | 13 mi | 152 | 1 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Rainier. The highest-rated is Panorama City Conv & Rehab Ctr in Lacey (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Thurston County notes
Of the regional Blue plans, Regence BlueShield sells in Thurston County. WSHIP status: reasonable-choice county (what that means). See the Thurston County page for the county-wide view.
Nearby
ZIP codes around Rainier: 98576.
Common questions
What is the cheapest Medigap Plan G in Rainier, 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 Rainier?
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 Thurston County.
Can I use Medigap at Providence Centralia 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 Rainier 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)