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

CMS lists 35 clinicians with practice locations within 8 miles of Roche Harbor, including 8 in primary care (family and internal medicine, nurse practitioners and physician assistants). 3 of them are listed as sometimes declining Medicare assignment. That's too few clinicians to call the local rate high or low (statewide it's 4.5%), so ask your own providers whether they accept assignment. Most specialist care will mean a trip to Bellingham, about 32 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, and chiropractic. Few or none practice cardiology, cancer care, orthopedics, eye care, kidney care, and neurology within 25 miles. Practices with Medicare clinicians near Roche Harbor include Northwest Radiologists Inc. PS and PeaceHealth.

The closest hospital to Roche Harbor is PeaceHealth Peace Island Medical Center in Friday Harbor, about 4 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 Roche Harbor. The highest-rated is Mt. Baker Care Center in Bellingham (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Roche Harbor is about 27 miles from the Canadian border. Medicare pays almost nothing in Canada; Plans G and N pay 80% of emergency care abroad after a $250 yearly deductible (lifetime limit $50,000). Plan K and Plan A don't.

Of the regional Blue plans, Regence BlueShield sells in San Juan County. WSHIP status: not a reasonable-choice county (what that means). See the San Juan County page for the county-wide view.