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Medigap in Roy, WA: Medicare Supplement plans and prices
Roy is in Pierce 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
- Pierce County
- Population (2024 estimate)
- 803
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 12 miles
Plan G and Plan N prices in Roy
| 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 Roy
CMS lists only 5 clinicians with practice locations within 8 miles of Roy. Most specialist care will mean a trip to Lakewood, about 12 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, eye care, chiropractic, cardiology, general surgery, and orthopedics. Practices with Medicare clinicians near Roy include Elevated Eyecare LLC and Wayne Radiologists P A.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 261 | 12 mi, Lakewood |
| Cancer care | 164 | 12 mi, Parkland |
| Orthopedics | 173 | 12 mi, Lakewood |
| Eye care | 325 | 8 mi, Fort Lewis |
| Kidney care | 78 | 12 mi, Lakewood |
| Neurology | 134 | 12 mi, Parkland |
| Lung care | 107 | 12 mi, Lakewood |
| Digestive care | 106 | 12 mi, Parkland |
| Urology | 84 | 12 mi, Lakewood |
| Dermatology | 61 | 12 mi, Lakewood |
| Diabetes and hormone care | 38 | 12 mi, Parkland |
| Ear, nose and throat | 63 | 12 mi, Lakewood |
| Physical therapy | 926 | 9 mi, Elk Plain |
| Mental health | 616 | 9 mi, Elk Plain |
Hospitals near Roy
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| St. Clare Hospital Lakewood | 12 mi | Acute care | 4 of 5 stars |
| Providence St. Peter Hospital Olympia | 18 mi | Acute care | 3 of 5 stars |
| St. Joseph Medical Center Tacoma | 18 mi | Acute care | 3 of 5 stars |
| Tacoma General Allenmore Hospital Tacoma | 18 mi | Acute care | 2 of 5 stars |
The closest hospital to Roy is St. Clare Hospital in Lakewood, about 12 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 Roy
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| The Oaks at Lakewood Tacoma | 11 mi | 80 | 5 of 5 stars |
| Crystal Cove Post Acute Lacey | 12 mi | 96 | not rated |
| Tacoma Nursing and Rehabilitation Center Tacoma | 13 mi | 150 | 5 of 5 stars |
| Lacey Post Acute & Rehabilitation Lacey | 14 mi | 120 | 2 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Roy. The highest-rated is The Oaks at Lakewood in Tacoma (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Pierce County notes
Of the regional Blue plans, Regence BlueShield sells in Pierce County. WSHIP status: reasonable-choice county (what that means). See the Pierce County page for the county-wide view.
Nearby
ZIP codes around Roy: 98558, 98580.
Common questions
What is the cheapest Medigap Plan G in Roy, 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 Roy?
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 Pierce County.
Can I use Medigap at St. Clare 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 Roy 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)