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Medigap in Ruston, WA: Medicare Supplement plans and prices

Ruston 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)
1,048
Insurers selling here
15
Lowest Plan G open to all 65+
$239/mo
Lowest Plan N open to all 65+
$189/mo
Nearest hospital
4 miles

Plan G and Plan N prices in Ruston

InsurerPlan GPlan NHD 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–
Monthly, age 65+. Highlighted = lowest open to any 65+ applicant. All plans and insurers in Pierce County. OIC chart, October 8, 2026.

Doctors around Ruston

CMS lists 6,320 clinicians with practice locations within 8 miles of Ruston, including 2,770 in primary care (family and internal medicine, nurse practitioners and physician assistants). 216 of them (3.4%) 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, cardiology, cancer care, chiropractic, and neurology. Practices with Medicare clinicians near Ruston include Twin Lakes Counseling, PLLC, Kosnoski Eye Care Inc., Sea Mar Community Health Centers, Cb Chiropractic PLLC, and Franciscan Medical Group.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology4884 mi, Tacoma
Cancer care4574 mi, Tacoma
Orthopedics296in town
Eye care627in town
Kidney care1433 mi, Fircrest
Neurology336in town
Lung care1924 mi, Tacoma
Digestive care211in town
Urology1454 mi, Tacoma
Dermatology1474 mi, Tacoma
Diabetes and hormone care874 mi, Tacoma
Ear, nose and throat1404 mi, Tacoma
Physical therapy1,823in town
Mental health1,317in town
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 Ruston

HospitalDistanceTypeCMS overall rating
St. Joseph Medical Center
Tacoma
4 miAcute care3 of 5 stars
Tacoma General Allenmore Hospital
Tacoma
4 miAcute care2 of 5 stars
St. Anthony Hospital
Gig Harbor
6 miAcute care5 of 5 stars
St. Clare Hospital
Lakewood
9 miAcute care4 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Ruston is St. Joseph Medical Center in Tacoma, about 4 miles away. The highest-rated hospital in that list is St. Anthony Hospital, 5 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 Ruston

Skilled nursing facilityDistanceBedsCMS overall rating
Cottesmore of Life Care
Gig Harbor
2 mi1085 of 5 stars
Eliseo
Tacoma
3 mi1873 of 5 stars
Avamere Transitional Care of Puget Sound
Tacoma
3 mi605 of 5 stars
Gig Harbor Health and Rehabilitation
Gig Harbor
3 mi1201 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 Ruston. The highest-rated is Cottesmore of Life Care in Gig Harbor (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 Ruston: 98403, 98406, 98407, 98416, 98465.

Common questions

What is the cheapest Medigap Plan G in Ruston, 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 Ruston?

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.

Do doctors near Ruston accept Medicare assignment?

Of 6,320 clinicians CMS lists within 8 miles, 6,104 (96.6%) always accept assignment and 216 may not.

Can I use Medigap at St. Joseph 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 Ruston 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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