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Medigap in Spanaway, WA: Medicare Supplement plans and prices

Spanaway is an unincorporated community 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
Insurers selling here
15
Lowest Plan G open to all 65+
$239/mo
Lowest Plan N open to all 65+
$189/mo
Nearest hospital
6 miles

Plan G and Plan N prices in Spanaway

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 Spanaway

CMS lists 1,524 clinicians with practice locations within 8 miles of Spanaway, including 756 in primary care (family and internal medicine, nurse practitioners and physician assistants). 43 of them (2.8%) 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, chiropractic, general surgery, and orthopedics. Practices with Medicare clinicians near Spanaway include MultiCare Health System, South Hill Family Medicine Pc, Kaiser Foundation Health Plan of Washington, Franciscan Medical Group, and Community Health Care.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology3565 mi, Frederickson
Cancer care1934 mi, Parkland
Orthopedics1945 mi, Frederickson
Eye care3893 mi, Elk Plain
Kidney care986 mi, Lakewood
Neurology1624 mi, Parkland
Lung care1226 mi, Lakewood
Digestive care1194 mi, Parkland
Urology876 mi, Lakewood
Dermatology606 mi, Summit View
Diabetes and hormone care504 mi, Parkland
Ear, nose and throat806 mi, Lakewood
Physical therapy1,1263 mi, Elk Plain
Mental health671in 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 Spanaway

HospitalDistanceTypeCMS overall rating
St. Clare Hospital
Lakewood
6 miAcute care4 of 5 stars
St. Joseph Medical Center
Tacoma
10 miAcute care3 of 5 stars
Tacoma General Allenmore Hospital
Tacoma
10 miAcute care2 of 5 stars
MultiCare Good Samaritan Hospital
Puyallup
11 miAcute care2 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Spanaway is St. Clare Hospital in Lakewood, about 6 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 Spanaway

Skilled nursing facilityDistanceBedsCMS overall rating
Tacoma Nursing and Rehabilitation Center
Tacoma
5 mi1505 of 5 stars
The Oaks at Lakewood
Tacoma
5 mi805 of 5 stars
Avalon Healthcare - Tacoma
Tacoma
6 mi812 of 5 stars
Heartwood Extended Healthcare
Tacoma
7 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 Spanaway. The highest-rated is Tacoma Nursing and Rehabilitation Center 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 Spanaway: 98387, 98444, 98445, 98446, 98447.

Common questions

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

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 Spanaway accept Medicare assignment?

Of 1,524 clinicians CMS lists within 8 miles, 1,481 (97.2%) always accept assignment and 43 may not.

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 Spanaway 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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