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Medigap in Spokane, WA: Medicare Supplement plans and prices
Spokane is in Spokane 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
- Spokane County
- Population (2024 estimate)
- 230,609
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 0 miles
Plan G and Plan N prices in Spokane
| 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 | – |
| UnitedHealthcare (AARP) | $324 | $265 | – |
| HumanaDental | $330 | $267 | $66 |
| United World Life (Mutual of Omaha) | $379 | $265 | $61 |
| Asuris | $394 | $294 | – |
| GPM Health & Life | $466 | $239 | – |
Doctors around Spokane
CMS lists 3,391 clinicians with practice locations within 8 miles of Spokane, including 1,279 in primary care (family and internal medicine, nurse practitioners and physician assistants). 118 of them (3.5%) 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 mental health, physical therapy, eye care, chiropractic, cancer care, cardiology, and orthopedics. Practices with Medicare clinicians near Spokane include Summit Rehabilitation Associates, PLLC, Kalispel Indian Community of the Kalispel Reservation Washington, Community Health Association of Spokane, Providence Health and Services Washington, and Inland Imaging LLC.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 60 | in town |
| Cancer care | 76 | in town |
| Orthopedics | 41 | in town |
| Eye care | 149 | in town |
| Kidney care | 22 | in town |
| Neurology | 38 | in town |
| Lung care | 14 | in town |
| Digestive care | 36 | in town |
| Urology | 15 | in town |
| Dermatology | 33 | in town |
| Diabetes and hormone care | 6 | in town |
| Ear, nose and throat | 18 | in town |
| Physical therapy | 352 | in town |
| Mental health | 412 | in town |
Hospitals near Spokane
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Deaconess Medical Center Spokane | under 1 mi | Acute care | 3 of 5 stars |
| Providence Sacred Heart Medical Center & Children's Hospital Spokane | under 1 mi | Acute care | 3 of 5 stars |
| Providence Holy Family Hospital Spokane | 8 mi | Acute care | 3 of 5 stars |
| MultiCare Valley Hospital Spokane Valley | 10 mi | Acute care | 5 of 5 stars |
The closest hospital to Spokane is Deaconess Medical Center in Spokane, under 1 mile away. The highest-rated hospital in that list is MultiCare Valley 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 Spokane
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Spokane Veterans Home Spokane | 2 mi | 100 | 5 of 5 stars |
| Rockwood South Hill Spokane | 2 mi | 45 | 2 of 5 stars |
| South Hill Rehabilitation and Care Center Spokane | 2 mi | 113 | 5 of 5 stars |
| Emerson Health & Rehabilitation Spokane | 2 mi | 99 | 3 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Spokane. The highest-rated is Spokane Veterans Home in Spokane (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Care across the Idaho line
Spokane is about 18 miles from Idaho. Your Washington Medigap policy pays the same at Idaho doctors and hospitals that accept Medicare, with no network. Idaho doesn't ban Part B excess charges, so if you use providers there, Plan G's excess-charge coverage can matter.
Spokane County notes
Of the regional Blue plans, Asuris Northwest Health sells in Spokane County. WSHIP status: reasonable-choice county (what that means). See the Spokane County page for the county-wide view.
Nearby
ZIP codes around Spokane: 99201, 99202, 99203, 99204, 99205, 99207, 99258.
Common questions
What is the cheapest Medigap Plan G in Spokane, 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 Spokane?
15: Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, 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 Spokane County.
Do doctors near Spokane accept Medicare assignment?
Of 3,391 clinicians CMS lists within 8 miles, 3,273 (96.5%) always accept assignment and 118 may not.
Can I use Medigap at Deaconess 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 Spokane 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)