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Medigap in Sprague, WA: Medicare Supplement plans and prices
Sprague is in Lincoln 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
- Lincoln County
- Population (2024 estimate)
- 525
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 23 miles
Plan G and Plan N prices in Sprague
| 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 Sprague
CMS lists no clinician practice locations within 8 miles of Sprague. Most specialist care will mean a trip to Spokane, about 35 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 mental health, physical therapy, and chiropractic. Few or none practice cardiology, cancer care, orthopedics, eye care, kidney care, and neurology within 25 miles.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 0 | 35 mi, Spokane |
| Cancer care | 0 | 35 mi, Spokane |
| Orthopedics | 0 | 29 mi, Davenport |
| Eye care | 1 | 19 mi, Cheney |
| Kidney care | 0 | 35 mi, Spokane |
| Neurology | 0 | 31 mi, Airway Heights |
| Lung care | 0 | 35 mi, Spokane |
| Digestive care | 0 | 35 mi, Spokane |
| Urology | 0 | 35 mi, Spokane |
| Dermatology | 0 | 37 mi, Spokane |
| Diabetes and hormone care | 0 | 35 mi, Spokane |
| Ear, nose and throat | 0 | 35 mi, Spokane |
| Physical therapy | 6 | 19 mi, Cheney |
| Mental health | 21 | 19 mi, Cheney |
Hospitals near Sprague
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| East Adams Rural Hospital Ritzville | 23 mi | Rural emergency (no inpatient beds) | not rated |
| Lincoln Hospital Davenport | 29 mi | Critical access | not rated |
| Deaconess Medical Center Spokane | 35 mi | Acute care | 3 of 5 stars |
| Providence Sacred Heart Medical Center & Children's Hospital Spokane | 35 mi | Acute care | 3 of 5 stars |
The closest hospital to Sprague is East Adams Rural Hospital in Ritzville, about 23 miles away (a rural emergency hospital: emergency and outpatient care, but no inpatient beds). The nearest hospital that admits patients is Lincoln Hospital in Davenport, about 29 miles away. The highest-rated hospital in that list is Deaconess Medical Center, 3 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 Sprague
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Cheney Care Center Cheney | 23 mi | 54 | 3 of 5 stars |
| Lakeland Village Nursing Facility Medical Lake | 25 mi | 93 | 3 of 5 stars |
2 Medicare-certified nursing homes are within 35 miles of Sprague. The highest-rated is Cheney Care Center in Cheney (3 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Lincoln County notes
Of the regional Blue plans, Asuris Northwest Health sells in Lincoln County. WSHIP status: not a reasonable-choice county (what that means). See the Lincoln County page for the county-wide view.
Nearby
ZIP codes around Sprague: 99032.
Common questions
What is the cheapest Medigap Plan G in Sprague, 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 Sprague?
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 Lincoln County.
Can I use Medigap at East Adams Rural 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 Sprague 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)