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Medigap in St. John, WA: Medicare Supplement plans and prices
St. John is in Whitman 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
- Whitman County
- Population (2024 estimate)
- 590
- Insurers selling here
- 15
- Lowest Plan G open to all 65+
- $239/mo
- Lowest Plan N open to all 65+
- $189/mo
- Nearest hospital
- 18 miles
Plan G and Plan N prices in St. John
| 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 St. John
CMS lists no clinician practice locations within 8 miles of St. John. Most specialist care will mean a trip to Spokane, about 40 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, and eye care. Few or none practice cardiology, cancer care, orthopedics, kidney care, and neurology within 25 miles.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 0 | 30 mi, Pullman |
| Cancer care | 0 | 30 mi, Pullman |
| Orthopedics | 2 | 18 mi, Colfax |
| Eye care | 3 | 18 mi, Colfax |
| Kidney care | 0 | 39 mi, Spokane |
| Neurology | 0 | 39 mi, Airway Heights |
| Lung care | 0 | 30 mi, Pullman |
| Digestive care | 0 | 30 mi, Pullman |
| Urology | 1 | 18 mi, Colfax |
| Dermatology | 0 | 30 mi, Pullman |
| Diabetes and hormone care | 0 | 30 mi, Pullman |
| Ear, nose and throat | 1 | 18 mi, Colfax |
| Physical therapy | 5 | 23 mi, Cheney |
| Mental health | 3 | 23 mi, Cheney |
Hospitals near St. John
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Whitman Hospital and Medical Center Colfax | 18 mi | Critical access | 5 of 5 stars |
| Pullman Regional Hospital Pullman | 30 mi | Critical access | 2 of 5 stars |
| East Adams Rural Hospital Ritzville | 37 mi | Rural emergency (no inpatient beds) | not rated |
| Deaconess Medical Center Spokane | 40 mi | Acute care | 3 of 5 stars |
The closest hospital to St. John is Whitman Hospital and Medical Center in Colfax, about 18 miles away (a critical access hospital: a small rural hospital with 25 or fewer inpatient beds). Medigap has no hospital network: the Part A deductible ($1,736 in 2026) is covered the same here as anywhere.
Skilled nursing near St. John
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Colfax Health and Rehabilitation of Cascadia Colfax | 18 mi | 55 | 1 of 5 stars |
| Cheney Care Center Cheney | 28 mi | 54 | 3 of 5 stars |
| Three Creeks Post Acute Pullman | 29 mi | 48 | 1 of 5 stars |
3 Medicare-certified nursing homes are within 35 miles of St. John. 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).
Care across the Idaho line
St. John is about 26 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.
Whitman County notes
Of the regional Blue plans, Asuris Northwest Health sells in Whitman County. WSHIP status: not a reasonable-choice county (what that means). See the Whitman County page for the county-wide view.
Nearby
ZIP codes around St. John: 99171.
Common questions
What is the cheapest Medigap Plan G in St. John, 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 St. John?
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 Whitman County.
Can I use Medigap at Whitman Hospital and 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 St. John 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)