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Medigap in Steptoe, WA: Medicare Supplement plans and prices

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

Plan G and Plan N prices in Steptoe

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

Doctors around Steptoe

CMS lists no clinician practice locations within 8 miles of Steptoe. Most specialist care will mean a trip to Spokane Valley, about 46 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, eye care, cardiology, orthopedics, general surgery, and chiropractic. Few or none practice cancer care, kidney care, and neurology within 25 miles.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology1120 mi, Pullman
Cancer care120 mi, Pullman
Orthopedics712 mi, Colfax
Eye care1112 mi, Colfax
Kidney care042 mi, Pomeroy
Neurology043 mi, Spokane Valley
Lung care120 mi, Pullman
Digestive care120 mi, Pullman
Urology312 mi, Colfax
Dermatology320 mi, Pullman
Diabetes and hormone care120 mi, Pullman
Ear, nose and throat412 mi, Colfax
Physical therapy1520 mi, Pullman
Mental health1912 mi, Palouse
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 Steptoe

HospitalDistanceTypeCMS overall rating
Whitman Hospital and Medical Center
Colfax
12 miCritical access5 of 5 stars
Pullman Regional Hospital
Pullman
20 miCritical access2 of 5 stars
Garfield County Public Hospital District #1
Pomeroy
42 miCritical accessnot rated
Tri-State Memorial Hospital
Clarkston
44 miCritical access4 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Steptoe is Whitman Hospital and Medical Center in Colfax, about 12 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 Steptoe

Skilled nursing facilityDistanceBedsCMS overall rating
Colfax Health and Rehabilitation of Cascadia
Colfax
10 mi551 of 5 stars
Three Creeks Post Acute
Pullman
18 mi481 of 5 stars
Medicare-certified nursing homes. Source: CMS Nursing Home Provider Information, October 2026.

2 Medicare-certified nursing homes are within 35 miles of Steptoe. The highest-rated is Colfax Health and Rehabilitation of Cascadia in Colfax (1 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Care across the Idaho line

Steptoe is about 15 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 Steptoe: 99174.

Common questions

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

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 Steptoe 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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