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Medigap in Sumas, WA: Medicare Supplement plans and prices

Sumas is in Whatcom 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
Whatcom County
Population (2024 estimate)
1,683
Insurers selling here
15
Lowest Plan G open to all 65+
$239/mo
Lowest Plan N open to all 65+
$189/mo
Nearest hospital
20 miles

Plan G and Plan N prices in Sumas

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 Whatcom County. OIC chart, October 8, 2026.

Doctors around Sumas

CMS lists only 15 clinicians with practice locations within 8 miles of Sumas. Most specialist care will mean a trip to Bellingham, about 19 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, chiropractic, cardiology, orthopedics, and general surgery. Practices with Medicare clinicians near Sumas include Sea Mar Community Health Centers and Nooksack Central Management System.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology319 mi, Lynden
Cancer care1516 mi, Bellingham
Orthopedics219 mi, Lynden
Eye care799 mi, Lynden
Kidney care420 mi, Bellingham
Neurology1316 mi, Bellingham
Lung care1320 mi, Bellingham
Digestive care1816 mi, Bellingham
Urology816 mi, Bellingham
Dermatology1016 mi, Bellingham
Diabetes and hormone care316 mi, Bellingham
Ear, nose and throat720 mi, Bellingham
Physical therapy1257 mi, Everson
Mental health1897 mi, Everson
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 Sumas

HospitalDistanceTypeCMS overall rating
PeaceHealth St. Joseph Medical Center
Bellingham
20 miAcute care4 of 5 stars
PeaceHealth United General Medical Center
Sedro Woolley
32 miCritical access3 of 5 stars
Island Hospital
Anacortes
40 miAcute care4 of 5 stars
Skagit Valley Hospital
Mount Vernon
45 miAcute care3 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Sumas is PeaceHealth St. Joseph Medical Center in Bellingham, about 20 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 Sumas

Skilled nursing facilityDistanceBedsCMS overall rating
Christian Health Care Center
Lynden
8 mi1225 of 5 stars
North Cascades Health and Rehabilitation
Bellingham
16 mi1222 of 5 stars
Avalon Healthcare Bellingham
Bellingham
18 mi1055 of 5 stars
Alderwood Park Health and Rehab of Cascadia
Bellingham
18 mi1025 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 Sumas. The highest-rated is Christian Health Care Center in Lynden (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Crossing into Canada

Sumas is about 0 miles from the Canadian border. Medicare pays almost nothing in Canada; Plans G and N pay 80% of emergency care abroad after a $250 yearly deductible (lifetime limit $50,000). Plan K and Plan A don't.

Whatcom County notes

Of the regional Blue plans, Regence BlueShield sells in Whatcom County. WSHIP status: reasonable-choice county (what that means). See the Whatcom County page for the county-wide view.

Nearby

ZIP codes around Sumas: 98295.

Common questions

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

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 Whatcom County.

Can I use Medigap at PeaceHealth St. Joseph 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 Sumas 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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