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Medigap in Three Lakes, WA: Medicare Supplement plans and prices

Three Lakes is an unincorporated community in Snohomish 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
Snohomish 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
8 miles

Plan G and Plan N prices in Three Lakes

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 Snohomish County. OIC chart, October 8, 2026.

Doctors around Three Lakes

CMS lists 147 clinicians with practice locations within 8 miles of Three Lakes, including 52 in primary care (family and internal medicine, nurse practitioners and physician assistants). 8 of them (5.4%) 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, cardiology, neurology, and orthopedics. Practices with Medicare clinicians near Three Lakes include Summit Rehabilitation PLLC, Express Care Wa Pc, and Optum Care Washington PLLC.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology212in town
Cancer care111in town
Orthopedics1198 mi, Woods Creek
Eye care349in town
Kidney care5310 mi, Everett
Neurology16910 mi, Everett
Lung care4310 mi, Everett
Digestive care117in town
Urology6710 mi, Everett
Dermatology807 mi, Lake Cassidy
Diabetes and hormone care3710 mi, Everett
Ear, nose and throat4110 mi, Everett
Physical therapy923in town
Mental health1,125in town
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 Three Lakes

HospitalDistanceTypeCMS overall rating
EvergreenHealth Monroe
Monroe
8 miAcute care3 of 5 stars
Providence Regional Medical Center Everett
Everett
10 miAcute care4 of 5 stars
Cascade Valley Hospital
Arlington
18 miAcute care4 of 5 stars
Swedish Edmonds Hospital
Edmonds
18 miAcute care3 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Three Lakes is EvergreenHealth Monroe in Monroe, about 8 miles away. The highest-rated hospital in that list is Providence Regional Medical Center Everett, 4 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 Three Lakes

Skilled nursing facilityDistanceBedsCMS overall rating
Snohomish Health and Rehabilitation of Cascadia
Snohomish
6 mi912 of 5 stars
Regency Care Center at Monroe
Monroe
7 mi925 of 5 stars
Madison Post Acute
Everett
10 mi592 of 5 stars
Bethany at Pacific
Everett
11 mi804 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 Three Lakes. The highest-rated is Regency Care Center at Monroe in Monroe (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Snohomish County notes

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

Nearby

ZIP codes around Three Lakes: 98290.

Common questions

What is the cheapest Medigap Plan G in Three Lakes, 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 Three Lakes?

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 Snohomish County.

Do doctors near Three Lakes accept Medicare assignment?

Of 147 clinicians CMS lists within 8 miles, 139 (94.6%) always accept assignment and 8 may not.

Can I use Medigap at EvergreenHealth Monroe?

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 Three Lakes 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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