Medigap in Torboy, WA: Medicare Supplement plans and prices

CMS lists 22 clinicians with practice locations within 8 miles of Torboy, including 17 in primary care (family and internal medicine, nurse practitioners and physician assistants). Every one of them is listed as accepting Medicare assignment, so a Part B excess charge is unlikely for care in town. That removes the main extra risk of Plan N for local care. Most specialist care will mean a trip to Spokane, about 90 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. Few or none practice cardiology, cancer care, orthopedics, eye care, kidney care, and neurology within 25 miles. Practices with Medicare clinicians near Torboy include Ferry County Public Hospital District No 1 and Integra Imaging PS.

The closest hospital to Torboy is Ferry County Memorial Hospital in Republic, about 4 miles away (a critical access hospital: a small rural hospital with 25 or fewer inpatient beds). The highest-rated hospital in that list is Providence Mount Carmel Hospital, 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.

No Medicare-certified nursing home is within 35 miles. The closest is Buena Vista Healthcare in Colville, about 35 miles away. Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Torboy is about 23 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.

Of the regional Blue plans, Asuris Northwest Health sells in Ferry County. WSHIP status: not a reasonable-choice county (what that means). See the Ferry County page for the county-wide view.