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Medigap in Valley, WA: Medicare Supplement plans and prices
Valley is an unincorporated community in Stevens 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
- Stevens 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 Valley
| 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 Valley
CMS lists no clinician practice locations within 8 miles of Valley. Most specialist care will mean a trip to Spokane, about 37 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, eye care, chiropractic, cardiology, and general surgery. Few or none practice cancer care, orthopedics, kidney care, and neurology within 25 miles.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 7 | 25 mi, Newport |
| Cancer care | 0 | 30 mi, Fairwood |
| Orthopedics | 1 | 25 mi, Newport |
| Eye care | 7 | 18 mi, Deer Park |
| Kidney care | 0 | 30 mi, Fairwood |
| Neurology | 0 | 30 mi, Fairwood |
| Lung care | 0 | 30 mi, Fairwood |
| Digestive care | 0 | 30 mi, Fairwood |
| Urology | 0 | 30 mi, Fairwood |
| Dermatology | 0 | 30 mi, Fairwood |
| Diabetes and hormone care | 0 | 39 mi, Spokane |
| Ear, nose and throat | 0 | 32 mi, Fairwood |
| Physical therapy | 10 | 18 mi, Deer Park |
| Mental health | 10 | 8 mi, Chewelah |
Hospitals near Valley
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Providence St. Joseph Hospital Chewelah | 8 mi | Critical access | not rated |
| Newport Community Hospital Newport | 25 mi | Critical access | not rated |
| Providence Holy Family Hospital Spokane | 30 mi | Acute care | 3 of 5 stars |
| Providence Mount Carmel Hospital Colville | 33 mi | Critical access | 3 of 5 stars |
The closest hospital to Valley is Providence St. Joseph Hospital in Chewelah, about 8 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 Holy Family 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.
Skilled nursing near Valley
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Colville Health and Rehabilitation of Cascadia Colville | 26 mi | 92 | 1 of 5 stars |
| Buena Vista Healthcare Colville | 28 mi | 40 | 5 of 5 stars |
| Avalon Care Center at Northpointe Spokane | 33 mi | 119 | 3 of 5 stars |
| Regency at Northpointe Spokane | 33 mi | 120 | 5 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Valley. The highest-rated is Buena Vista Healthcare in Colville (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Stevens County notes
Of the regional Blue plans, Asuris Northwest Health sells in Stevens County. WSHIP status: not a reasonable-choice county (what that means). See the Stevens County page for the county-wide view.
Nearby
ZIP codes around Valley: 99181.
Common questions
What is the cheapest Medigap Plan G in Valley, 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 Valley?
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 Stevens County.
Can I use Medigap at Providence St. Joseph Hospital?
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 Valley 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)