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Medigap in Willapa, WA: Medicare Supplement plans and prices

Willapa is an unincorporated community in Pacific 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
Pacific 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 Willapa

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 Pacific County. OIC chart, October 8, 2026.

Doctors around Willapa

CMS lists 20 clinicians with practice locations within 8 miles of Willapa, including 12 in primary care (family and internal medicine, nurse practitioners and physician assistants). 1 of them are listed as sometimes declining Medicare assignment. That's too few clinicians to call the local rate high or low (statewide it's 4.5%), so ask your own providers whether they accept assignment. Most specialist care will mean a trip to Olympia, about 44 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, cardiology, chiropractic, cancer care, general surgery, and orthopedics. Few or none practice kidney care and neurology within 25 miles. Practices with Medicare clinicians near Willapa include Willapa Counseling Center and South Sound Inpatient Physicians PLLC.

How far to each kind of specialist

SpecialtyClinicians within 25 miNearest
Cardiology1112 mi, Bay Center
Cancer care623 mi, Aberdeen
Orthopedics423 mi, Aberdeen
Eye care43 mi, Willapa
Kidney care112 mi, Bay Center
Neurology123 mi, Aberdeen
Lung care036 mi, Centralia
Digestive care030 mi, Elma
Urology123 mi, Aberdeen
Dermatology041 mi, Olympia
Diabetes and hormone care048 mi, Lacey
Ear, nose and throat041 mi, Olympia
Physical therapy1112 mi, Bay Center
Mental health203 mi, Willapa
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 Willapa

HospitalDistanceTypeCMS overall rating
Willapa Harbor Hospital
South Bend
12 miCritical accessnot rated
Grays Harbor Community Hospital
Aberdeen
23 miAcute care3 of 5 stars
Ocean Beach Hospital
Ilwaco
27 miCritical access2 of 5 stars
Summit Pacific Medical Center
Elma
30 miCritical access2 of 5 stars
Straight-line distance from the town center. Source: CMS Hospital General Information.

The closest hospital to Willapa is Willapa Harbor Hospital in South Bend, about 12 miles away (a critical access hospital: a small rural hospital with 25 or fewer inpatient beds). The highest-rated hospital in that list is Grays Harbor Community 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 Willapa

Skilled nursing facilityDistanceBedsCMS overall rating
Willapa Harbor Care
Raymond
4 mi604 of 5 stars
Montesano Health-rehab Center
Montesano
22 mi944 of 5 stars
Grays Harbor Health & Rehabilitation Center
Aberdeen
23 mi1054 of 5 stars
Pacific Care and Rehabilitation
Hoquiam
23 mi725 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 Willapa. The highest-rated is Pacific Care and Rehabilitation in Hoquiam (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).

Pacific County notes

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

Nearby

ZIP codes around Willapa: 98577.

Common questions

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

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 Pacific County.

Do doctors near Willapa accept Medicare assignment?

Of 20 clinicians CMS lists within 8 miles, 19 (95.0%) always accept assignment and 1 may not.

Can I use Medigap at Willapa Harbor 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 Willapa 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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