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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
| 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 | – |
| 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 | – |
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
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 11 | 12 mi, Bay Center |
| Cancer care | 6 | 23 mi, Aberdeen |
| Orthopedics | 4 | 23 mi, Aberdeen |
| Eye care | 4 | 3 mi, Willapa |
| Kidney care | 1 | 12 mi, Bay Center |
| Neurology | 1 | 23 mi, Aberdeen |
| Lung care | 0 | 36 mi, Centralia |
| Digestive care | 0 | 30 mi, Elma |
| Urology | 1 | 23 mi, Aberdeen |
| Dermatology | 0 | 41 mi, Olympia |
| Diabetes and hormone care | 0 | 48 mi, Lacey |
| Ear, nose and throat | 0 | 41 mi, Olympia |
| Physical therapy | 11 | 12 mi, Bay Center |
| Mental health | 20 | 3 mi, Willapa |
Hospitals near Willapa
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Willapa Harbor Hospital South Bend | 12 mi | Critical access | not rated |
| Grays Harbor Community Hospital Aberdeen | 23 mi | Acute care | 3 of 5 stars |
| Ocean Beach Hospital Ilwaco | 27 mi | Critical access | 2 of 5 stars |
| Summit Pacific Medical Center Elma | 30 mi | Critical access | 2 of 5 stars |
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 facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Willapa Harbor Care Raymond | 4 mi | 60 | 4 of 5 stars |
| Montesano Health-rehab Center Montesano | 22 mi | 94 | 4 of 5 stars |
| Grays Harbor Health & Rehabilitation Center Aberdeen | 23 mi | 105 | 4 of 5 stars |
| Pacific Care and Rehabilitation Hoquiam | 23 mi | 72 | 5 of 5 stars |
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
- 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)