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Medigap in ZIP code 98245, Friday Harbor area
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
98245 is in San Juan County, where 15 insurers sell Medicare Supplement plans: 15 sell Plan G and 14 sell Plan N.
- County
- San Juan
- Closest community
- Friday Harbor
- Medicare clinicians in 98245
- 18
- Nearest hospital
- 11 mi
CMS lists 18 Medicare clinicians practicing at addresses in 98245, all listed as always accepting Medicare assignment. Practices here include Public Hospital District No 2 Skagit County Washington, Orcas Island Physical Therapy PLLC, Charlotte Radiology P A, Atlantic Radiologists Professional Association LLC, Atlantic Medical Imaging, and Ami Atlanticare LLC. Counting everything within 8 miles of the ZIP's center: 18 clinicians, 0.0% sometimes declining assignment (statewide 4.5%). Nearest general hospital: PeaceHealth Peace Island Medical Center in Friday Harbor, about 11 miles. Nearest Medicare-certified nursing home: Anacortes Health and Rehabilitation, about 18 miles (2 of 5 stars).
6,784 people on Medicare in San Juan County82% in Original Medicare (WA 50%)11% of those 65+ are 85 or older
Medigap plans sold in 98245
| Plan | Insurers | Who |
|---|---|---|
| Plan G | 15 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Plan N | 14 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| High-deductible Plan G | 6 | HumanaDental, Insurance Company of North America, Premera, United American, United World Life (Mutual of Omaha), Washington National |
| Plan A | 14 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Plan K | 2 | Regence BlueShield, UnitedHealthcare (AARP) |
| Plan F | 13 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Specialty in 98245 | Clinicians |
|---|---|
| Physical therapy | 3 |
| Chiropractic | 2 |
| Mental health | 1 |
| Eye care | 1 |
| General surgery | 1 |
Hospitals near 98245
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| PeaceHealth Peace Island Medical Center Friday Harbor | 11 mi | Critical access | not rated |
| PeaceHealth St. Joseph Medical Center Bellingham | 19 mi | Acute care | 4 of 5 stars |
| Island Hospital Anacortes | 20 mi | Acute care | 4 of 5 stars |
Communities near 98245
- Friday Harbor (11 mi)
- Roche Harbor (11 mi)
- Anacortes (18 mi)
- Marietta-Alderwood (18 mi)
- Birch Bay (19 mi)
Neighboring ZIP codes: 98279, 98280, 98297, 98243, 98286, 98222.
Common questions
Which insurers sell Medigap Plan G in 98245?
15 insurers sell Plan G to San Juan County residents (OIC chart current as of October 8, 2026).
How many Medigap insurers sell in 98245?
15, the San Juan County line-up.
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)
- U.S. Census Bureau 2024 ZCTA Gazetteer; 2020 ZCTA-to-county relationship file