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Medigap in ZIP code 98277, Oak 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.

98277 is in Island County, where 15 insurers sell Medicare Supplement plans: 15 sell Plan G and 14 sell Plan N.

ZIP 98277, Island County

County: Island
Closest community: Oak Harbor
Medicare clinicians in 98277: 88
Nearest hospital: 9 mi

CMS lists 88 Medicare clinicians practicing at addresses in 98277; 4 may not always accept Medicare assignment. Practices here include Whidbey Island Public Hospital District, Oak Harbor Primary Care PLLC, Integrated Rehabilitation Group Pc, Family Dermatology Co, Sunrise Services Inc., and Whidbey Medical Clinic PLLC. Counting everything within 8 miles of the ZIP's center: 110 clinicians, 4.5% sometimes declining assignment (statewide 4.5%). Nearest general hospital: WhidbeyHealth Medical Center in Coupeville, about 9 miles. Nearest Medicare-certified nursing home: Regency Coupeville Rehab and Nursing Center, about 8 miles (2 of 5 stars).

27,342 people on Medicare in Island County58% in Original Medicare (WA 50%)11% of those 65+ are 85 or older

Medigap plans sold in 98277

Island County line-up. Full list: Oak Harbor. OIC chart, October 8, 2026.
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

Source: CMS Doctors and Clinicians file.
Specialty in 98277	Clinicians
Mental health	13
Physical therapy	9
Chiropractic	5
Foot care	4
Eye care	2
Dermatology	2
General surgery	2
Cardiology	1

Hospitals near 98277

Straight-line distance from the town center. Source: CMS Hospital General Information.
Hospital	Distance	Type	CMS overall rating
WhidbeyHealth Medical Center Coupeville	9 mi	Critical access	2 of 5 stars
Island Hospital Anacortes	9 mi	Acute care	4 of 5 stars
Jefferson Healthcare Port Townsend	21 mi	Critical access	3 of 5 stars

Communities near 98277

Oak Harbor (2 mi)
Whidbey Island Station (2 mi)
Coupeville (8 mi)
La Conner (8 mi)
Anacortes (12 mi)

Neighboring ZIP codes: 98278, 98257, 98239, 98221, 98282, 98273.

Common questions

Which insurers sell Medigap Plan G in 98277?

15 insurers sell Plan G to Island County residents (OIC chart current as of October 8, 2026).

How many Medigap insurers sell in 98277?

15, the Island County line-up.