Home / Cities / Twin Lakes / ZIP 99138
Medigap in ZIP code 99138, Twin Lakes 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.
99138 is in Ferry County, where 15 insurers sell Medicare Supplement plans: 15 sell Plan G and 14 sell Plan N.
- County
- Ferry
- Closest community
- Twin Lakes
- Medicare clinicians in 99138
- 9
- Nearest hospital
- 29 mi
CMS lists 9 Medicare clinicians practicing at addresses in 99138, all listed as always accepting Medicare assignment. Practices here include Colville Nation Community Health Centers. Counting everything within 8 miles of the ZIP's center: 9 clinicians, 0.0% sometimes declining assignment (statewide 4.5%). Nearest general hospital: Ferry County Memorial Hospital in Republic, about 29 miles. Nearest Medicare-certified nursing home: Colville Tribal Convalescent C, about 28 miles (5 of 5 stars).
2,514 people on Medicare in Ferry County73% in Original Medicare (WA 50%)9% of those 65+ are 85 or older
Medigap plans sold in 99138
| Plan | Insurers | Who |
|---|---|---|
| Plan G | 15 | Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America and more |
| Plan N | 14 | Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America 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 | Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America and more |
| Plan K | 2 | Asuris, UnitedHealthcare (AARP) |
| Plan F | 13 | Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America and more |
| Specialty in 99138 | Clinicians |
|---|---|
| Mental health | 1 |
| Foot care | 1 |
| Eye care | 1 |
| Physical therapy | 1 |
Hospitals near 99138
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Ferry County Memorial Hospital Republic | 29 mi | Critical access | not rated |
| Providence St. Joseph Hospital Chewelah | 32 mi | Critical access | not rated |
| Coulee Medical Center Grand Coulee | 38 mi | Critical access | not rated |
Communities near 99138
- Twin Lakes (3 mi)
- Inchelium (11 mi)
- Keller (18 mi)
- Addy (27 mi)
- Nespelem (27 mi)
Neighboring ZIP codes: 99137, 99131, 99140, 99167, 99129, 99101.
Common questions
Which insurers sell Medigap Plan G in 99138?
15 insurers sell Plan G to Ferry County residents (OIC chart current as of October 8, 2026).
How many Medigap insurers sell in 99138?
15, the Ferry 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