Home / Insurers / Aetna (First Health) / Island County
First Health Life & Health Medigap in Island County, WA
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
First Health Life & Health sells Plan A, Plan B, Plan G, Plan N, and Plan F to Island County residents, including Oak Harbor, Coupeville, and Langley. 14 other insurers we track also sell Medigap in the county.
27,342 people on Medicare in Island County58% in Original Medicare (WA 50%)11% of those 65+ are 85 or older
Aetna (First Health) plans in Island County
| Plan | Insurers selling it in the county | Note |
|---|---|---|
| Plan A | 14 | |
| Plan B | 3 | |
| Plan G | 15 | |
| Plan N | 14 | |
| Plan F | 13 | First eligible before 2020 only |
Policy terms. First Health Life & Health Medicare Supplement policies are guaranteed renewable, as all Medigap policies are. This insurer shows no pre-existing condition waiting period on the state chart, and may ask health questions outside guaranteed-issue periods. Medigap policies don't cover prescription drugs, routine dental, vision or hearing care, hearing aids, or long-term custodial care. Plans C and F are only for people first eligible for Medicare before 2020. For the policy form number, premiums, complete benefits, exclusions and limitations, see the insurer's outline of coverage, which you receive before you apply.
Buying Aetna (First Health) Medigap in Island County
First Health Life & Health is one of the insurers approved to sell Medicare Supplement policies in Washington. For Island County residents it offers Plan A, Plan B, Plan G, Plan N, and Plan F. Because it sells both Plan G and Plan N, you can compare the two side by side from one insurer: same company and service, different premium and cost-sharing. Its premium for a plan is the same for every policyholder 65 and older under Washington's community rating rule, so a quote for a Island County resident is the same as one for a resident anywhere else it sells. If you already have Medigap Plan B through N with another insurer, you can switch to this insurer's Plan B through N at any time without health questions.
What each plan leaves you paying
| Plan | Most you could owe for covered care in a year | What you pay along the way | Part B excess charges | Emergency care abroad |
|---|---|---|---|---|
| Plan G | $283 (the Part B deductible) | Nothing | Covered | 80% after $250 |
| Plan N | $283 plus copays | Up to $20 for some office visits, up to $50 for ER visits that don't lead to admission | Not covered | 80% after $250 |
| High-deductible Plan G | Up to $2,950 | You pay until the deductible is met, then nothing | Covered after the deductible | 80% after $250 |
| Plan K | Up to $8,000, plus the Part B deductible | 50% of most costs until the limit | Not covered | Not covered |
| Plan L | Up to $4,000, plus the Part B deductible | 25% of most costs until the limit | Not covered | Not covered |
| Plan A | $1,736 per hospital benefit period, plus $283 | Part A deductible and skilled nursing coinsurance | Not covered | Not covered |
Care in Island County
CMS lists 298 clinician practice listings in Island County, 5.0% of them marked as sometimes declining Medicare assignment (statewide 4.5%). The county has 1 Medicare hospital, including WhidbeyHealth Medical Center (2 of 5 stars).
Aetna (First Health) Medigap by town
Other insurers in Island County
| Insurer selling in Island County | A | B | D | G | HD-G | K | L | N | C | F | HD-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankers Reserve Life (Centene) | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| Aetna (First Health) | ✓ | ✓ | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| GPM Health & Life | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| Humana (HumanaDental) | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | ✓ |
| Chubb (INA) | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | – |
| HealthSpring (Medco Containment Life) | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | ✓ |
| Premera | ✓ | – | – | ✓ | ✓ | – | – | ✓ | ✓ | – | – |
| Regence BlueShield | ✓ | – | – | ✓ | – | ✓ | – | ✓ | ✓ | ✓ | – |
| State Farm | ✓ | – | ✓ | ✓ | – | – | – | ✓ | ✓ | ✓ | – |
| USAA | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| United American (Globe Life) | ✓ | ✓ | ✓ | ✓ | ✓ | – | – | ✓ | ✓ | ✓ | ✓ |
| Mutual of Omaha (United World Life) | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | – |
| AARP / UnitedHealthcare | ✓ | ✓ | – | ✓ | – | ✓ | ✓ | ✓ | ✓ | ✓ | – |
| Washington National | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | – |
| WA Health Care Authority Premera Plan G | – | – | – | ✓ | – | – | – | – | – | – | – |
Common questions
Which Medigap plans does Aetna (First Health) sell in Island County?
Plan A, Plan B, Plan G, Plan N, and Plan F (OIC chart current as of October 8, 2026).
Can I buy Aetna (First Health) Medigap through a local agent in Island County?
Yes. Medigap Assist (Maru Insurance) is appointed with First Health Life & Health and works with Island County residents by phone, email and video.