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UnitedHealthcare Insurance Company Medigap in Spokane 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.
UnitedHealthcare Insurance Company sells Plan A, Plan B, Plan G, Plan K, Plan L, Plan N, Plan C, and Plan F to Spokane County residents, including Spokane, Spokane Valley, Liberty Lake, Cheney, Airway Heights, and Deer Park. 14 other insurers we track also sell Medigap in the county.
123,249 people on Medicare in Spokane County43% in Original Medicare (WA 50%)11% of those 65+ are 85 or older
AARP / UnitedHealthcare plans in Spokane County
| Plan | Insurers selling it in the county | Note |
|---|---|---|
| Plan A | 14 | |
| Plan B | 3 | |
| Plan G | 15 | |
| Plan K | 2 | |
| Plan L | 1 | |
| Plan N | 14 | |
| Plan C | 5 | First eligible before 2020 only |
| Plan F | 13 | First eligible before 2020 only |
These policies require AARP membership.
Policy terms. UnitedHealthcare Insurance Company 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 AARP / UnitedHealthcare Medigap in Spokane County
UnitedHealthcare Insurance Company is one of the insurers approved to sell Medicare Supplement policies in Washington. For Spokane County residents it offers Plan A, Plan B, Plan G, Plan K, Plan L, Plan N, Plan C, 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 Spokane 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 Spokane County
CMS lists 4,909 clinician practice listings in Spokane County, 3.8% of them marked as sometimes declining Medicare assignment (statewide 4.5%). The county has 4 Medicare hospitals, including MultiCare Valley Hospital (5 of 5 stars), Deaconess Medical Center (3 of 5 stars), and Providence Sacred Heart Medical Center & Children's Hospital (3 of 5 stars).
AARP / UnitedHealthcare Medigap by town
- Airway Heights
- Cheney
- Country Homes
- Deer Park
- Fairchild AFB
- Fairfield
- Fairwood
- Four Lakes
- Green Bluff
- Latah
- Liberty Lake
- Mead
- Medical Lake
- Millwood
- Otis Orchards-East Farms
- Rockford
- Spangle
- Spokane
- Spokane Valley
- Suncrest
- Town and Country
- Waverly
Other insurers in Spokane County
| Insurer selling in Spokane County | A | B | D | G | HD-G | K | L | N | C | F | HD-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asuris | ✓ | – | – | ✓ | – | ✓ | – | ✓ | ✓ | ✓ | – |
| Bankers Reserve Life (Centene) | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| Aetna (First Health) | ✓ | ✓ | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| GPM Health & Life | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | – |
| Humana (HumanaDental) | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | ✓ |
| Chubb (INA) | ✓ | – | – | ✓ | ✓ | – | – | ✓ | – | ✓ | – |
| HealthSpring (Medco Containment Life) | ✓ | – | – | ✓ | – | – | – | ✓ | – | ✓ | ✓ |
| Premera | ✓ | – | – | ✓ | ✓ | – | – | ✓ | ✓ | – | – |
| 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 AARP / UnitedHealthcare sell in Spokane County?
Plan A, Plan B, Plan G, Plan K, Plan L, Plan N, Plan C, and Plan F (OIC chart current as of October 8, 2026).
Can I buy AARP / UnitedHealthcare Medigap through a local agent in Spokane County?
Yes. Medigap Assist (Maru Insurance) is appointed with UnitedHealthcare Insurance Company and works with Spokane County residents by phone, email and video.