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Medigap in Ephrata, WA: Medicare Supplement plans and insurers
Ephrata is in Grant County. 15 of the insurers we track sell Medicare Supplement policies to its residents: 15 sell Plan G and 14 sell Plan N. Below: who they are, plus the doctors, hospitals and skilled nursing facilities near Ephrata.
- County
- Grant County
- Population (2024 estimate)
- 8,718
- Insurers selling here
- 15
- Sell Plan G
- 15
- Sell Plan N
- 14
- Nearest hospital
- 5 miles
Who sells Plan G and Plan N in Ephrata
| Insurer | Plan G | Plan N | HD Plan G |
|---|---|---|---|
| Asuris | ✓ | ✓ | – |
| Bankers Reserve Life | ✓ | ✓ | – |
| First Health Life & Health | ✓ | ✓ | – |
| GPM Health & Life | ✓ | ✓ | – |
| HumanaDental | ✓ | ✓ | ✓ |
| Insurance Company of North America | ✓ | ✓ | ✓ |
| Medco Containment Life | ✓ | ✓ | – |
| Premera | ✓ | ✓ | ✓ |
| State Farm sold through State Farm agents | ✓ | ✓ | – |
| USAA USAA eligibility required | ✓ | ✓ | – |
| United American | ✓ | ✓ | ✓ |
| United World Life (Mutual of Omaha) | ✓ | ✓ | ✓ |
| UnitedHealthcare (AARP) AARP membership required | ✓ | ✓ | – |
| WA Health Care Authority Premera Plan G state-sponsored group plan | ✓ | – | – |
| Washington National | ✓ | ✓ | ✓ |
Doctors around Ephrata
CMS lists 115 clinicians with practice locations within 8 miles of Ephrata, including 47 in primary care (family and internal medicine, nurse practitioners and physician assistants). Only 2 (1.7%) are listed as sometimes declining assignment, below the 4.5% statewide figure. Excess charges are rare here, which favors Plan N for people who don't see specialists often. Within 25 miles, CMS lists clinicians in mental health, physical therapy, eye care, chiropractic, orthopedics, digestive care, and general surgery. Few or none practice cancer care, kidney care, and neurology within 25 miles. Practices with Medicare clinicians near Ephrata include Grant County Public Hospital District No. 3 and Wenatchee Valley Hospital.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 4 | 5 mi, Ephrata |
| Cancer care | 2 | 15 mi, Cascade Valley |
| Orthopedics | 9 | 5 mi, Ephrata |
| Eye care | 13 | 5 mi, Ephrata |
| Kidney care | 1 | 15 mi, Cascade Valley |
| Neurology | 0 | 39 mi, Wenatchee |
| Lung care | 1 | 15 mi, Cascade Valley |
| Digestive care | 5 | 15 mi, Cascade Valley |
| Urology | 2 | 5 mi, Ephrata |
| Dermatology | 1 | 15 mi, Cascade Valley |
| Diabetes and hormone care | 0 | 39 mi, Wenatchee |
| Ear, nose and throat | 1 | 15 mi, Cascade Valley |
| Physical therapy | 14 | 5 mi, Ephrata |
| Mental health | 23 | 5 mi, Ephrata |
Hospitals near Ephrata
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Columbia Basin Hospital Ephrata | 5 mi | Critical access | not rated |
| Samaritan Hospital Moses Lake | 15 mi | Acute care | 2 of 5 stars |
| Quincy Valley Medical Center Quincy | 18 mi | Critical access | not rated |
| Odessa Memorial Healthcare Center Odessa | 36 mi | Critical access | not rated |
The closest hospital to Ephrata is Columbia Basin Hospital in Ephrata, about 5 miles away (a critical access hospital: a small rural hospital with 25 or fewer inpatient beds). The highest-rated hospital in that list is Samaritan Hospital, 2 of 5 stars on CMS's overall rating. Medigap has no hospital network: the Part A deductible ($1,736 in 2026) is covered the same here as anywhere.
Skilled nursing near Ephrata
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Columbia Basin Hospital Ephrata | under 1 mi | 12 | 4 of 5 stars |
| McKay Healthcare & Rehab Ctr Soap Lake | 6 mi | 42 | 3 of 5 stars |
| Lake Ridge Center Moses Lake | 18 mi | 74 | 2 of 5 stars |
| Columbia Crest Center Moses Lake | 19 mi | 111 | 2 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Ephrata. The highest-rated is Columbia Basin Hospital in Ephrata (4 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Grant County notes
Of the regional Blue plans, Asuris Northwest Health sells in Grant County. WSHIP status: not a reasonable-choice county (what that means). See the Grant County page for the county-wide view.
Nearby
ZIP codes around Ephrata: 98823.
Common questions
Which insurers sell Medigap Plan G in Ephrata, WA?
15: Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, State Farm, USAA, United American, United World Life (Mutual of Omaha), UnitedHealthcare (AARP), WA Health Care Authority Premera Plan G, Washington National, on the OIC chart current as of October 8, 2026.
Which Medigap insurers sell in Ephrata?
15: Asuris, Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, State Farm, USAA, United American, United World Life (Mutual of Omaha), UnitedHealthcare (AARP), WA Health Care Authority Premera Plan G, Washington National. They sell throughout Grant County.
Do doctors near Ephrata accept Medicare assignment?
Of 115 clinicians CMS lists within 8 miles, 113 (98.3%) always accept assignment and 2 may not.
Can I use Medigap at Columbia Basin Hospital?
Yes, if it accepts Medicare, which every hospital in this list does. Medigap has no network, except Medicare SELECT policies.
Is Medigap more expensive in Ephrata than in Seattle?
No. Each insurer charges the same premium for a plan everywhere it sells in Washington. What differs is which insurers sell in your county.
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)