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Medigap in Ocean Shores, WA: Medicare Supplement plans and insurers
Ocean Shores is in Grays Harbor 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 Ocean Shores.
- County
- Grays Harbor County
- Population (2024 estimate)
- 7,731
- Insurers selling here
- 15
- Sell Plan G
- 15
- Sell Plan N
- 14
- Nearest hospital
- 15 miles
Who sells Plan G and Plan N in Ocean Shores
| Insurer | Plan G | Plan N | HD Plan G |
|---|---|---|---|
| Bankers Reserve Life | ✓ | ✓ | – |
| First Health Life & Health | ✓ | ✓ | – |
| GPM Health & Life | ✓ | ✓ | – |
| HumanaDental | ✓ | ✓ | ✓ |
| Insurance Company of North America | ✓ | ✓ | ✓ |
| Medco Containment Life | ✓ | ✓ | – |
| Premera | ✓ | ✓ | ✓ |
| Regence BlueShield | ✓ | ✓ | – |
| 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 Ocean Shores
CMS lists only 16 clinicians with practice locations within 8 miles of Ocean Shores. Most specialist care will mean a trip to Olympia, about 59 miles away. Medigap pays the same at any provider in the country that accepts Medicare, so you aren't limited to one county's network. Within 25 miles, CMS lists clinicians in mental health, physical therapy, chiropractic, cardiology, eye care, cancer care, and orthopedics. Few or none practice kidney care and neurology within 25 miles. Practices with Medicare clinicians near Ocean Shores include Sea Mar Community Health Centers, Daniel Carl Burns Mspt Inc. PS, Grays Harbor Community Hospital, and Hoquiam Vision Clinic PS.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 8 | 15 mi, Aberdeen |
| Cancer care | 6 | 15 mi, Aberdeen |
| Orthopedics | 4 | 15 mi, Aberdeen |
| Eye care | 8 | in town |
| Kidney care | 0 | 33 mi, Bay Center |
| Neurology | 1 | 15 mi, Aberdeen |
| Lung care | 0 | 53 mi, Olympia |
| Digestive care | 0 | 36 mi, Elma |
| Urology | 1 | 15 mi, Aberdeen |
| Dermatology | 0 | 53 mi, Olympia |
| Diabetes and hormone care | 0 | 61 mi, Olympia |
| Ear, nose and throat | 0 | 53 mi, Olympia |
| Physical therapy | 15 | in town |
| Mental health | 16 | in town |
Hospitals near Ocean Shores
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Grays Harbor Community Hospital Aberdeen | 15 mi | Acute care | 3 of 5 stars |
| Willapa Harbor Hospital South Bend | 33 mi | Critical access | not rated |
| Summit Pacific Medical Center Elma | 36 mi | Critical access | 2 of 5 stars |
| Ocean Beach Hospital Ilwaco | 44 mi | Critical access | 2 of 5 stars |
The closest hospital to Ocean Shores is Grays Harbor Community Hospital in Aberdeen, about 15 miles away. Medigap has no hospital network: the Part A deductible ($1,736 in 2026) is covered the same here as anywhere.
Skilled nursing near Ocean Shores
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Pacific Care and Rehabilitation Hoquiam | 14 mi | 72 | 5 of 5 stars |
| Grays Harbor Health & Rehabilitation Center Aberdeen | 14 mi | 105 | 4 of 5 stars |
| Montesano Health-rehab Center Montesano | 26 mi | 94 | 4 of 5 stars |
| Willapa Harbor Care Raymond | 27 mi | 60 | 4 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Ocean Shores. The highest-rated is Pacific Care and Rehabilitation in Hoquiam (5 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
Grays Harbor County notes
Of the regional Blue plans, Regence BlueShield sells in Grays Harbor County. WSHIP status: not a reasonable-choice county (what that means). See the Grays Harbor County page for the county-wide view.
Nearby
ZIP codes around Ocean Shores: 98569.
Common questions
Which insurers sell Medigap Plan G in Ocean Shores, WA?
15: Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, Regence BlueShield, 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 Ocean Shores?
15: Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life, Premera, Regence BlueShield, 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 Grays Harbor County.
Can I use Medigap at Grays Harbor Community 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 Ocean Shores 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)