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Medigap in Shadow Lake, WA: Medicare Supplement plans and insurers
Shadow Lake is an unincorporated community in King 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 Shadow Lake.
- County
- King County
- Insurers selling here
- 15
- Sell Plan G
- 15
- Sell Plan N
- 14
- Nearest hospital
- 3 miles
Who sells Plan G and Plan N in Shadow Lake
| 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 Shadow Lake
CMS lists 2,084 clinicians with practice locations within 8 miles of Shadow Lake, including 956 in primary care (family and internal medicine, nurse practitioners and physician assistants). 108 of them (5.2%) are listed as sometimes declining assignment, close to the 4.5% statewide figure. Ask each provider whether they accept assignment; if they all do, Plan N's excess-charge gap won't affect you. Within 25 miles, CMS lists clinicians in physical therapy, mental health, eye care, cardiology, chiropractic, cancer care, and neurology. Practices with Medicare clinicians near Shadow Lake include MultiCare Health System, Healthpoint, Kosnoski Eye Care Inc., Mb2k LLC, and Valley Medical Group-renton.
How far to each kind of specialist
| Specialty | Clinicians within 25 mi | Nearest |
|---|---|---|
| Cardiology | 547 | 3 mi, Covington |
| Cancer care | 520 | 6 mi, Kent |
| Orthopedics | 407 | 3 mi, Covington |
| Eye care | 894 | 3 mi, Fairwood |
| Kidney care | 175 | 6 mi, Kent |
| Neurology | 478 | 3 mi, Covington |
| Lung care | 248 | 6 mi, Kent |
| Digestive care | 311 | 3 mi, Covington |
| Urology | 196 | 3 mi, Covington |
| Dermatology | 229 | 3 mi, Covington |
| Diabetes and hormone care | 121 | 3 mi, Covington |
| Ear, nose and throat | 183 | 3 mi, Covington |
| Physical therapy | 2,258 | 3 mi, Fairwood |
| Mental health | 1,652 | 3 mi, Covington |
Hospitals near Shadow Lake
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| MultiCare Covington Medical Center Covington | 3 mi | Acute care | 3 of 5 stars |
| Valley Medical Center Renton | 6 mi | Acute care | 2 of 5 stars |
| MultiCare Auburn Medical Center Auburn | 11 mi | Acute care | 2 of 5 stars |
| Swedish Issaquah Issaquah | 11 mi | Acute care | 4 of 5 stars |
The closest hospital to Shadow Lake is MultiCare Covington Medical Center in Covington, about 3 miles away. The highest-rated hospital in that list is Swedish Issaquah, 4 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 Shadow Lake
| Skilled nursing facility | Distance | Beds | CMS overall rating |
|---|---|---|---|
| Benson Heights Rehabilitation Center Kent | 6 mi | 91 | 4 of 5 stars |
| Cedar River Healthcare Center Renton | 6 mi | 60 | 3 of 5 stars |
| Valley View Skilled Nursing and Rehabilitation Renton | 7 mi | 136 | 3 of 5 stars |
| North Auburn Care Auburn | 8 mi | 125 | 2 of 5 stars |
4 Medicare-certified nursing homes are within 35 miles of Shadow Lake. The highest-rated is Benson Heights Rehabilitation Center in Kent (4 of 5 stars). Plans G and N pay the $217-a-day coinsurance for days 21 to 100 (2026).
King County notes
Of the regional Blue plans, Regence BlueShield sells in King County. WSHIP status: reasonable-choice county (what that means). See the King County page for the county-wide view.
Nearby
ZIP codes around Shadow Lake: 98042, 98058.
- Maple Heights-Lake Desire
- Covington
- Maple Valley
- Hobart
- Fairwood
- East Renton Highlands
- Lake Morton-Berrydale
- Ravensdale
Common questions
Which insurers sell Medigap Plan G in Shadow Lake, 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 Shadow Lake?
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 King County.
Do doctors near Shadow Lake accept Medicare assignment?
Of 2,084 clinicians CMS lists within 8 miles, 1,976 (94.8%) always accept assignment and 108 may not.
Can I use Medigap at MultiCare Covington Medical Center?
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 Shadow Lake 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)