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Medigap in ZIP code 98640, Bay Center area
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
98640 is in Pacific County, where 15 insurers sell Medicare Supplement plans: 15 sell Plan G and 14 sell Plan N.
- County
- Pacific
- Closest community
- Bay Center
- Medicare clinicians in 98640
- 13
- Nearest hospital
- 11 mi
CMS lists 13 Medicare clinicians practicing at addresses in 98640; 1 may not always accept Medicare assignment. Practices here include Public Hospital District 3 of Pacific County. Counting everything within 8 miles of the ZIP's center: 17 clinicians, 5.9% sometimes declining assignment (statewide 4.5%). Nearest general hospital: Willapa Harbor Hospital in South Bend, about 11 miles. Nearest Medicare-certified nursing home: Willapa Harbor Care, about 14 miles (4 of 5 stars).
9,308 people on Medicare in Pacific County78% in Original Medicare (WA 50%)9% of those 65+ are 85 or older
Medigap plans sold in 98640
| Plan | Insurers | Who |
|---|---|---|
| Plan G | 15 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Plan N | 14 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| High-deductible Plan G | 6 | HumanaDental, Insurance Company of North America, Premera, United American, United World Life (Mutual of Omaha), Washington National |
| Plan A | 14 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Plan K | 2 | Regence BlueShield, UnitedHealthcare (AARP) |
| Plan F | 13 | Bankers Reserve Life, First Health Life & Health, GPM Health & Life, HumanaDental, Insurance Company of North America, Medco Containment Life and more |
| Specialty in 98640 | Clinicians |
|---|---|
| Mental health | 2 |
| Foot care | 1 |
Hospitals near 98640
| Hospital | Distance | Type | CMS overall rating |
|---|---|---|---|
| Willapa Harbor Hospital South Bend | 11 mi | Critical access | not rated |
| Ocean Beach Hospital Ilwaco | 21 mi | Critical access | 2 of 5 stars |
| Grays Harbor Community Hospital Aberdeen | 27 mi | Acute care | 3 of 5 stars |
Communities near 98640
- Bay Center (4 mi)
- Tokeland (6 mi)
- Ocean Park (9 mi)
- South Bend (12 mi)
- Grayland (15 mi)
Neighboring ZIP codes: 98641, 98590, 98527, 98547, 98586, 98631.
Common questions
Which insurers sell Medigap Plan G in 98640?
15 insurers sell Plan G to Pacific County residents (OIC chart current as of October 8, 2026).
How many Medigap insurers sell in 98640?
15, the Pacific County line-up.
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)
- U.S. Census Bureau 2024 ZCTA Gazetteer; 2020 ZCTA-to-county relationship file