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We
want to sell you health insurance,
but we won't if what you already
have is what you should have.
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Medicare
supplemental insurance shopping in Oregon varies by where
you live. Portland, the bigger cities, and the I5 corridor
have more choices than other areas of the state. Medicare
Supplements (also referred to as Medigap policies); however,
are available statewide. The Cities in Oregon simply have
the added choice of Medicare Advantage plans including HMO
plans, PPO plans and Private-Fee-For-Service (PFFS) plans.
The
online health insurance quotes provided on this web site for
Medicare supplemental insurance plans only show you the plans
that are available in the county you enter on the form. This
allows you to focus on the senior health insurance plans we
offer that you can purchase.
Medicare
supplemental health insurance is confusing and may seem to
be overwhelming to many. Maybe this will help. There are two major
categories of supplemental plans: government designed plans
and government contracted plans.
Government
designed plans are the Medicare Supplements or Medigap policies.
They come in 12 standard choices with two of the choices available
with a simple modification. The choices are called Plan A,
Plan B, Plan C, Plan D, Plan E, Plan F, Plan G, Plan H, Plan
I, Plan J, Plan K and Plan L and the modified plans are the
High Deductible Plan F and the High Deductible Plan J.
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As the letters increase from A to J, the coverage generally increases
and the premiums are generally higher. Plans K and L are lower
coverage and lower cost alternatives. The high deductible
versions simply impose a deductible before the insurance company
pays any benefits as a way to cut your health insurance premium
costs.
One
important thing to remember. You don't have to waste much
time trying to figure out which company's Plan F Medicare
Supplement is better than the other company's. The government
designed the coverage and the insurance company is just providing
these senior health benefits. Cost is the major difference between two or
more Plan F policies other than customer service and quality
of company issues.
Government contracted
plans are the Medicare Advantage and include Medicare Cost
plans, HMO plans, PPO plans, and Medicare Private Fee For
Service (PFFS) plans. For these plans, the insurance company
and the government enter into a contract. As a perhaps an
oversimplification, the government essentially provides the
money and the insurance company provides the benefits and
plan administration. The concept is that private industry
can offer more benefits with the same money in exchange for
some plan restrictions on your part, and they often do just
that.
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