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Medicare Advantage & Medicare Supplement Plans in Oregon

Online quotes make the selection of Medicare Supplements (Medigap policies) and Medicare Advantage plans much easier. Medicare Advantage plans include HMO plans, PPO plans and Private-Fee-For-Service (PFFS) plans. Helpful information guides you in the senior health insurance selection process in Oregon. An easy comparison chart of stand–alone Prescription Drug Plans (PDP) is also available.

 


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Medicare Advantage (MA) Plans and Medicare Advantage with Prescription Drugs (MAPD) Plans

Medicare Supplement Plans sometimes referred to as Medigap Policies

Medicare Part D Prescription Drug Plans


OMIP Oregon

Age 65 or Over and not Eligible for Medicare Benefits?

Oregon Medical Insurance Pool OMIP May Work

Choices also available with
Lifewise, ODS, PacificSource and KPS Plans

Featured Medicare Advantage (MA) Plans and Medicare Advantage
with Prescription Drugs (MAPD) Plans
This may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov.

Medicare.Gov

2013 Regence MedAdvantage and MedAdvantage + Rx Plans

2013 ODS Advantage PPORx Plans

2013 Providence Medicare Advantage Plans

2013 PacificSource Medicare Plans

2013 ATRIO Platinum, Gold, Silver, Bronze Plans

2013 HealthNet Healthy Heart, Violet & Aqua Plans

Featured Medicare Supplement Plans

Effective 1/1/2013: "Birthday Rule" for Medicare supplement policies allows an individual the opportunity to change Medicare supplement plans (as long as the new policy has the same or lesser benefits) with guaranteed issue and nondiscrimination in rating once per year for a period of thirty days beginning on the individual's birthday.

Medicare Supplement Plans

Useful Resources

ElderLaw Answers

Useful Insurance Resources

Medicare Advantage plan shopping in Oregon varies by where you live. Portland and the I5 corridor including Ashland, Medford, Grants Pass, Roseburg, Eugene, Albany, Corvallis and Salem have more choices than cities like Bend, Klamath Falls. Newport, Lincoln City, Coos Bay, North Bend, Pendleton, John Day, The Dalles, Tillamook, Seaside and Ontario which only has a single plan to choose from. Medicare Supplements (also referred to as Medigap policies); however, are available statewide.

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.

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.

Proudly serving the following counties in Oregon: Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler and Yamhill

A Medicare Advantage Private Fee–for–Service plan works differently than a Medicare supplement plan. Your doctor or hospital can continue to treat you if it agrees to accept the insurance company‚Äôs terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except in emergencies.