Oregon has several different Medicare plan options to choose from, with nearly 900,000 enrollees statewide.
Many of these individuals choose to further supplement their coverage with a Medicare supplement plan, which helps cover copayments and deductibles.
Now, finding the best Medicare Supplement Plans in Oregon is easier than you might think. With our website, you can compare Medicare Supplement plans in Oregon and get FREE online quotes in minutes.
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The 5 Best Medicare Supplement Plans in Oregon are:
- Medicare Supplement Plan G
- Medicare Supplement Plan N
- Medicare Supplement Plan F*
- High-Deductible Plan G
- High-deductible Plan F*
*Medicare Plan F is no longer available to people eligible for Medicare on January 1st of 2020 or later
Medicare Supplement Plan G in Oregon
For quite some time, Medicare Supplement Plan F was the go-to choice for Oregon Medicare enrollees. Plan F is no longer available to people new to Medicare.
However, those who were already enrolled in the plan on or before January 1st, 2020 are allowed to keep it,
Medicare Supplement Plan G has now become the plan of choice for individuals newly enrolled in Medicare, offering both comprehensive coverage and affordability.
If you are still a participant in Plan F, it is highly recommended that you enter your zip code into our website in order to review the rates for Medicare supplement Plan G. You are likely to experience significant savings.
Medicare Plan F vs Plan G
The main difference between Plan F and Plan G is that with Medicare Plan G you are responsible for paying the yearly Medicare Part B deductible. Medicare Plan F covers this deductible, but the premiums for Plan F are typically greater than the deductible itself.
Save Money with Medicare Plan G in Oregon
In Oregon, it is almost always more cost-effective to select Medicare Supplement Plan G over Medicare Plan F as the additional premiums for Plan F likely will exceed the deductible amount.
Medicare Supplement Plan G covers all gaps in coverage provided by Medicare, excluding the yearly Part B deductible. This deductible amount in 2023 is $226.
Medicare Plan G Rates in Oregon for 2023
In Oregon, Medicare Supplement Plan G starts at around $72 per month and goes up to well over $300 per month.
Monthly premiums are determined by several factors, such as:
- Tobacco use
- Zip code
- Household discounts (if applicable, vary by company)
Medicare Supplement Plan N in Oregon for 2023
In Oregon, Medicare Supplement Plan N in 2023 is gaining increasing popularity due to the lower premiums compared to Medicare Plan G.
On average, Plan N can offer monthly savings of up to $30. However, this may be balanced out by a few additional out-of-pocket expenses.
Medicare Plan N and Plan G are otherwise quite similar when it comes to coverage.
With Medicare Supplement Plan N, you pay the annual Medicare Part B deductible yourself just like you would on Medicare Plan G. After that, you might have the following expenses on Plan N:
- Up to a $20 co-pay for doctor’s visits (telehealth visits don’t apply)
- A $50 co-pay if you visit the emergency room and you’re not admitted (Urgent care visits don’t apply)
- Part B excess charges not covered – Very Rare
Medicare Plan N Premiums in Oregon
As mentioned, Medicare Supplement Plan N cost less than Medicare Plan G each month. Often considerably less, so it’s a great plan for people who are relatively healthy and wish to save money but still have great coverage.
Using our FREE quote engine you can check the rates of each plan in your area. Just click below to get started!
Medicare Supplement Plans in Oregon 2023
The best Medicare supplement plans in Oregon for 2023 are not changing, nor are the benefits.
Enter your zip code below and you can see the rates from the top companies for the more popular plan you are paying too much.
Also, we watch the rates each year for you so you don’t have to! And our service is entirely FREE.
So which Medicare Supplement Plan is best in Oregon?
In all reality, the “best” Medicare supplement plan is one that fits your own personal needs and budget. The plans that most people enroll in are either Medicare Plan G, or Plan N.
Medicare Plan G – Has just one low deductible, then provides 100% coverage. It has higher monthly premiums than Plan N
Medicare Plan N – Lower monthly premiums than Plan G, along with the possibility of having small out-of-pocket costs such as co-pays
Companies Offering Medicare Supplement Plans in Oregon
There are several insurance companies that offer the best Medicare supplement plans in Oregon, each with entirely different rates for the same coverage.
This makes it very important to allow us to help you find the best plan for the lowest rates. Our service is entirely free, and we help make it easy to shop for different plans and rates for you.
Our annual rate analysis keeps our clients paying the least amount for their coverage year after year.
The best Medicare Supplement companies in Oregon are:
- Mutual of Omaha
- United Healthcare
Medicare Supplement Birthday Rule in Oregon
The Medicare Supplement Birthday Rule in Oregon is a regulation that offers Medicare beneficiaries the opportunity to enroll in or switch to a new Medicare Supplement (Medigap) plan during a specified timeframe surrounding their birthday.
Under the birthday rule, Medicare beneficiaries in Oregon have a six-month period surrounding their birthday in which they can change their Medicare Supplement plan without having to answer health questions or being declined coverage due to pre-existing conditions. During this time, beneficiaries can also enroll in a Medicare Supplement plan for the first time.
This rule is designed to provide Medicare beneficiaries in Oregon with an opportunity to compare their current coverage to new plans or enroll in a plan that may better meet their needs, without having to worry about health-related restrictions. It also helps to ensure that beneficiaries have access to comprehensive and affordable health coverage as they age and their health needs change.
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Medicare Supplement Plans only
It is important to note that the birthday rule only applies to Medicare Supplement plans and not to Medicare Advantage plans, which are a different type of Medicare health coverage.
Beneficiaries who are enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or enroll in a Medicare Supplement plan during the Annual Enrollment Period (AEP) from October 15th to December 7th each year.
Why you should use the Oregon birthday rule
In Oregon, there are several Medicare Supplement plans available from different insurance companies. Beneficiaries are encouraged to compare these plans and their benefits, costs, and coverage options to determine which plan best meets their needs.
In conclusion, the Medicare Supplement Birthday Rule in Oregon is a valuable regulation for Medicare beneficiaries that provides them with a regular opportunity to review their health coverage options and make changes if necessary.
Beneficiaries should take advantage of this opportunity to ensure they have access to the coverage they need and save the most money possible on their coverage. We can help!
How to Enroll in a Medicare Supplement Plan in Oregon
The easiest way to enroll in a Medicare supplement plan in Oregon is to call us today at 1-888-891-0229. Our licensed insurance agents can help answer your questions and show you all your options when it comes to the best Medicare Supplement plans in Oregon.
Oregon Department of Insurance