The Best Medicare Supplement Plans in Oregon 2024
Medicare Parts A & B help seniors deal with the costs of inpatient and outpatient medical and hospital expenses as they age.
However, Medicare only foots 80% of the bill, leaving you with the balance to pay.
If you have an extended stay at a skilled nursing facility or the hospital, you could find yourself facing an astronomical bill.
Medigap policies help seniors cover the gaps in their Medicare policies.
They come in ten versions, Plans A, B, C, D, F, G, K, L, M, & N.
Each offers you a different level of coverage to suit your needs and budget.
Private insurers sell these policies in Ohio; the rates can vary between firms.
Finding the right policy is essential to help you manage your out-of-pocket expenses associated with Medicare.
The average cost for a Medigap plan in Oregon is $139 across all insurers and policies. This average is based on a 65-year-old female nonsmoker, but the rates can differ based on your unique situation.
This post examines the premiums for Plans G & N, the most popular options for seniors in the Beaver State.
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We’ll help you get the best premiums on your plan of choice and the right policy to cover your healthcare requirements.
Or you can complete the contact form on this site, and we’ll get a Medigap expert to call you back for a chat.
Our site also offers a free quote from our automated tool.
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The Best Healthcare Insurers for Medicare Supplement Plans in Oregon
Medigap plans are available from top healthcare insurers in Oregon. Each company has different premiums on its plans, and one might be more affordable than the other.
Our research shows the following companies are the best choices for Medigap policies in Oregon.
- Aetna
- Cigna
- Colonial Penn
- GPM Health and Life
- Globe Life
- Humana
- Lumico
- Manhattan Life
When it comes to assessing the best deals on the most popular Medigap plans, we find Human is the top choice across all categories, offering the lowest rates with a good selection of perks.
- Best Plan G – Humana
- Best Plan F – Humana
- Best Plan N – Humana
The Best Provider for Medicare Supplement Plan G in Oregon – Humana
21 insurers offer Plan G in Oregon, with the average market rate for a 65-year-old female nonsmoker being $161,10.
The lowest rate is from Humana, with monthly premiums of $125. That’s a saving of $36.10 off the average rate.
Regence is the most expensive provider, with monthly premiums costing $194.
However, UnitedHealthcare has the best value offering with more perks than Aetna, including Wellness benefits and gym memberships, for a monthly premium of $163.32.
Here are the rates from the leading providers of Plan G in Oregon. (Based on a 65-year-old female nonsmoker).
- Humana: $125
- UnitedHealthcare: $155
- Regence: $194
What Does Plan G Cover?
Plan F is no longer available to seniors eligible for Medicare after January 1, 2020. Plan G is the next best option.
The only thing it doesn’t cover that Plan G does is the Part B deductible of $226 for 2023.
However, you get lower premiums than Plan F, and there’s a high-deductible version of Plan G available from select insurers.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan N in Oregon – Humana
22 insurers offer Plan N in Oregon, with the market average being $153.70.
Humana offers you the lowest premiums, at $120 per month, for a saving of $33.70 off the average premium cost.
Regence has the highest premiums for Plan N, at $166. Going with Humana saves you $46 off this price.
Humana has excellent member perks for beneficiaries, with access to the SilverSneakers program for discounted gym memberships, home meal delivery for people recovering at home after hospitalization, and more.
Humana partnered with Philips Lifeline, providing medical alert systems for fall detection and emergencies.
Policyholders can use the MyHumana app to manage their claims and benefits online.
What Does Plan N Cover?
Plan N Offers you coverage for Part A & B expenses not covered by Original Medicare.
It has some of the lowest premiums for such a comprehensive plan but requires com payments of $50 at the emergency room if not admitted to the hospital and $20 copayments at the doctor’s office.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover the Part B deductible or Part B excess charges when visiting doctors that charge over Medicare Assignment rates.
What Do Plans G & N Not Cover?
Medigap Plans G & N cover the costs associated with Part A & B Original Medicare expenses for hospitalization and Medical treatments.
They don’t cover you for preventative treatments, such as foot care, physiotherapy, and acupuncture.
You don’t get any coverage for prescription medication costs, long-term care at nursing facilities, or private-duty nursing.
Plans G & N don’t cover vision, dental, and hearing services.
However, some companies, like Humana, offer these services as perks, and others charge a separate fee on top of your monthly premium to access these benefits.
What are the Best Alternate Medicare Supplement Plans in Oregon?
You can find the full range of Medigap policies at many providers in Oregon.
However, the other plans don’t offer the same level of coverage as Plans F, G, & N.
However, they might be the right choice for low-income seniors on a budget.
We looked at the average pricing across all providers in all Medigap categories. Our research shows Humana offers you the best deal on all plans.
- Plan A – Humana: $146.79
- Plan B – Humana: $153.14
- Plan C – Humana: $309.47
- Plan F – Humana: $315.75
- Plan K – Humana: $83.39
- Plan L – Humana: $117.73
Frequently Asked Questions
What are Medicare Supplement Plans in Oregon?
Medicare Supplement Plans in Oregon, also known as Medigap plans, are private health insurance policies designed to cover the gaps in Original Medicare. They help pay for certain out-of-pocket costs like deductibles, copayments, and coinsurance.
How do I qualify for a Medicare Supplement Plan in Oregon?
To qualify for a Medicare Supplement Plan in Oregon, you must be enrolled in both Medicare Part A and Part B. The best time to enroll is during your Medigap Open Enrollment Period, which starts on the first day of the month you turn 65 and are enrolled in Part B.
What types of Medicare Supplement Plans are available in Oregon?
In Oregon, the most common types of Medicare Supplement Plans are Plans A, B, C, D, F, G, K, L, M, and N. Each plan offers a different set of standardized benefits, although not all plans may be available from every insurance company.
How much do Medicare Supplement Plans cost in Oregon?
The cost of Medicare Supplement Plans in Oregon can vary depending on factors such as your age, location, and the insurance company you choose. It’s important to compare plans from different insurers to find the one that suits your needs and budget.
Can I switch Medicare Supplement Plans in Oregon?
Yes, you can switch Medicare Supplement Plans in Oregon. However, it’s important to note that you may be subject to medical underwriting if you switch plans outside of your initial enrollment or guaranteed issue rights period.
Do Medicare Supplement Plans in Oregon cover prescription drugs?
No, Medicare Supplement Plans in Oregon do not cover prescription drugs. To get prescription drug coverage, you need to enroll in a separate Medicare Part D plan.
Are Medicare Supplement Plans in Oregon renewable?
Yes, Medicare Supplement Plans in Oregon are guaranteed renewable. As long as you pay your premiums, the insurance company cannot cancel your plan regardless of your health condition.
Can I use my Medicare Supplement Plan in Oregon when I travel outside the state?
Yes, most Medicare Supplement Plans provide coverage for medical services received anywhere in the United States. However, it’s important to review your plan’s terms to understand the extent of coverage when traveling.
Are pre-existing conditions covered by Medicare Supplement Plans in Oregon?
Yes, Medicare Supplement Plans in Oregon must cover pre-existing conditions after the six-month waiting period, as long as you enroll during your Medigap Open Enrollment Period or have guaranteed issue rights.
How do I compare Medicare Supplement Plans in Oregon?
To compare Medicare Supplement Plans in Oregon, you can use the standardized benefits chart provided by Medicare. Additionally, you can contact different insurance companies to inquire about their plan options, costs, and customer reviews to make an informed decision.
Start Comparing Medicare Supplement Plans in Oregon Now!
If you want to find the best Medicare Supplement Insurance plans in Oregon, fill out the form to the right to start comparing quotes now!
If you prefer, call 1-888-891-0229 to speak with one of our licensed agents.
Updated December 4th, 2022