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Oregon Medicare Supplement Plan Options – Top Plans

Having the best Medicare Supplement plan in Oregon for 2021 can help you pay out-of-pocket expenses left over after Original Medicare pays its portion on a claim. These Medicare Supplement plans, which are also called Medigap plans, are available to any Oregon Medicare beneficiary who is enrolled in Medicare Part A and Medicare Part B.

What is Medicare Supplement Insurance in Oregon?

Medicare Supplement Insurance, also known as Medigap, is supplemental insurance that helps to fill the gaps that Original Medicare (Part A and Part B) cannot. This policy is important to have because it helps with medical expenses and supplies related to healthcare.

A Medigap insurance plan will help pay the following in Oregon:

  • Copayments
  • Deductibles
  • Coinsurance

What are the top five Medicare Supplement plans in Oregon for 2021?

1. Bets for full coverage: Plan F

Medicare Plan F has the most comprehensive benefit level in Oregon as long as a beneficiary has joined Medicare before 1/1/20. Plan F includes both Medicare Part A deductible and Medicare Part B deductible.

2. Best comprehensive plan: Plan G

The Medigap Plan in Oregon to have is Plan G. It has the most comprehensive coverage for a beneficiary who starts Medicare after the effective date of 1/1/20, no matter pre-existing conditions. When compared to Plan F, this plan has better cost savings.

3. Best Value: Plan N

Medicare Plan N is great for those who are ok with giving up some benefits in order to save on their monthly premium. For example, you may have a $20 copay for a doctor visit, but if you do not visit the doctor often, then this cost would not concern you.

4. Great Cost Savings: High Deductible Plan F

The high deductible Plan F is just like the original plan. Once the annual deductible of $2,370 is met, the coverage will start. This version of Plan F is more affordable than the regular Plan F.

5. Reduces Monthly Premium: High Deductible Plan G

High Deductible Plan G requires the annual deductible of $2,370 to be met prior to coverage starting also. Plan G with the Higher Deductible is just like the original Plan G, but the monthly premiums are cheaper for a beneficiary.

What is the best Medicare Supplement plan in Oregon for 2021?

The most popular Medicare Supplement plan for 2021 in Oregon is Medicare Plan G. This plan is well-liked by Medicare enrollees because it is more inclusive and has affordable rates.

Best for comprehensive coverage: Plan G

Medigap Plan G allows the following:

– You can use any U.S. doctor that accepts Original Medicare
– Medigap Plan G will cover all of Medicare Part A coinsurance, copays, and deductibles.
– Covers Medicare Part B Coinsurance and copays
– Change doctors anytime
– Freedom to go to any hospital or facility for health care that takes Original Medicare
– Part B Excess charges covered 100%
– No network
– No referrals
– Coverage for foreign travel

Plan G does not cover Part B deductible.

The Part B deductible is the only out-of-pocket costs with this plan.

For prescription drug coverage eligibility, the Medicare Part D Plan will cover outpatient retail prescriptions. If you have these types of prescriptions, you will need to consider acquiring this prescription drug plan. Plan G does offer prescription drug coverage for all Part B medications.

Best for full coverage: Plan F

Before 2021, this plan was one of the best Medicare Supplement plans in Oregon for full coverage. However, this plan is only available to those who were eligible for Medicare coverage prior to 1/1/2020. This plan includes the Medicare Part B deductible as part of its cost. If you should not qualify for this plan, then Plan G will be the best Medigap policy to have. When you compare the two plans, you will find the only difference is that Plan G does not include the deductible for Medicare Part B.

What is the average cost for a Medicare Supplement insurance plan in Oregon?

The average cost will depend on the insurer because their pricing will be based on:

Community ratings
Issue Age
Attained Age

Community rating is priced for beneficiaries of all ages. In contrast, issue age is based on the age at purchasing, and premiums for attained age will increase as the Medicare beneficiary ages.

When can I apply for a Oregon Medicare Supplement plan?

Within the 6 month Medigap Open Enrollment period will be the best time to gain Medicare benefits. During this period, pricing and options from a Medicare insurance company are better.

For age specifics, see below.

Age 65 or older: Enrollment begins when you have Part B. It can’t be changed or repeated.

Turning 65: On the first day of the month of your birthday, the six-month period to enroll begins. Enrollment in Part B will be needed.

Under 65: Enrollment may not be possible. If you have a disease or syndrome, you will qualify for Medicare under the age of 65; if not, some states do require Medigap insurance companies to sell policies. These plans do generally cost more.

If you are receiving Social Security, the SSA will automatically sign you up and handle your enrollment for Medicare Part A and Medicare Part B at the age of 65. The Federal Medicare Program is operated by the federal Centers for Medicare & Medicaid Services.

Note: You have guaranteed issue rights, so an insurance company can’t refuse to sell you a Medigap policy if the following happens:

  • A Medicare Advantage Plan leaves Medicare or stops providing in your area
  • You move out of the plan’s service area
  • The company drops your plan

Common Oregon Medicare Supplement Questions:

When can I change Medigap plans?

You can change any time of the year, please note, after your initial election period, you can be denied coverage for your current or past health issues.

Can I be denied Medigap coverage?

In Oregon, you cannot be denied coverage for a Medicare insurance policy unless you are outside of an enrollment period. Even then, you may be accepted at a higher premium. Also, you may be delayed in coverage until the next enrollment.

What is the difference between Medigap and Medicare Advantage?

Medicare Advantage, Part C, is layered coverage that contains Part A, Part B, and Medicare Part D plan. Medicare Supplement helps to fill in gaps and that Original Medicare basic benefits of Part A and B cannot cover. Medigap policies pay the Part A deductible but not Part B. Both are offered through private insurance companies.

Do Medicare Supplement plans in Oregon cover dental care?

No. Medigap insurance plans do not cover medical expenses related to dental care.

Do Medicare Supplement plans cover chiropractic care?

Only for manual manipulation of the spine to correct subluxation by a qualified provider. Only this will be covered under Medicare Part B (Medical Insurance). Any other services or tests that a chiropractor does are not covered by Medigap insurance.

Do Medigap plans in Oregon cover foreign emergency travel?

Yes. Medigap Plans C, D, F, G, M, and N do provide foreign travel emergency Medicare coverage when you are traveling outside of the United States.

Related Topics

Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Oregon State Links

Key Take Aways
  • In Oregon, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Oregon to choose from.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.