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Best Medicare Supplement Plans in Oregon 2021

If you want to avoid some of the out-of-pocket costs that come with the federal Medicare program, consider enrolling in a Medicare Supplement plan in Oregon when you’re eligible for Social Security benefits. These plans are designed to extend your Medicare benefits while easing the stress of copayments, coinsurance, excess charges, and deductibles.

What are the Top 5 Medicare Supplement Plans in Oregon?

Are you ready to compare your Medigap plan options? There are 10 Medigap policies available in Oregon, but the following five are the best plans for most Medicare beneficiaries.

1. Best for full coverage: Medicare Plan F

  • If you want your Medicare benefits to feel more like the private insurance you had before retirement, Plan F is a great option.
  • Eligibility is limited to beneficiaries with a Medicare Part B effective date prior to January 1, 2020.
  • Coverage includes deductibles and coinsurance for Medicare Part A and B, Part B Excess Charges, and foreign travel emergency coverage.

2. Best comprehensive plan: Medicare Plan G

  • The most comprehensive option for beneficiaries with an Original Medicare effective date on or after January 1, 2020.
  • Plan G coverage is the same as Medicare Plan F except for the Medicare Part B deductible. The Medicare Part A deductible and Part B coinsurance is included in plan limits.

3. Best value: Medicare Plan N

  • Plan N offers lower premiums are balanced by less comprehensive coverage.
  • Includes Part A and Part B coinsurance with the exception of up to $20 copay per doctor’s visit and up to $50 copay per emergency room visit.
  • Doesn’t include Part B excess charges or deductible.
  • Part A deductible is covered along with foreign travel emergency care.

4. Best deductible plan: High-Deductible Plan F

  • Offers the lowest monthly premiums available for beneficiaries enrolled in Medicare Part B prior to 2020.
  • Beneficiaries must pay the deductible of $2,370 out of pocket annually before accessing all benefits available with Medigap Plan F.

5. Best for lowest premiums: High-Deductible Plan G

  • Offers the lowest monthly premiums available for all Medicare beneficiaries.
  • Beneficiaries are required to meet the deductible of $2,370 out of pocket annually before accessing all Plan G benefits.

What is the Best Supplemental Insurance to go with Medicare?

We encourage all beneficiaries to compare their Medigap plan options before selecting a Medicare Supplement insurance plan in Oregon. Your budget and health care needs should guide your decision, so it’s a personal journey.

What is the most popular Medicare Supplement plan in Oregon for 2021?

Medicare Plan F was once the most popular Oregon Medigap policy, but Plan G is now taking the lead due to limited eligibility for Plan F.

Which plan has the best benefits in Oregon?

  • Medicare Plan F offers the most comprehensive coverage because it covers the Medicare Part B deductible and all coinsurance for Parts A and B.
  • Medicare Plan G takes second place because it offers comprehensive care but doesn’t include the deductible for Part B.
  • Prescription drug coverage isn’t included with any Medigap policy. Beneficiaries must pay for a Medicare Part D plan in addition to Medigap.

How do I choose the best plan?

Selecting the best Medicare coverage comes down to your lifestyle. Compare your maximum health care budget with your need for routine doctor visits, emergency room visits, foreign travel care, and medication. The right plan will minimize out-of-pocket costs without breaking your budget.

Which Medigap plan offers the best rates in Oregon?

The most expensive Medicare Supplement insurance company in one zip code may come out as one of the most affordable in another zip code. Each beneficiary must compare rates from various private insurance companies in their unique location.

What is the Average Cost for a Medicare Supplement Plan in Oregon for 2021?

Your zip code, age, and tobacco use all have an impact on the cost of your Medigap plan in Oregon. As an illustration of potential premiums, consider the following 2021 quotes generated for a female beneficiary in Oregon zip code 97045. This beneficiary doesn’t smoke and is 65 years old.

  • Medicare Plan G – $121.23 – $220.33 range; $174 average
  • Medicare Plan N – $97.90 – $184.09 range; $136 average
  • High-Deductible G – $43.88 – $52.27 range; $48 average

Common Oregon Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Oregon?

The list of private Medicare insurance companies authorized to sell Medigap plans in Oregon is lengthy, but they aren’t all competitive in pricing and financially stable. We recommend the following options for all beneficiaries looking for a Medigap insurance insurer in 2021.

  • Aetna
  • Cigna
  • Mutual of Omaha

When Can I Apply for a Oregon Medicare Supplement Plan?

The State of Oregon gives you the following options to enroll in Medicare Supplement insurance plans:

  • Enroll during your Medigap Open Enrollment Period. It starts the first day of the month that you sign up for Medicare Part B and are 65. The Medicare insurance company is required to accept your application for any Medicare Supplement insurance plan in Oregon and cannot base your rate on pre-existing conditions or your current health condition. Most Medicare beneficiaries will receive the lowest rates during this period.
  • Enroll at any time after your Open Enrollment Period. If you qualify for a special guaranteed enrollment, you will enjoy the same guaranteed issue rights listed above for the initial period. If not, you will go through medical underwriting and aren’t guaranteed acceptance into a plan.

Once you’re enrolled in a Medigap plan in Oregon, you have the option to switch to a plan with equal or less coverage every year after your birthday. Your eligibility for this optional switch period starts on your birthday and lasts for 30 days every year.

Which is better, Medigap Plan G or Plan N?

Plan G and Plan N offer adequate Medicare coverage for most beneficiaries, but Plan N requires copayments for doctor’s office and emergency room visits. While Medicare Part A coinsurance and deductible are included in both plans, the Part B deductible is not covered by Plan N. Both plans require beneficiaries to pay for a Part D prescription drug plan separately.

What is Medicare Supplement Insurance?

Medicare Supplement plans in Oregon pay out after your basic benefits from Original Medicare are maximized. Think of it as a secondary insurance policy that will pick up out-of-pocket costs that you would otherwise need to pay personally.

Here’s what you need to know about Oregon Medicare Supplement insurance plans:

  • Medigap plans are issued by private health insurance companies.
  • You will pay a monthly premium for your Medigap plan in Oregon.
  • Medicare Supplement policies don’t include prescription drug coverage, so a Medicare Part D plan is necessary.
  • Each Medigap plan is assigned a letter, and each lettered plan offers the same benefits regardless of insurance company chosen.
  • The medical expenses covered varies between plans.

Working with a licensed insurance agent or reaching out to one of our Policy Guides is the first step to securing a Medicare Supplement insurance plan in Oregon.

Is Plan G the Best Medigap Plan in Oregon?

How Much Does Plan G Cost?

Premiums for Medicare Supplement plans in Oregon vary, depending on zip code and personal factors like tobacco usage and age. In Oregon, rate averages are about the same in many zip codes. For example, the average Plan G premium for a female nonsmoker who is 65 years old in 2021 is about $174 whether she lives in zip code 97045, 97070, or 97128.

What is the Plan G Deductible in 2021?

There is no deductible for Medicare Plan G. Beneficiaries do need to pay the Medicare Part B deductible out of pocket if this plan is chosen. That deductible is $203 in 2021.

What does Medigap Plan G Cover in Oregon?

Related Topics

Plan G by State

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Oregon Medicare Resources

Oregon Enrollment Statistics

Listed below are the top five most populated counties in Oregon. You do not have to live in one of these counties to take advantage of Medicare Supplement plans in Oregon.

  • Multnomah County
  • Washington County
  • Clackamas County
  • Lane County
  • Marion County
  • There are more than 441,000 recipients of Medicare Part A, Part B or both in Oregon.
  • Of these 441,000 Medicare beneficiaries, over 134,000 individuals have Medigap policies.
  • Almost 100,000 of the individuals who have Medigap policies in Oregon have Plan F.
Key Take Aways
  • There are 10 Medicare Supplement Plans in Oregon to choose from.
  • In Oregon, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted.
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