Oregon Medicare Supplement plans are available from multiple companies. The company that will offer you the best value will depend on several factors including age, gender and resident city. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Oregon Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Oregon
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Cigna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Oregon
How much will you pay for your Oregon Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Oregon residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare Oregon Medicare Supplements
It is important to know that even though the coverage for Oregon Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Oregon Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Oregon Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Oregon Medicare Supplement Insurance Coverage.
Medigap Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Oregon Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Oregon Medigap coverage.
Be an informed buyer and comparison shop your Oregon Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Oregon Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Oregon that I serve. Click here if you’re looking for other Medicare Supplement states.
Adair Village Adams Adrian Albany Aloha Altamont Amity Antelope Arlington Ashland Astoria Athena Aumsville Aurora Baker City Bandon Banks Barlow Barview Bay City Beaver Beaverton Bend Biggs Junction Boardman Bonanza Brookings Brooks Brownsville Bunker Hill Burns Butte Falls Butteville Canby Cannon Beach Canyon City Canyonville Cape Meares Carlton Cascade Locks Cave Junction Cayuse Cedar Hills Cedar Mill Central Point Chenoweth Chiloquin City of The Dalles Clackamas Clatskanie Cloverdale Coburg Columbia City Condon Coos Bay Coquille Cornelius Corvallis Cottage Grove Cove Creswell Culver Dallas Dayton Dayville Depoe Bay Deschutes River Woods Detroit Donald Drain Dufur Dundee Dunes City Durham Eagle Point Echo Elgin Elkton Enterprise Eola Estacada Eugene Fairview Falls City Florence Forest Grove Fossil Four Corners Garden Home-Whitford Garibaldi Gaston Gates Gearhart Gervais Gladstone Glendale Glide Gold Beach Gold Hill Gopher Flats Grand Ronde Granite Grants Pass Grass Valley Green Greenhorn Gresham Haines Halfway Halsey Happy Valley Harbeck-Fruitdale Harbor Harrisburg Hayesville Hebo Helix Heppner Hermiston Hillsboro Hines Hood River Hubbard Huntington Idanha Imbler Independence Ione Irrigon Island City Jacksonville Jefferson Jennings Lodge John Day Johnson City Jordan Valley Joseph Junction City Keizer King City Kirkpatrick Klamath Falls Labish Village Lafayette La Grande Lake Oswego Lakeside Lakeview La Pine Lebanon Lexington Lincoln Beach Lincoln City Lonerock Long Creek Lostine Lowell Lyons McMinnville Madras Malin Manzanita Marion Maupin Maywood Park Medford Mehama Merrill Metolius Metzger Mill City Millersburg Milton-Freewater Milwaukie Mission Mitchell Molalla Monmouth Monroe Monument Moro Mosier Mount Angel Mount Hood Village Mount Vernon Myrtle Creek Myrtle Point Nehalem Neskowin Netarts Newberg Newport North Bend North Plains North Powder Nyssa Oak Grove Oak Hills Oakland Oakridge Oatfield Oceanside Odell Ontario Oregon City Pacific City Paisley Parkdale Pendleton Philomath Phoenix Pilot Rock Pine Grove Pine Hollow Portland Port Orford Powers Prairie City Prescott Prineville Rainier Raleigh Hills Redmond Redwood Reedsport Richland Rickreall Riddle Rivergrove Riverside Rockaway Beach Rockcreek Rogue River Roseburg Roseburg North Rose Lodge Rowena Rufus St. Helens St. Paul Salem Sandy Scappoose Scio Scotts Mills Seaside Seneca Shady Cove Shaniko Sheridan Sherwood Siletz Silverton Sisters Sodaville South Lebanon Spray Springfield Stanfield Stayton Sublimity Summerville Sumpter Sunnyside Sutherlin Sweet Home Talent Tangent Terrebonne Three Rivers Tigard Tillamook Toledo Tri-City Troutdale Tualatin Turner Tutuilla Tygh Valley Ukiah Umatilla Union Unity Vale Veneta Vernonia Waldport Wallowa Wamic Warm Springs Warrenton Wasco Waterloo Westfir West Haven-Sylvan West Linn Weston West Slope Wheeler White City Willamina Wilsonville Winchester Bay Winston Woodburn Wood Village Yachats Yamhill Yoncalla