Medicare Supplement Plans in Oregon
This article was updated on: 11/01/2018
What are Medicare Supplement plans in Oregon?
Medicare Supplement (Medigap) plans in Oregon can give you additional coverage to fill in gaps from Medicare Part A (hospital insurance) and Part B (medical insurance). Unfortunately, Part A and Part B do not cover all medical care costs, and what services they do cover often have out-of-pocket expenses. Medicare Supplement plans may help cover many of these out-of-pocket expenses, including Medicare deductibles, copayments, and coinsurance.
Medicare Supplement plans in Oregon, as elsewhere in the United States, are offered by private insurance companies, and are not part of the federal government Medicare program. Medicare Supplement plans in Oregon have standardized benefits and range from Plan A to Plan N. Plan A provides the same basic benefits in Oregon as in New York, for example.
All Medicare Supplement plans in Oregon, as elsewhere, must offer certain basic benefits. Basic benefits include:
- Hospital stay coinsurance under Medicare Part A. All Medicare Supplement plans cover hospital stay coinsurance, up to an additional 365 days after Medicare hospital benefits have run out.
- Copayments or coinsurance under Medicare Part B. Medicare Supplement plans cover 50% to 100% of copayment and coinsurance requirements for Medicare Part B (the percentage depends on the plan).
- Hospice care copayment or coinsurance under Part A. Medicare Supplement plans cover 50% to 100% of copayment and coinsurance on Part A hospice care expenses (the percentage depends on the plan).
- Blood. If a hospital has to purchase additional blood for you, it will charge you for that blood. Medicare Supplement plans cover up to 100% of the cost for the first three pints of blood.
In addition to the required basic benefits listed above, various Medicare Supplement plans in Oregon might provide some combination or all of the following coverage. Some plans don’t cover these costs.
- Medicare Part A deductible
- Medicare Part B deductible
- Skilled nursing facility care coinsurance
- Limited emergency care when traveling abroad
- Medicare Part B excess charges
How do I compare Medicare Supplement insurance plans in Oregon?
To start, you may want to familiarize yourself with the different Medicare Supplement plans and their basic benefits. Refer to the Medicare Supplement comparison chart. Consider your lifestyle and health status to help decide which Medicare Supplement plan in Oregon may meet your needs. If you plan on traveling overseas, for example, you may want to take a closer look at the six plan types that provide foreign travel emergency medical coverage. If you don’t care to travel, you may quickly rule out these plan types to avoid paying for coverage you are unlikely to use.
Then, check the availability of the Medicare Supplement plans in Oregon that interest you. You can type your zip code into the box on this page and click Find Plans to see Medicare Supplement plans sold in your area.
As you review Medicare Supplement plans in Oregon, you may want to compare premiums. Premiums will differ among insurance companies selling the same Medicare Supplement plans.
When can I purchase Medicare Supplement plans in Oregon?
The Medicare Supplement Open Enrollment Period (OEP) is generally the 6-month period that starts the first month that you’re both at least age 65 and enrolled in Medicare Part B. During this time period, an insurance company must sell you any Medicare Supplement plan it offers, and cannot charge you more for your coverage because of health problems or make you wait for coverage to begin. Outside of this Open Enrollment Period, you may still apply for a Medicare Supplement plan in Oregon, but the insurer can charge you more or deny your application for coverage based upon a health condition.
People age 65 or older have a guaranteed right to buy a Medicare Supplement plan in Oregon during the Medicare Supplement OEP. In Oregon, you also might be able to buy a plan if you are under age 65 and have Medicare because of a disability or ESRD (permanent kidney failure). You may buy a Medicare Supplement plan in Oregon during the six-month period after you receive notice of retroactive enrollment into Medicare due to a disability or ESRD.
If you think this situation applies to you, you can learn more by contacting Oregon’s State Health Insurance Assistance Program, called Senior Health Benefits Assistance (SHIBA).
If you would like help evaluating Medicare Supplement plans in Oregon, please feel free to contact me. You can use one of the links below to set up a phone call with me or request personalized information from me by email.
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