Medicare Advantage Plans in Oregon
Find affordable Medicare plans in Oregon
About Medicare Advantage in Oregon
You may have choices when it comes to your Medicare coverage in Oregon. You can stay with the government-sponsored health insurance program called Original Medicare, or you can get your Medicare benefits through a Medicare Advantage plan instead of directly through the government.
The Medicare Advantage (also known as Medicare Part C) program makes it possible for you to get your Original Medicare (Part A and Part B) benefits through a private insurance company that contracts with Medicare. Medicare Advantage plans provide the same coverage as Medicare Part A and Part B (except hospice care, which remains covered under Medicare). But you often get more benefits with a Medicare Advantage plan — like routine vision, dental, and hearing services.
There are certain enrollment periods when you can sign up for a Medicare Advantage plan. If you didn’t sign up when you were first eligible for Medicare, you get another opportunity during the Annual Election Period (October 15 – December 7), which is a popular time to make changes in your Medicare coverage. In some cases, you might qualify for a Special Election Period when you can sign up for a Medicare Advantage plan, or change plans.
There may be several types of Medicare Advantage plans in your part of Oregon – for example, Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO), and Private Fee-for-Service plans. However, not every Medicare Advantage plan may be available in your county in Oregon, and plan costs also vary.
Medicare Advantage Prescription Drug plans in Oregon
Most Medicare Advantage plans include prescription drug coverage. These types of plans, called Medicare Advantage Prescription Drug plans, let you get all your Medicare coverage in a single policy.
Every Medicare Advantage Prescription Drug plan has a formulary, or list of prescription drugs it covers. Formularies may vary from one plan to the next.
When you’re getting ready to compare Medicare Advantage plans, you may find it useful to make a list of your prescription medications. If you do this, you can check your list against the formularies of plans you’re looking at to see if they cover your medications. The formulary may change at any time. You will receive notice from your plan when necessary.
How to compare Medicare Advantage plans in Oregon
The costs and availability of Medicare Advantage plans in Oregon may vary. You may want to compare all the plan options available to you before you enroll in a Medicare Advantage plan. While monthly premiums may vary, please note that some plans may have monthly premiums as low as $0. However, there are usually other plan costs to keep in mind, such as coinsurance, copayments, and deductibles. You also need to continue paying your Medicare Part B premium.
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