Oregon Medicare: Medicare Advantage Plans in Oregon (OR)

Medicare Advantage Plans in Oregon

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What Are Medicare Advantage Plans in Oregon?

For Oregon residents approaching age 65, it’s helpful to have an advocate on your side who can take some of the mystery out of the Medicare enrollment process. SelectQuote can help you navigate your options for Medicare coverage, including Medicare Advantage plans.

While you may be familiar with Medicare Parts A and B, you may not know as much about Medicare Advantage, also known as Medicare Part C. Medicare Part A covers hospital insurance and Medicare Part B covers doctor’s office insurance, while Medicare Advantage plans combine the coverage of Parts A and B. Medicare Advantage plans are approved by Medicare, are sold by private insurance companies and often include additional benefits beyond those included by Parts A and B.

While you may be familiar with Medicare Parts A and B, you may not know as much about Medicare Advantage, also known as Medicare Part C. Medicare Part A covers hospital insurance and Medicare Part B covers doctor’s office insurance, while Medicare Advantage plans combine the coverage of Parts A and B. Medicare Advantage plans are approved by Medicare, are sold by private insurance companies and often include additional benefits beyond those included by Parts A and B.

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How Do I Know If I’m Eligible for a Medicare Advantage Plan in Oregon?

You are eligible for a Medicare Advantage plan in Oregon as long as you are already eligible for Parts A and B and if you live in an area where Medicare Advantage plans are sold. Copayments, coinsurance and deductibles vary depending on the Medicare plan in which you enroll.

Oregon residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan helps cover some of the gaps in coverage like copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Will a Medicare Advantage Plan in Oregon Cover Prescription Drugs?

Oregon residents looking for prescription drug coverage should consider a Medicare Part C plan, as some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage plan with prescription drug coverage is called a MAPD plan and can help cover some of the costs of prescription drugs.

Most Popular Medicare Advantage Plans in Oregon

Finding the right Medicare Advantage plan in Oregon is as unique as the person the plan is for. Among Oregon residents who are enrolled in Medicare Advantage, 67% choose an HMO/HMOPOS plan while 33% choose a Local PPO, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help determine the right Medicare Advantage plan in Oregon for your needs and budget.

You can learn more about Medicare Advantage plans available in Oregon by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help find a plan that meets your individual needs and budget.

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When is the Oregon Medicare Advantage Plan Enrollment Period?

Enrollment in a Medicare Advantage Plan occurs during specified enrollment periods. Medicare enrollment in Oregon opens for residents prior to turning age 65 or earlier for those younger and with certain conditions. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re an Oregon resident with a May birthday, your IEP runs from February through August.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Oregon residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Oregon residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is an Oregon Medicare Advantage Plan Right for You?

There’s no reason to wait any longer to see if you are getting all the Medicare benefits available to you. As an independent third-party company that helps beneficiaries understand their Medicare options, SelectQuote can help you find the right Medicare Advantage plan for your needs and keep you up-to-date on changes made to Medicare plans each year.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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