Some make think Medicare is hard to learn about, but we make it easy! There are a few parts of Medicare that help people pay part of their medical costs. One thing to realize is that Medicare does not cover all of your medical bills. That is why Medicare Supplemental Insurance is so important.
First you should understand what the two parts of Original Medicare cover, and help you understand why you might want Medicare Supplemental insurance in Oregon.
Medicare Part A
Medicare Part B
As you can see, these bill could add up quite fast. That is where in Oregon Medicare Supplement insurance comes in. These Medigap Plans help cover most or all of the out of pocket expenses in Medicare. And if you’re turning 65, Medicare Supplemental Insurance in Oregon is very easy to get. And we help make the process even easier!
Our experienced agents first make sure you understand Medicare and all the options available to you. We then shop the top insurance companies to make sure you pay the least amount possible for the best Medigap coverage.
In Oregon, Medicare Supplement plans are available by many different carriers. These plans are provided by private insurance companies, and they are lettered Plans A – N. Medigap Plans E,F,I and J no longer exist. While many companies do offer these plans, it’s important to remember that they all have the exact same coverage. Therefore an Oregon Medicare Supplemental Insurance plan F from Mutual of Omaha is the exact same coverage from AARP. The premiums for these plans can vary widely though. That’s where we come in. We’ll shop the entire market and find you the lowest premiums for Medicare Supplemental Insurance in Oregon. We work for YOU, not the insurance companies.
Out of all the Medicare Supplement plans available there are a few that are the most popular. They are Plan F, Plan G, and Plan N. These three plans have the best coverage with relatively low premiums. Depending on whether you want any out-of-pocket costs are not will determine which one is best for you.
Medicare Supplement Plan F
This great plan offers 100% coverage of the approved Medicare charges that they do not pay. There is no network, it has No deductibles or co-pays, and you won’t pay any coinsurance. If you’re looking for the most comprehensive Medicare Supplemental insurance in Oregon than this is it.
So while Plan F does offer the most coverage, that doesn’t mean it’s the best for you. In fact there is only a small difference between Plans F and G, although Plan G has much lower premiums in most cases.
Medicare Supplement Plan G
Also excellent coverage, Plan G just has one small out-of-pocket expense which is the annual Part B deductible. After you pay that the plan picks up the gaps 100%. Plan G has lower premiums than Plan F so even after you meet the deductible yourself you’ll likely end up saving money!
Medicare Supplement Plan N
Very similar to Plan G in which you still must meet the $147 Part B deductible each year. After that with a Plan N you might have a small co-pay of up to $20 per doctor’s visit.
Regardless of which plan will work best for you, let our experienced agents get quotes for all the Medicare Supplemental Insurance in Oregon. Just enter your zip code at the top of this page to start saving!