Compare Medicare Plans in Oregon (February 2025)

Key Takeaways:

• Oregon provides a number of Medicare choices, including Original Medicare, Medicare Advantage, and Medigap plans.
• Beneficiaries must carefully compare different Medicare plans’ costs, benefits, and provider networks to ensure optimal coverage.
• Resources like SHIBA and the Council on Aging of Central Oregon offer critical guidance and support to help you make informed Medicare decisions.

Grasping the variety of Medicare plan options in Oregon is crucial due to the state’s diverse healthcare landscape. Each plan comes with its own benefits, costs, and provider networks, making the selection process complex.

Comparing plans side-by-side is a must to make informed decisions. This approach minimizes the risk of unexpected expenses and maximizes healthcare benefits.

Types of Medicare Plans Available in Oregon

In Oregon, Medicare beneficiaries can select from plans designed to suit healthcare requirements and preferences.

Here’s a breakdown of the available options:

Original Medicare (Part A and Part B)

Medicare Part A (Hospital Insurance): This plan covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people qualify for premium-free Part A if they have paid Medicare taxes for at least 10 years. Others have to pay up to $518 per month in 2025.

Medicare Part B (Medical Insurance): It pays for outpatient care, including doctor visits, preventive services, lab tests, and durable medical equipment. Part B has a monthly premium of $185 and an annual deductible.

While Original Medicare offers broad coverage, it does not cover all medical expenses. Beneficiaries may incur additional out-of-pocket costs such as deductibles, copayments, and coinsurance.

In Medicare Part B, for instance, beneficiaries are liable for 20% of the approved costs for services once they’ve met the annual deductible.

To manage these extra costs, many Oregonians opt for Medigap plans to supplement their Original Medicare coverage.

Data sourced from Medicare Basics.

Medicare Advantage (Part C)

Private insurers offer Medicare Advantage or Part C plans that include all the benefits of Original Medicare along with additional features.

That can include prescription drug coverage, dental, vision, and hearing benefits, and even wellness programs and gym memberships that promote a healthy and active lifestyle.

Here are a few key facts about Medicare Advantage plans in Oregon:

• In 2025, Oregon offers 132 Medicare Advantage plans, up from 109 plans in 2024.
• The average monthly premium for Medicare Advantage plans came down from $29.75 in 2024 to $27.49 in 2025.
• 95.9% of the state’s Medicare beneficiaries have access to at least one Medicare Advantage plan with a $0 monthly premium.

Top Medicare Advantage Plans in Oregon:

Data gathered via CMS.gov and direct provider plans. Comparison of plans from Oregon Zip Code 97217. Star ratings and plan information reflect publicly available data as of 2025.

Top Medicare Advantage providers in Oregon include:

• Aetna
• Humana
• Cigna Healthcare
• UnitedHealthcare

Discover Medicare Choices in Oregon

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At CoverRight, our licensed advisors take the time to explore your specific health needs and financial considerations and ensure you receive the most fitting coverage.

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Medicare Prescription Drug Plans (Part D)

If you’re enrolled in Original Medicare in Oregon, consider adding a stand-alone Medicare Part D plan to cover the cost of prescription drugs.

Part D coverage can also be availed as a bundled benefit for those with Medicare Advantage plans.

Learn more: Medicare Part D Changes: What Working Seniors Need to Know.

Each Part D plan has a formulary or list of covered drugs arranged in different cost-sharing tiers. Make sure your essential medications are covered at a reasonable cost when comparing plans.

Medicare Part D in Oregon offers numerous options and potential savings:

• Oregon provides 14 stand-alone Medicare prescription drug plans available to all Medicare enrollees in 2025.
• Every beneficiary can choose a Part D plan with a premium lower than what they paid in 2024.
• 25.14% of Part D enrollees in Oregon benefit from Extra Help, a program assisting those with limited incomes.
• The lowest monthly premium for a stand-alone Part D plan is $0.

Note: Data from MedicareWire

Medicare Supplement (Medigap) Plans

Medicare Supplement or Medigap plans cover expenses not paid by Original Medicare, such as copayments, coinsurance, and deductibles.

In Oregon, Plan G and Plan N stand out as particularly popular options among Medigap plans.

Plan G offers extensive coverage, handling nearly all out-of-pocket costs tied to Original Medicare except the Part B deductible. It’s a great choice for those who prefer comprehensive coverage with predictable expenses.

Learn more: Medicare Plan N vs Plan G.

Plan N is more cost-effective, featuring lower premiums while introducing copayments for doctor visits and emergency room services. It does not cover the Part B deductible or excess charges. This plan is particularly appealing to those who seek a balance between affordable premiums and out-of-pocket costs.

Cost Overview for Oregon:

• Plan G: Typically ranges from $150 to $200 per month.
• Plan N: Generally available for about $120 to $170 per month.

Average Costs of Medicare Plans in Oregon

Understanding Oregon’s Medicare cost structure is key to managing your healthcare budget effectively.

Here’s an overview of the average costs for each Medicare plan type in Oregon:

Note: All data reflect 2025 averages sourced from Medicare.gov, CMS.gov, and MedicareWire and may vary by provider.

Top Medicare Advantage and Medigap Providers in Oregon

Oregon offers its residents a comprehensive array of top-tier Medicare Advantage and Medigap providers.

Best Medicare Advantage Providers

In Oregon, Medicare Advantage plans integrate the essential benefits of Original Medicare with additional coverages, making them a favored choice among beneficiaries.

Learn more: What CarePlus Medicare Advantage Plans Are Offered in 2024?

When choosing a provider, make sure to assess their coverage options and reputation to ensure you’re selecting a plan that provides excellent value and broad benefits.

Best Medigap Providers

Oregon boasts a variety of top-rated Medigap insurance providers, each known for their unique offerings. When comparing providers, look at factors such as the quality of their network, customer satisfaction levels, and the overall value they provide.

Here’s an overview of the top providers in Oregon for Plan G and Plan N:

Plan G Providers

Plan N Providers

Note: Plan G and Plan N data from MedicareWire

How to Choose the Right Medicare Plan in Oregon

Choosing the right Medicare plan in Oregon requires thoughtful consideration of multiple factors to ensure it aligns with your healthcare and financial needs.

1. Know Your Healthcare Needs. Evaluate your current health conditions and any chronic issues you may have. Consider what your healthcare needs might be in the coming year, including possible doctor visits, hospital stays, and ongoing treatments.
2. Assess Your Medication Needs. Compile a list of all medications you currently take. Use the Medicare Plan Finder to compare Part D plans, focusing on those that cover your medications at the lowest cost.
3. Financial Planning. Review the costs associated with each Medicare plan, such as monthly premiums, deductibles, copayments, and coinsurance. Align these costs with your financial situation to determine what you can afford for your healthcare.
4. Provider Network Considerations. Ensure your preferred doctors and hospitals are part of the plan’s network. If you travel often or spend time in another state throughout the year, ensure your plan covers services in those areas.
5. Evaluate Additional Benefits. Consider if you need extra benefits that some Medicare Advantage plans offer, like dental, vision, and hearing services. Decide how much these benefits matter to you and focus on what is most beneficial based on your health and lifestyle.

How to Enroll in a Medicare Plan in Oregon

Key Enrollment Periods

Understanding when to enroll in Medicare is crucial to avoid penalties and ensure timely coverage.

Initial Enrollment Period (IEP): This vital 7-month window begins three months before your 65th birthday includes the month you turn 65, and extends three months thereafter. It’s the best time to enroll in Original Medicare (Parts A and B), join a Medicare Advantage plan, sign up for a Part D plan, or choose a Medigap policy.

Annual Open Enrollment Period: From October 15 to December 7 each year, you can switch from Original Medicare to Medicare Advantage, change from one Medicare Advantage plan to another, or modify your Part D coverage. Changes made during this period become effective on January 1 of the following year.

Medicare Advantage Open Enrollment Period: From January 1 to March 31 each year, you can switch Medicare Advantage plans or go back to Original Medicare.

Special Enrollment Periods (SEPs): These periods are available for enrollees who undergo significant life changes, such as relocating, losing current health coverage, or experiencing major events like natural disasters. These periods allow you to make changes outside the usual enrollment times.

Step-by-Step Guide to Enrollment

Enrolling in Medicare requires careful planning to align with your healthcare needs and preferences.

• Explore Your Options: Visit the official Medicare website for detailed information about different Medicare plans. Analyze the coverage, costs, and provider networks to identify the plan that best suits your healthcare requirements.
• Choose Your Coverage: Consider your health needs and financial situation to select the most suitable type of Medicare coverage.
• Enroll Online or By Phone: You can complete your enrollment through the Medicare.gov website or by calling 1-800-MEDICARE (1-800-633-4227), available 24/7 in multiple languages.
• Seek Expert Guidance: For personalized assistance, consult with a licensed insurance agent from a reliable service like CoverRight to help navigate your options and secure the best coverage for your needs.

Medicare Resources for Oregon Residents

Here’s a guide to pivotal organizations and programs that offer support and information to Medicare beneficiaries throughout Oregon:

1. Council on Aging of Central Oregon: It provides valuable support for Medicare beneficiaries in Oregon. Its trained Medicare counselors offer free, unbiased guidance to help new enrollees navigate Medicare and existing enrollees looking to explore their options.
2. Area Agencies on Aging (AAA): These local organizations offer numerous resources aimed at helping older adults maintain their independence. They assist with understanding Medicare coverage, choosing the right plan, and accessing other essential services such as transportation and meal programs.
3. Senior Health Insurance Benefits Assistance (SHIBA): The Oregon state program offers free, unbiased counseling about Medicare and health insurance. It helps with questions about coverage and supports those facing Medicare Part D issues.

Make Medicare simple in Oregon.

At CoverRight, our specialists deeply understand the Medicare system and the Oregon healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed January 26, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2024 Medicare Advantage and Part D Ratings Fact Sheet. Published October 10, 2024. Available at: cms.gov. Last Accessed January 24, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed January 24, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed January 24, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 25, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed December 29, 2024.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 25, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2025. Available at: kff.org. Last Accessed January 25, 2025.

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