Medicare Supplement Plans in Oregon
Medicare Supplement insurance in Oregon is a policy that helps to fill the gaps that Original Medicare (Part A and Part B) cannot. There are ten Medicare Supplement plans available to choose from.
- Of the ten plans offered, Cigna offers the best Medicare Supplement Plan G rates in Oregon, with a monthly rate of $149 per month for the most comprehensive coverage.
- We also found Cigna offers the best Medicare Supplement Plan N pricing at $106 per month. This plan has the best value for beneficiaries who don’t mind trading certain benefits for lower monthly premiums.
- For those wanting the lowest possible monthly premium, Mutual of Omaha’s High Deductible Medigap Plan G is considerably cheaper at $47 per month for the same benefits as Medicare Plan G. Beneficiaries must pay the annual $2,700 deductible before coverage.
Below are highlighted features and benefits of each plan.
Cigna Medicare Supplement Plan G
Cigna Plan G is one of the most comprehensive Medicare coverage plans available, offering an array of perks and benefits to eligible beneficiaries. It covers many out-of-pocket costs except the deductible for Medicare Part B.
Choosing Cigna Plan G offers several key advantages:
- Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
- No referrals are required.
- Freedom to see any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $149
*Prices based on a 65 year old nonsmoking female living in zip code 97007 Oregon.
Cigna Medicare Supplement Plan N
To lower your monthly premiums, selecting Cigna Medicare Plan N is a smart choice. You may sacrifice select benefits but the financial savings could be noteworthy.
Cigna Plan N has several advantages that include, yet are not restricted to:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $106
*Prices based on a 65 year old nonsmoking female living in zip code 97007 Oregon.
Mutual Of Omaha High-Deductible Plan G
- If you're looking for a cost-saving alternative to Medicare Supplement Plan G, Mutual of Omaha's High-Deductible Plan G in a good choice.
- Unlike Plan G, this policy requires beneficiaries to pay the $2,700 deductible out of pocket before accessing their benefits. However, it offers the same coverage as its counterpart once that deductible has been met.
Monthly Plan Cost: $47
*Prices based on a 65 year old nonsmoking female living in zip code 97007 Oregon.
Cigna Medicare Supplement Plan F
- Oregon beneficiaries of Original Medicare that were eligible before 2020, don't miss the chance to take advantage of Cigna's Plan F. This plan not only maximizes your protection and potentially saves you money; it also covers Part A deductible, Medicare Part B deductible, plus all coinsurances.
Monthly Plan Cost: $197
*Prices based on a 65 year old nonsmoking female living in zip code 97007 Oregon.
What's the Best Medicare Supplement Company in Oregon?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Oregon.
While Cigna Medigap plans tend to be more affordable in Oregon, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Oregon, including sample premiums, ratings, and market share:
Cigna
Market share: 11.74%
Plan G cost: $149
Plan N cost: $106
Financial strength: A
Mutual of Omaha
Market share: 12.57%
Plan G cost: $151
Plan N cost: $112
Financial strength: A+
Aetna
Market share: 1.05%
Plan G cost: $184
Plan N cost: $126
Financial strength: A
United Healthcare
Market share: 32.61%
Plan G cost: $141
Plan N cost: $110
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does a Medigap Plan Cost in Oregon?
The best price for Medicare Supplement Plan G in Oregon is $149 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$197
$149
$106
$47
$91
$42
Plan Popularity in Oregon
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Oregon for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
The best time to enroll in a Medigap plan in Oregon will be within your six-month Medigap Open Enrollment Period (OEP). During this time, pricing and plan options from a Medicare insurance company will be better and equal for every beneficiary. See below for age specifics.
Age 65 or older: Your enrollment period begins when you have Part B coverage. It can't be changed or repeated.
Turning 65: Enrollment begins the first month that you are 65, and again, enrollment in Part B will be needed.
Under 65: If you have a qualifying disease or ESRD (end-stage renal disease), insurance companies are required to offer at least one kind of Medigap plan. This will only be available to you if you are enrolled in Part B, and may cost you more overall.
You will receive guaranteed issue rights when enrolling during your OEP, which means that you cannot be denied coverage or charged more by insurance companies. The Medicare insurance company cannot consider your current health or pre-existing conditions when determining your Medigap rates, and you are guaranteed enrollment in the plan of your choice.
There are a few other instances where you may have guaranteed rights such as losing group coverage, moving out of a plan's service area, or your insurance provider going out of business. If you fall into one of these categories, you may be eligible for a Special Enrollment Period.
Oregon Birthday Rule
In Oregon, you will have the chance to change your plan annually with the birthday rule. This rule allows you to switch to any carrier or plan of equal or lesser benefit without being subject to denial or medical underwriting and pricing. For instance, you can switch from Plan G to Plan N with any carrier, and Plan G with one carrier to Plan G with another, but you cannot switch from Plan G to Plan F, because Plan F has a higher value than Plan G. This period starts on your birthday each year and lasts for 30 days, giving you 31 days total to make the plan switch.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Cigna and Mutual of Omaha are two excellent options. Both companies offer comprehensive coverage for various medical expenses, such as copayments, coinsurance, and deductibles.
Generally, plan premiums range from $106 - $384 per month, with some plans costing more or less than this range. The cost of Medicare Supplement plans in Oregon can vary depending on various factors.
Medigap Plan G in Oregon typically costs around $149 to $384 per month, depending on various factors.
You can change at any time, but if you do not have a guaranteed issue circumstance or are outside of your Medigap Open Enrollment Period, in that case, you can be denied coverage if your health conditions cannot pass the underwriting process.
If you do not have a guaranteed issue circumstance or are outside of your Medigap Open Enrollment Period, in that case, you can be denied coverage if your health conditions cannot pass the underwriting process.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Article Resources:
- Mutual of Omaha Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Oregon Senior Health Insurance Benefits Assistance
- Oregon Guide to Medicare Insurance Plans
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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