Oregon has 879,772 total Medicare beneficiaries, many with Original Medicare and more with an Oregon Medicare Advantage plan.

Below, we’ll look at some of the supplemental Medicare options available for all Oregonians and answer a few pressing questions about the additional parts of Medicare.

Oregon Original Medicare Insurance Plans

  • Nearly 400,000 Oregonians have both Original Medicare Part A and Part B
  • Of those 400,000 beneficiaries, nearly 340,000 aged into eligibility, while roughly 60,000 got Original Medicare from a medical disability
  • Almost 411,000 Oregon Medicare enrollees have a Medicare Advantage plan
  • There are over 622,000 Oregon Medicare Part D users
  • The average Part D beneficiary in Oregon refills their medication prescriptions 50 times per year

Medicare Costs in Oregon for 2022

Part A, which covers inpatient hospital stays, is free for anyone over 65 with a 10-year history in the labor force or with a qualifying disability.

Part B, which covers outpatient services, requires a monthly premium and an annual deductible.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Medicare users don’t have to enroll in Medicare Part A and Part B if their health circumstances only require one or the other, and a sizeable amount of people pick only one.

In Oregon, there are around 470,000 enrollees with at least Medicare Part A. About 400,000 aged into it, while the other 70,000 enrolled due to a disability.

Part B, on the other hand, has roughly 400,000 enrollees. Nearly 340,000 of them enrolled by meeting the qualifying age, with the other 60,000 receiving their Part B from disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Oregon

Original Medicare primarily covers your essential health and hospital procedures. Things like hospital and skilled nursing facility visits, take-home medical equipment, and general inpatient and outpatient care fall into baseline Medicare. Still, there are several vital medical expenses that don’t meet that description.

That’s where Supplemental Medicare plans come in, giving Oregon Medicare users the benefits they need to live comfortably but can’t receive with Medicare Part A and Part B. There are three main types of Supplemental Medicare plans — Part C, Part D, and Medigap.

Part C

Part C, also called Medicare Advantage, is the most common form of Supplemental Medicare plan. These plans typically include the vision, dental, and hearing coverage you won’t get in original Medicare; some Part C plans even have prescription drug coverage.

With Medicare Advantage, you also receive your Part A and B coverage from a private insurance provider rather than Original Medicare.

Part D

On the other hand, Part D plans are specifically for prescription drug coverage. In Oregon, most Part D options have low premiums and cover most prescriptions. However, not every Part D plan addresses every need, so you need to be careful with which policy you select.

Medigap

Medigap plans, also called Medicare Supplement plans, are the final primary option for additional healthcare in Oregon. There are 12 different types of Medigap plans in Oregon, each with varying coverage. The federal government standardizes each Medigap plan, so the benefits stay the same regardless of your provider or location.

It’s essential to know that price regulations for all three forms of supplemental Medicare differ from Original Medicare. While Part A and Part B rates are the same regardless of where you live, costs for supplemental plans change from state to state.

Oregon Medicare Resources

Understanding your coverage and healthcare benefits is tricky, whether you have basic Oregon Medicare or a comprehensive supplemental plan. Luckily, Oregon has several resources that educate Medicare users on their policies.

Senior Health Insurance Benefits Assistance and the Oregon State Insurance Department are helpful in-person ways to receive professional counseling on maximizing your Medicare. And if you’re still looking for the right Medicare plan, our team is here to help.

In addition, Oregon residents who fall below a certain income limit may also qualify for Medicaid for additional healthcare coverage. You can pair your Medicare with Medicaid for better coverage and lower costs.

Oregon Cities With Medicare Supplement Coverage’s Estimated Premiums

The following cities in Oregon have charts that can show you the estimated premiums for the various Medicare Supplement plans in the state:

FAQs

What benefits come with Original Medicare in Oregon?

Despite not having everything you need to live your healthiest life, Original Medicare in Oregon has several benefits for enrolled beneficiaries.

In addition to everything covered above, Medicare Part A will partially cover you through hospice care and home health treatments like meal delivery, chores, and hygiene assistance.

In contrast, Part B covers physician care, including diagnostics and certain treatments.

Is Original Medicare Part A and B in Oregon?

Eligible Oregon residents have access to Medicare Parts A and B. However, supplementary plans will vary depending on the ZIP code.

Does Medicare Part B pay for prescriptions in Oregon?

Oregon Medicare Part B does cover some prescription medication, but not nearly as much as Medicare Part D. You need both parts of Original Medicare to sign up for Medicare Part D.

Can I get Medicare Part B for free in Oregon?

Although Oregonians with 10 years of employment history in the U.S. are eligible for free Medicare Part A, Part B doesn’t have the same rules.

However, you can enroll in a Medicare Savings Program that pays for your Part B premium if you make less than $1,064 per month.

And if you’re married, you and your partner must make less than $1,723 per month combined to qualify.

How do I know if I have Original Medicare in Oregon?

The government automatically enrolls all Oregon residents with Social Security or Railroad Retirement Benefits in Original Medicare and mails a notification card three months before or after their 65th birthday.

You have to enroll in Medicare manually if you don’t have Social Security or Railroad benefits. You can apply for Medicare through your local Social Security office.

How to Sign Up for Supplemental Medicare in Oregon

Finding the perfect Oregon Medicare plan isn’t easy, especially with the dozens of supplemental policies and providers available in the state. Our team helps you sift through the madness and find the ideal coverage without the hassle.

Our licensed insurance agents can compare rates and plans from every Medicare provider in Oregon for free, so you can find the coverage you need in hours rather than searching on your own for potentially longer.

Call us today. Or complete our online rate form to be connected with the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.