Eugene, Oregon, has 181,178 Medicare beneficiaries enrolled in Original Medicare or Medicare Advantage plans. About 93,581 enrollees opted for Original Medicare and 87,597 for Medicare Advantage plans. Let’s discuss the supplemental plans available for Eugene, Oregon, Medicare.

Eugene Oregon Supplemental Medicare Plans

Supplemental Medicare plans offer many benefits to Oregon Medicare beneficiaries, including paying for out-of-pocket expenses. People can choose between Medigap or Medicare Advantage plans to supplement Medicare Part A and Part B.

Below, we will review the different plan options with quotes based on a 65-year-old female beneficiary in Eugene, Oregon.

Average Medicare Advantage Plans in Eugene, Oregon

In Eugene, Oregon, 87,597 Medicare beneficiaries enrolled in Medicare Advantage plans. Eugene offers a wide range of Medicare Advantage plans, with over 37 programs.

The FamilyCare HMO plan has no monthly premiums and a maximum out-of-pocket (MOOP) cost of $6,700. The Humana HMO plan has no monthly premium and a MOOP cost of $5,700; they are a popular carrier because it has a reputable customer service team and impressive coverage in most plans.

The Providence HMO plan has a $0 monthly premium and a MOOP cost of $5,500. People choose this plan because it covers virtual consultations with doctors, among various other benefits.

Lastly, Health Net’s HMO plan has a $0 monthly premium and a MOOP cost of $3,950. Health Net is another reputable insurance carrier popular among Eugene, OR, Medicare beneficiaries.

PLAN PREMIUM MOOP Plan Type Star Rating
FamilyCare $0 $6,700 HMO N/A
Humana $0 $5,700 HMO N/A
Providence $0 $5,500 HMO N/A
Health Net $0 $3,950 HMO N/A
Regence $0 $3,400 HMO N/A

Cheapest Medicare Supplement Plans in Eugene, Oregon

Eugene, Oregon Medicare Supplement, or Medigap, plans cover out-of-pocket medical costs for Part A and Part B. The government standardizes these types of plans, so the benefits remain the same across all states and carriers; however, the monthly premiums will vary with location and other factors.

Medigap Plan G premiums range from $121.42 to $330.15 per month. Plan G has the most comprehensive Medicare services.

Medigap Plan F premium ranges from $146.75 to $354.25 per month. Plan F offers similar benefits to plan G but with higher premiums.

Medigap Plan N monthly premiums range from $96.63 to $237.37. Similarly, Medigap Plan L ranges from $92.61 to $196.43 per month.

PLAN A $91.48 $294.21
PLAN B $148.06 $305.50
PLAN C $166.00 $353.00
PLAN D $128.18 $236.88
PLAN F $146.75 $354.25
PLAN HDF $27.00 $88.63
PLAN G $121.42 $330.15
PLAN HDG $27.00 $50.27
PLAN K $45.88 $107.00
PLAN L $92.61 $196.43
PLAN M $137.29 $205.20
PLAN N $96.63 $237.37

Affordable Medicare Part D in Eugene, Oregon

Medicare Part D covers prescription medications. Since few Medicare Advantage and no Medigap plans have Part D coverage, reviewing your stand-alone Oregon Part D plans is vital to maximize your Medicare coverage and reduce your out-of-pocket costs.

Aetna’s Part D plan has a three out of five-star rating and costs $7.70 per month with a deductible of $480.

The Wellcare Part D plan costs $11.60 per month with a deductible of $480 and has a three-star rating.

Lastly, Clear Spring Health has a two-star rating and costs $16.20 per month with a deductible of $480.

Aetna $7.70 $480 3
Wellcare $11.60 $480 3
Clear Spring Health $16.20 $480 2
Elixir Insurance $20.30 $480 3
Humana $22.70 $480 4

Medicare Special Needs Plans

Eugene, Oregon, Medicare Advantage plans offer Special Needs Plans (SNP) to care for individuals with disabilities or chronic conditions. Although SNPs can help reduce costs significantly, they are only available in certain areas.

Pacificsource HMO offers a plan with no premiums and a MOOP cost of $6,700. This plan requires beneficiaries to be dual-eligible, which means having both Medicare and Medicaid.

The UnitedHealthcare PPO plan has a monthly premium of $4.20 and a MOOP cost of $7,550 for those with a chronic condition or disability.

Additionally, Ageright HMO has a monthly premium of $40.50 and a MOOP cost of $6,500, with institutional eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
Pacificsource $0 $6,700 HMO Dual
UnitedHealthcare $4.20 $7,550 LOCAL PPO Chronic/Disabling
UnitedHealthcare $35.00 $750 LOCAL PPO Institutional
Ageright $40.50 $6,500 HMO Institutional
CareOregon $40.50 $3,400 HMO-POS Dual


How to sign up for Medicare in Eugene, Oregon?

Generally, Social Security automatically enrolls people already receiving retirement or disability benefits. Otherwise, you can apply online or visit the Social Security Administration Office in Eugene, OR, to sign up for Medicare. The online application takes ten to 30 minutes to complete.

When can I apply for Medigap in Eugene?

You can apply for Medigap in Eugene if you have Original Medicare Parts A and B. Once you have Parts A and B, you can enroll in a Medigap plan at any point of the year.

What are the four types of Medicare in Eugene, Oregon?

The four types of Medicare in Eugene, OR, include Part A, B, C, and D. Medicare Part A focuses on hospital coverage, and Part B has medical coverage. Medicare Advantage plans, or Part C, provide an alternate way to get Medicare. Lastly, Part D plans offer drug coverage.

Is Medicare Part A and Part B free in Eugene, Oregon?

No. Only Medicare Part A has no premium as long as you worked 40 quarters. Medicare Part B charges a monthly premium to all beneficiaries.

Do I need Medicare Part D if I don’t take any drugs?

Medicare Part D has no required enrollment mandates. Even if you don’t need a Part D plan, consider enrolling so that you have coverage if the need arises. Enrolling in a Part D plan can help you avoid late enrollment penalties or unexpected prescription drug costs.

How to Sign Up for Supplemental Medicare in Eugene

Before selecting a Medigap or Medicare Advantage plan, consider what each plan covers and how that fits into your healthcare needs. can help you compare popular Eugene, Oregon Medicare plans to find one that works for your needs.

With so many different types of plans and coverage options available, it can be overwhelming to narrow down which ones work best for you.’s team of plan experts is here to help.

Give us a call or get started by completing our online form to get the best rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.