Supplemental plans for Salem, Oregon Medicare cover gaps left by Original Medicare. In Salem, there are 64,952 beneficiaries with Original Medicare Part A and B. Out of these enrollees, 64.02% have a Medicare Advantage plan.

Salem Oregon Supplemental Medicare Plans

Supplemental Medicare plans help beneficiaries reduce their healthcare costs by providing coverage for benefits that Original Medicare in Oregon doesn’t. Below, we will review these different types of plans with quotes based on the average 65-year-old female beneficiary.

Affordable Medicare Advantage Plans in Salem, Oregon

23,368 residents participate in an FFS plan in Salem, Oregon, while 41,584 participate in a MA plan. Salem is part of Marion County, where there are 36 Medicare Advantage plans available.

There are three major Medicare Advantage plan carriers. The first is AARP, which has an HMO plan with a zero-dollar monthly premium and a MOOP (maximum out-of-pocket) cost of $5,900.

HealthNet offers another Medicare Advantage plan that can supplement your Salem, Oregon Medicare. This plan also has a zero-dollar premium but comes with a MOOP of $4,200. This plan has a four-star rating, indicating its overall effectiveness.

The last major plan people use is Regence. Regence also has a zero-dollar monthly premium plan. Like AARP and HealthNet, Regence is an HMO, and it has a MOOP of $6,700.

PLAN PREMIUM MOOP Plan Type Star Rating
AARP $0 $5,900 HMO N/A
HealthNet $0 $4,200 HMO N/A
Regence $0 $6,700 HMO N/A

Average Medicare Supplement Plans in Salem, Oregon

Oregon Medicare Supplement plans help cover additional expenses where Original Medicare cannot. Since the government standardizes these plans, benefits remain the same with different carriers and locations. However, premiums will vary.

PLAN F is the most popular plan for seniors across the country. Its monthly premium range is $146.75 to $354.25. Although it’s one of the most expensive plans, it also has the most comprehensive coverage.

PLAN G is another popular choice with almost the same benefits as Plan F but at a lower cost. Its premium range is $121.42 to $330.15 per month. The critical difference between Plan G and Plan F is that G doesn’t cover the Part B deductible.

Residents can also choose PLAN HDF which has a very low premium range of $27.00 to $88.63. PLAN HDF has all the benefits of PLAN F but with a much lower premium and a higher deductible.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Cheapest Medicare Part D

Medicare Part D plans in Oregon cover prescriptions not covered by Original Medicare or most Supplemental Medicare plans. For example, Medigap plans don’t cover prescriptions, and only some Medicare Advantage plans have Part D coverage.

There are a few different Part D plans you can choose from to supplement your Salem, Oregon Medicare. The first is Aetna. This plan has a three-star rating with a monthly premium of $7.70 and a deductible of $480.

Wellcare has another plan people choose that has an $11.60 monthly premium. Using Wellcare, patients can get generic prescriptions that only cost between zero to four dollars. Like Aetna, this plan has a $480 deductible.

Humana has a $22.70 monthly premium with a deductible of $480. Most generic prescriptions cost a dollar or less for the Basic Rx Plan. This plan is ideal if you use pharmacies like Kroger, Walmart, or Costco.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Special Needs Plans (SNPs) are a subdivision of Medicare Advantage plans. These supplemental plans help patients with special needs or chronic disabilities. While they’re not available in all areas, they can be a great help.

UnitedHealthcare is the first plan patients with special needs or chronic disabilities often choose. There are two main versions of UnitedHealthcare available in Salem, Oregon. Both are Local PPOs with institutional eligibility; however, one has a MOOP of $1,500 and the other $500.

AgeRight is another SNP you can choose. Depending upon which AgeRight plan you choose, it will either have institutional or chronic and disabling eligibility. Both have a MOOP rate of $6,500.

There’s also Atrio Health which is available to dual-eligible beneficiaries. This HMO plan has a MOOP of $6,700. Its monthly premium is $40.50.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $4.20 $1,500 LOCAL PPO Institutional
UnitedHealthcare $35.00 $500 LOCAL PPO Institutional
Atrio Health $40.50 $6,700 HMO Dual
AgeRight $40.50 $6,500 HMO Institutional
AgeRight $42.00 $6,500 HMO Chronic/Disabling

FAQs

Do I Automatically Get Medicare in Salem When I turn 65?

Salem residents who receive Social Security benefits will automatically enroll in Medicare when they turn 65. However, if you don’t have enough work and tax experience, you may have to apply through the Social Security Administration.

Does Medicare Cover Prescriptions in Salem?

In order to receive coverage for prescriptions, you will need to enroll in a Medicare Part D plan.

What Is the Difference Between Medigap and Medicare Advantage Plans in Salem, Oregon?

While both Medigap and Medicare Advantage plans fill gaps left behind by Original Medicare, some differences exist. One big difference is that Medigap is often used to supplement Original Medicare, while Medicare Advantage plans essentially replace Original Medicare.

Can You Change Medicare Advantage Plans in Salem, Oregon?

Yes, you can change Medicare Advantage plans in Salem, OR. However, you’ll need to do so during specific enrollment periods, such as the Annual Enrollment Period which runs from October 15 to December 7 every year.

Do Medigap Premiums Increase with Age in Salem, Oregon?

The price of Medigap premiums can depend on your age when you first enroll. Generally, the older you are, the higher your premiums will be. However, once bought, your premiums won’t increase as you get older.

How to Sign Up for Supplemental Medicare in Salem

There are many supplemental Medicare plans available in Salem, OR. To ensure you’re choosing the right one, you’ll want assistance from our team in signing up. We work with all major carriers, and our service is free.

Give us a call today to get rates and see how we can help supplement your Medicare. You can also complete our online rate form here.

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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.