How to Find the Best Oregon Medicare Advantage Plans

The best Medicare Advantage plan in Oregon for you is the one that provides the benefits and coverage you need. In this guide, MoneyGeek summarized the state’s top-rated, widely available plans that offer broad benefits. Our findings determined that the best PPO and HMO plans overall are Regence MedAdvantage + Rx Primary and Kaiser Permanente Senior Advantage Value, respectively.

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Last Updated: 9/23/2022
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MoneyGeek analyzed which Medicare Advantage plans in Oregon have the highest rating from the Centers for Medicare & Medicaid Services and are widely available in the state.

We also determined the best plans based on several factors, including plan type, whether they include prescription drug coverage and maximum out-of-pocket costs.

Of course, these are general recommendations. To find a plan that fits you, shop around for options and review their network of healthcare providers before choosing one.

MoneyGeek also analyzed the best medicare supplement plans in Oregon for those focused on covering out-of-pocket expenses.

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Best Medicare Advantage Plans in Oregon

Best Medicare Advantage Plan in Oregon - Overall

Your needs and preferences will determine the best Medicare Advantage Plan in Oregon for you.

For example, suppose you’re looking for a PPO plan with drug coverage, the six core benefits and a high star rating from the Centers for Medicare & Medicaid Services. In that case, your best option is likely Regence BlueCross of Oregon’s MedAdvantage + Rx Primary plan.

However, the best plan for you will still depend on your specific needs and preferences.

A Preferred Provider Organization plan tends to be more expensive than other plan types. However, it offers a wider network of healthcare providers. You also won’t need a referral to see a specialist. Overall, a PPO plan is a great option if you’re looking for flexibility and don’t mind higher premiums.

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MoneyGeek Top Pick
Regence BlueCross of Oregon

In Oregon, Regence MedAdvantage + Rx Primary is the best option for those who want a PPO. If you’re considering this plan, expect the following:

  • $0 monthly premium
  • Prescription coverage with a drug deductible of $250
  • An in-network max-out-of-pocket limit of $6,200
  • A 4.5 out of 5 star rating from CMS

The six most common benefits are included in Regence MedAdvantage + Rx Primary. These are vision, dental, hearing, fitness, worldwide emergency and telehealth coverage. The plan also offers Part D drug coverage and receives a high rating from CMS.

This plan is a great choice if you love to travel since it includes worldwide emergency benefits.

Best HMO Medicare Advantage Plan in Oregon

To find the best HMO Medicare Advantage Plan for you, consider your healthcare needs. Kaiser Permanente Senior Advantage Value from Kaiser Permanente may be your best option if you’re looking for an HMO plan with drug coverage, the six core benefits and a high star rating from CMS. The best plan for you will still depend on your needs and preferences.

A Health Maintenance Organization plan is usually less costly than other plan types. However, one of its major drawbacks is that you need to stay within your provider network to guarantee coverage. The only exception is during an emergency.

You also need to have a referral to see a specialist. An HMO plan may be the right option for you if you want lower monthly premiums, and the plan’s in-network providers are readily accessible for you.

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MoneyGeek Top Pick
Kaiser Permanente

Kaiser Permanente Senior Advantage Value is the best overall plan in Oregon for buyers looking for an HMO. This option includes:

  • A monthly premium of $0
  • Prescription coverage with a drug deductible of $0
  • An in-network max-out-of-pocket limit of $5,600
  • A perfect 5 out of 5 star rating from CMS

Aside from Part D Drug Coverage, Kaiser Permanente Senior Advantage Value offers the six most common benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth coverage. It also receives a high rating from CMS.

Best Medicare Advantage Plan in Oregon Without Drug Coverage

If you don’t need Part D prescription drug coverage, you’ll generally find more Medicare Advantage plans available to you.

In Oregon, Kaiser Permanente Senior Advantage Value from Kaiser Permanente may be the best option for those who want a Medicare Advantage plan without drug coverage, but that does include the six core benefits and has a high star rating from CMS.

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MoneyGeek Top Pick
Kaiser Permanente

Kaiser Permanente Senior Advantage Value is the best option in Oregon if you’re looking for a plan regardless of whether it includes drug coverage or not. However, this particular plan from Kaiser Permanente offers drug coverage. It also features:

  • A $0 monthly premium
  • An in-network max-out-of-pocket limit of $5,600
  • A 5 out of 5 star rating from CMS

Kaiser Permanente’s Kaiser Permanente Senior Advantage Value includes the six most common benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth coverage. Additionally, it receives a high rating from CMS.

Best Medicare Advantage Plan in Oregon for Low Max Out-of-Pocket Costs

Many Medicare Advantage plans offered in Oregon have low or no premiums. However, they may still involve high out-of-pocket costs. You’ll want to look for a plan with low in-network max-out-of-pocket costs to avoid this.

In Oregon, Regence MedAdvantage + Rx Classic from Regence BlueCross BlueShield of Oregon is the best option if you want a Medicare Advantage plan with a low in-network max-out-of-pocket limit that includes drug coverage, the six core benefits and has a high star rating from CMS.

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MoneyGeek Top Pick
Regence BlueCross of Oregon

Regence MedAdvantage + Rx Classic is the best option in Oregon for those who need a plan with a low in-network max-out-of-pocket limit. To determine this, MoneyGeek filtered out the plans with high max-out-of-pocket costs.

This plan from Regence BlueCross BlueShield of Oregon includes:

  • A monthly premium of $47
  • An in-network max-out-of-pocket limit of $5,700
  • A 4.5 out of 5 star rating from CMS

Having a lower max-out-of-pocket limit can protect you from excessive costs if you have expensive medical needs in a year. With Regence MedAdvantage + Rx Classic, you stop paying for in-network coverage after reaching the max-out-of-pocket limit of $5,700.

Additionally, PPO plans like this one have a separate max-out-of-pocket limit for out-of-network coverage. For Regence MedAdvantage + Rx Classic, that limit is $10,000.

Medicare Advantage Plan in Oregon - Statistics

In Oregon, you can get a Medicare Advantage plan from 15 healthcare organizations. MoneyGeek researched some statistics on the state’s plan types, $0 premium plans and common benefits to help you differentiate rare plan components from typical ones.

1

Oregon Medicare Advantage plans are a mix of HMO/PPO/MSA with 67.4% offering drug coverage

Of the total number of Medicare Advantage plans in Oregon, 45.7% are Health Maintenance Organization, 43.2% are Preferred Provider Organization, and 11.1% are Medical Savings Account plans. 67.4% of these plans offer drug coverage.

2

36% of Medicare Advantage Plans in Oregon have a $0 premium

There are 32 unique plans with a $0 premium in Oregon. For plans that require a monthly premium, the average cost is $79.60.

3

Hearing, Vision and Worldwide Emergency benefits are common in Oregon, with most plans offering them

In Oregon, the three most common benefits offered are hearing, vision and worldwide emergency coverage. Meanwhile, the benefits rarely included in Oregon’s Medicare Advantage plans are in-home support, home safety devices & modifications and transportation.

Methodology

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Oregon were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Oregon based on county availability.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.