The Best Oregon Medicare Supplement Plans (2022)

Medicare Supplement plans, also known as Medigap plans, are policies that are designed to cover the costs related to your Original Medicare.

In Oregon, there are ten Medicare Supplement plans, although different plans are available depending on when you became eligible. The companies offering the best Medicare Supplement plans in the state are Humana and UnitedHealthcare.

Be aware that once you purchase a Medicare Advantage Plan in Oregon, it will replace your entire Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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The average monthly cost for Medicare Supplement plans is $139 for 65-year-olds and $242 for 75-year-olds in Oregon. Most people prefer to buy plans F and G because they offer the most comprehensive coverage. Within the state, plan F costs $264.54 per month, while plan G costs $150.90 per month. However, note that you can only purchase Plan F if you became eligible for Medicare before 2020.

Another popular plan is Plan N, which offers similar coverage to Plans F and G, however, it also involves excess charges. It costs an average of $139.30 per month for 65-year-olds and $234.58 per month for 75-year-olds.

MoneyGeek analyzed the average premiums and benefits of these three plans to come up with the best options for you. Refer to our guide on the best Medicare Supplement Plan if you want to know more about different types of plans and coverage.

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Best Medicare Supplement Plans in Oregon

Best Medicare Supplement Plan G in Oregon

UnitedHealthcare offers the best Medicap Plan G in Oregon at an average cost of $163.32 per month.

This insurer also offers a more affordable Select Plan G, which requires policyholders to receive services only from a specific network of hospitals and health care providers. A UnitedHealthcare Select Plan G costs $147.01 per month.

Note that only companies that provide quotes online were included in MoneyGeek’s rankings. There may be other insurers that offer better rates, but these were excluded from our analysis because they do not provide estimates online.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $163.32

On average, Medigap Plan G costs $210.40 in Oregon, which makes UnitedHealthcare’s offering a more affordable option. Policyholders who are frequent travelers outside of the U.S. will enjoy the benefit of foreign travel emergency care that goes along with this health care policy.

UnitedHealthcare’s Select Plan G has an even cheaper monthly premium of $147. However, this plan also has more restrictive networks, so you should always check first to see if your preferred hospital facilities and health care providers are within the insurer’s network.

MORE ABOUT PLAN G IN OREGON

Navigate to learn more about Medigap Plan G in Oregon, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Oregon

Plan G costs $210.40 per month, on average, in Oregon. Your actual premium cost will depend on how old you were when you bought your plan, your current age, provider discounts and medical underwriting factors.

Premiums can also vary greatly depending on the insurer. For instance, Humana offers the cheapest Plan G for 65-year-olds at $125 per month, while Regence has the most expensive plan at a monthly rate of $194.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Humana
    $125
  • UnitedHealthcare
    $155
  • Regence
    $194

Providers Offering Plan G in Oregon

In Oregon, 21 companies offer Plan G, but not all of these display their quotes online.

MoneyGeek gathered contact information for all Plan G providers in Oregon to help you find the insurer that best fits your needs. We also outlined their pricing methods, so you’ll know which ones tend to charge more depending on your age.

Providers Offering Plan G in Oregon

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • GPM Health and Life
    866-242-7573
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Lumico
    1-866-440-4047
    Attained Age
  • Manhattan Life
    800-877-7703
    Attained Age

What Does Plan G Cover?

All Medigap policies, including Plan G, are standardized and must meet specific coverage requirements. Although Plan G is very comprehensive in terms of coverage compared to other plans, it only covers 80% of foreign travel exchange within your plan limits and does not include Part B deductibles.

Depending on your insurer, you may receive additional benefits outside of the standard offer, such as UnitedHealthcare’s foreign travel emergency care services.

Required Benefits of Plan G in Oregon
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Oregon

Humana has the best Medicare Supplement Plan F among providers in Oregon, with an average monthly premium of $315.75. If you are looking for a cheaper alternative, Humana also offers a high-deductible Plan F, which can reduce your monthly premium to $75.99.

Note that MoneyGeek’s rankings are limited to companies that provide online quotes. There may be more insurers in Oregon that have better rates and policies, but do not have online quotes and were thus excluded from our analysis.

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MoneyGeek Top Pick
Humana
  • MoneyGeek Score: 75 out of 100
  • Average Monthly Rate: $315.75

Humana’s Medigap Plan F is more expensive than the average Medigap Plan F monthly premium of $264.50 in Oregon. But with this insurer, you also have the option to select a high-deductible plan which can lower your monthly premium to $75.99. If you choose the high-deductible plan, you must pay for Medicare-covered costs up to a deductible of $2,490.

MORE ABOUT PLAN F IN OREGON

Navigate to learn more about Medigap Plan F in Oregon, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Oregon

You should expect to pay an average of $264.50 per month for a Medicare Supplement Plan F in Oregon.

However, costs can vary greatly depending on where you buy your policy. For instance, within the state, Humana offers the cheapest Plan F for 75-year-olds at $195.90 per month, while UnitedHealthcare has the most expensive plan at $401.90 per month.

Rates can also differ depending on how old you were when you purchased your plan, your current age, any discounts that your provider offers, as well as medical underwriting factors.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Humana
    $196
  • UnitedHealthcare
    $402

Providers Offering Plan F in Oregon

There are 21 companies that offer Medigap Plan F in Oregon. But, not all provide quotes that can be accessed online.

MoneyGeek provided contact information for all insurers in Oregon so that you can contact them directly for an estimate. We’ve also provided information on insurers’ pricing style so you can see which ones tend to charge more depending on age.

Providers Offering Plan F in Oregon

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • GPM Health and Life
    866-242-7573
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Lumico
    1-866-440-4047
    Attained Age
  • Manhattan Life
    800-877-7703
    Attained Age

What Does Plan F Cover?

Plan F is standardized and includes certain benefits, like all Medigap policies. Although Plan F is one of the most comprehensive policies, it only partially covers foreign travel exchange up to 80%.

Different insurers also provide other perks in addition to the standard benefits in Plan F. One example is Humana’s SilverSneakers which is a health and fitness program that comes with no added cost to policyholders.

Required Benefits of Plan F in Oregon
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Oregon

Those who are looking for the best Plan N in Oregon should consider getting a policy from Humana. It is MoneyGeek’s top pick among companies that provide online quotes. Humana’s Plan N has an average monthly premium of $120.02.

mglogo
MoneyGeek Top Pick
Humana
  • MoneyGeek Score: 75 out of 100
  • Average Monthly Rate: $120.02

Humana’s Medigap Plan N premiums are almost $74 cheaper than the average monthly cost of $193.70 for a Medigap Plan F in Oregon.

Among Humana’s additional benefits are the SilverSneakers health and fitness program and the Well Dine Meal Program, which delivers condition-specific meals to seniors recovering from inpatient hospital stays or to those who have a chronic condition.

Humana has also partnered with Philips Lifeline to provide a medical alert system that has options for fall detection and mobile pendants. Policyholders can also manage their policies conveniently through the MyHumana mobile app and website portal.

MORE ABOUT PLAN N IN OREGON

Navigate to learn more about Medigap Plan N in Oregon, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Oregon

Medicare Supplement Plan N costs an average of $193.70 per month in Oregon. This rate may vary depending on various factors, including your current age and your age when you purchased your plan, as well as any discounts and medical underwriting processes specific to your insurer.

For example, a 65-year-old in Oregon can buy the cheapest Plan N from Humana for $120.02 per month, whereas Regence charges the highest premiums at $166, $46 more per month than the cheaper alternative.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $120
  • UnitedHealthcare
    $132
  • Regence
    $166

Providers Offering Plan N in Oregon

There are 22 insurers that provide Plan N in Oregon, but not all of these offer online quotes. To find the company that best fits your needs, you can use MoneyGeek’s comprehensive list of all Plan N providers in Oregon and consider their pricing methods to learn which ones charge higher premiums based on the insured’s age.

Providers Offering Plan N in Oregon

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • GPM Health and Life
    866-242-7573
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Lumico
    1-866-440-4047
    Attained Age

What Does Plan N Cover?

All Medigap policies, including Plan N, are standardized and must cover at least certain benefits. Some of these are Part A coinsurance and deductibles. However, Plan N does not cover Part B deductibles or Part B excess charges. It also only covers 80% of foreign travel exchange up to the plan’s limits.

Many providers have added features on top of standard benefits. For instance, Humana has an easy-to-use MyHumana mobile app and website portal for managing one’s policies.

Required Benefits of Plan N in Oregon
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Oregon: Other Plan Types

There are other Medicare Supplement Plan types that you can choose from in Oregon, such as Plans A, B, C, K and L. But fewer people buy these plans because they have less comprehensive protection.

MoneyGeek ranked insurers to identify the best option for each plan type, but our analysis was limited to those with online quotes: UnitedHealthcare, Regence and Humana.

Of these providers, we determined that Humana offers the best Medicare Supplement Plans in Oregon for all other letter plans.

Note that if you first became eligible for Medicare after January 1, 2020, Plan C won't be available to you in Oregon or any other state.

The Best Medicare Supplement in Oregon - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Humana

    $146.79

  • B

    Humana

    $153.14

  • C

    Humana

    $309.47

  • F

    Humana

    $315.75

  • G

    UnitedHealthcare

    $163.32

  • K

    Humana

    $83.39

  • L

    Humana

    $117.73

  • N

    Humana

    $120.02

How to Find the Best Medicare Supplement Plans in Oregon

Finding the right Medicare Supplement Plan in Oregon can be a complicated process. To simplify the process of comparing available plan types, MoneyGeek has developed an easily understandable chart for you to use that also includes pricing data.

Oregon Medicare Supplement Plans Comparison Chart

Medigap plans have different levels of coverage, with some plans covering all or part of coinsurance or deductibles. Also, the availability of certain plan types depends on when you became eligible for Medicare.

Plan F and Plan C tend to offer the most comprehensive coverages, but new enrollees can no longer buy these because they have been replaced by Plan G and Plan D.

Use MoneyGeek’s chart to compare Medicare Supplement Plan coverages and average rates in Oregon.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Oregon

The cost of Medicare Supplement insurance varies depending on your plan type and insurer.

Humana offers the most affordable plans for almost all letter plans in Oregon, while UnitedHealthcare is the cheapest option for Plan G.

Rates can also differ based on the insurer’s pricing method:

  • Attained-Age: This is the most common pricing style in Oregon. Your provider will base your premium on your current age, which means that your rates will increase as you get older.
  • Issue-Age: This is the next most common pricing method in Oregon. Also known as “entry-age” pricing, your rates will be based on your age when you were issued your Medigap policy. The premiums you need to pay won’t change due to your age.
  • Community-Rated: All policyholders of a particular Medigap plan type pay the same premiums, regardless of age. Very few insurers in Oregon use this pricing scheme.
Average Cost of Medicare Supplement in Oregon

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Humana
    $147
  • Regence
    $157

FAQs About Medicare Supplement Plans in Oregon

Below are some of the most commonly asked questions about Medicare Supplement plans in Oregon.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Oregon for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

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.


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