Oregon Senior Health Insurance
Explore Your Options
Retiring in Oregon has its many advantages; beautiful views, unique culture and great Senior Health Insurance options! Retiring in Oregon you are offered a wide variety of plan options when you are turning 65 or becoming eligible for Medicare. To see if you are eligible for Medicare please click here. When you are becoming eligible for Medicare there are many things to consider, what do the different plan options mean, are my prescriptions covered, can I continue to see my doctor and what are the associated costs. MySeniorHealthPlan.com was to answer these questions and help feel confident about this important decision.
Now let’s go over your options:
Medicare Supplement Plans (or Medigap plans), are state specific plans and range from plans A-G with the benefits varying. Choosing this type of plan gives you the freedom to see any doctor that accepts Medicare. Medicare Supplement Plan benefits are standardized by the government and only vary by premium. Other factors to consider when choosing your Medicare Supplement Plan are customer service and carrier reputation. This is why it’s important to speak with a Senior Health Insurance Specialist who is well versed in the Medicare Supplemental plans available to you. A MySeniorHealthPlan.com specialist is available to compare all of your Medicare Supplemental options.
Your next option is a Prescription Drug Plan (PDP). These are stand-alone plans that help cover the cost of your prescriptions. Because Medicare Supplements do not include prescription drug coverage, they are often paired together. To save on your prescription costs, you can enroll into the Oregon Prescription Drug Program (OPDP). This program will work with your Medicare Prescription Drug Plan and at this time has no cost to you. For more information please visit: http://www.oregon.gov/oha/pharmacy/OPDP/Pages/index.aspx You may also qualify for extra help to pay for your PDP, to see if you qualify please visit: http://www.socialsecurity.gov/medicare/prescriptionhelp/
Similar to other states, Medicare Advantage Plans are offered based on county. There are options of HMO or PPO plans. These are network based plans that you can typically obtain at a lower cost. Most Medicare Advantage Plans include prescription drug coverage right into the policy. To find out what Medicare Advantage plans are available in your county please call a My Senior Health Plan specialist for assistance.
Some Oregonians have coverage under Indian Health Services as well. The relationship between the Federal Government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare & Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.cms.gov/Outreach-and-Education/American-Indian-Alaska-Native/AIAN/
Indian Health Services: http://www.ihs.gov
Social Security: http://www.socialsecurity.gov/medicare/prescriptionhelp