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.
Medicare plans in Eugene, Oregon
Medicare plans offer Oregon Medicare beneficiaries many benefits, including 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.
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.
The average cost of Medicare Advantage plans in Eugene, Oregon
| 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 |
Medicare Supplement plans
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.
The average cost of Medicare Supplement plans in Eugene, Oregon
| 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 |
Medicare Part D prescription drug plans
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.
The average cost of Medicare Part D plans in Eugene, Oregon
| 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 |
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.
The average cost of Medicare Special Needs plans in Eugene, Oregon
| 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 plans in Eugene
Before selecting a Medigap or Medicare Advantage plan, consider what each plan covers and how that fits into your healthcare needs. Medigap.com 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. Medigap.com’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.
