You have a wide range of Medicare and other senior health insurance options available to you in Lane County. To make shopping easier, use the navigation links below to show specific plan types. If you are looking for more information about your options click here.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Lane County Medicare Insurance Options
Medicare Part A (inpatient) and Medicare Part B (outpatient), commonly called Original Medicare, is the same for everyone with Medicare benefits, including Lane County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
Our goal is to help you find all of the information you need to narrow your plan options to a small number so you can get on the phone with licensed adviser and make your final election for the year. In our experience, people who take a little more time investigating their options generally have better results with their healthcare.
Medicare Advantage Insurance in Lane County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Lane County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.
For most Lane County seniors cost is a factor, so let's talk about it. You have plans as low as $49.00 per month and some as high as $199.00 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 4 plans that give you prescription drug coverage and 2 that don't include it.
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
The most important benefit offered by Medicare Advantage insurance is the annual cap on your out-of-pocket expenses. The limit, called your Maximum Out-of-Pocket (MOOP) expense, is set each year by the Centers for Medicare and Medicaid Services (CMS). However, CMS allows plans to offer a lower alternative MOOP, so look for it. It's the MOOP that will help you sleep better at night knowing that a trip to the emergency room won't clean out your savings.
A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.
Medicare Supplement Insurance in Lane County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the Oregon state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Lane County
In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a Oregon Medicare Part D plan (PDP) to get cost assistance.
You have a total of 6 Oregon PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $33.20 per month. At the high end, premiums top out at $107.10 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Lane County, Oregon
We've recently added all Lane County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Blue River, Cottage Grove, Creswell, Dexter, Eugene, Florence, Junction City, Oakridge, Springfield, Veneta, and surrounding areas.
This page was last updated on: 11/12/2014.