Can I get a Medigap Plan F or has it Gone Away?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Oregon? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
Supplements don't and can't cover your prescriptions. This is a change from years past. By law, supplemental insurance must cover what Original Medicare covers, and nothing more. The only exception is foreign travel coverage.
Here's the complete list of Medicare Prescription Drug Plans available in Oregon.
Oregon Medicare Supplements are Regulated by Law
The Oregon Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
All Medicare Supplements sold in Oregon provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more you can visit your state's Department of Insurance website at http://www.insurance.oregon.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Oregon dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Oregon is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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