Welcome, on this website you can learn about Oregon Medicare and Oregon Medicare supplemental insurance. The goal here is to provide the knowledge needed to choose a Medicare supplement plan that best meets your needs at the lowest price available.
|Is Medicare supplement Plan F right for you?
Just what is Oregon Medicare?
Oregon Medicare is merely Medicare run within the state of Oregon. Medicare is the country’s health insurance program for everyone age 65 or older. Some people younger than age 65 can get Medicare if they have specific disabilities. Medicare helps with the cost of health care, but it will not cover all medical expenses or the cost of most long-term care.
When do I need to apply for Oregon Medicare?
If you are not currently getting retirement benefits it is advisable to contact Social Security about three months before your 65th birthday to enroll in Medicare. You may sign up for Medicare even when you do not intend to retire at 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers part of your medical expenses when you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 daily after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 each day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services as well as other medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors may charge as much as 15% above what Medicare authorizes)
Even though Medicare covers a large portion of your Medical expenses there are lots of gaps left for you to pay. These gaps can easily deplete a person’s financial resources when they are on a set budget. A Oregon Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Oregon Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. Which means that all plans labelled by the same letter provide the exact same coverage whether or not you purchase your insurance from AARP, Blue Cross, Loyal American, Mutual of Omaha or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Oregon Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
Oregon Medicare supplement plan G: This plan is just like Medicare supplement plan F with the exception of not covering the annual Medicare Part B deductible. For many people this plan is often the best option if you don’t mind paying the yearly deductible instead of the often more expensive monthly premiums for Medicare supplement plan F.
Oregon Medicare supplement plan N: Unlike Medicare supplement plan F this plan includes some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for less expensive monthly premiums. It is designed as an alternative to Medicare Advantage plans, while adding the flexibility and security of a Medicare supplement. This plan also does not cover excess charges.
There are numerous insurance companies providing Oregon Medicare supplement plans and the rates can vary greatly from company to company. Many who do not use the services of an independent agent wind up paying over 40-50% extra for their insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.