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Mon May 3, 2021, 12:47 PM

Oregonians, can you recommend a good Medicare Supplemental insurance plan?

I'm looking for the best protection from out-of-pocket expenses in case of illness or injury.

Thanks in advance!

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Reply Oregonians, can you recommend a good Medicare Supplemental insurance plan? (Original post)
jmbar2 May 3 OP
jalan48 May 3 #1
jmbar2 May 3 #2
Casady1 May 3 #3
Desert grandma May 3 #4
jmbar2 May 3 #5

Response to jmbar2 (Original post)

Mon May 3, 2021, 12:53 PM

1. I think it will depend on what medical providers you have in your area. Some rural counties

have limited options. I use Regence Blue Cross and like it. Some plans are less expensive but allow fewer choices in choosing doctors I believe. I haven't check this website out but it may have info that will help.

https://www.ehealthmedicare.com/medicare-supplement-by-state/medicare-supplement-insurance-plans-oregon/

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Response to jalan48 (Reply #1)

Mon May 3, 2021, 12:56 PM

2. Very helpful - thank you!

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Response to jmbar2 (Original post)

Mon May 3, 2021, 01:21 PM

3. I did extensive review on this.

Medicare and medicare supplements are different than Medicare Advantage. The least expensive with the same exact coverage is Mutual of Omaha. It is quite bit less expensive than Blue Cross and United. The coverage is mandated so it is all the same in supplemental insurance.. Mutual of Omaha provides a 12% discount for being married. VSP is the best for eyecare and dental through AARP is the only one that provides for implants. Drug wise will be determined when you put it into the worksheet on medicare. There are no networks in medicare.

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Response to Casady1 (Reply #3)

Mon May 3, 2021, 01:57 PM

4. I found the same when I reviewed our options

The other factor to be aware of in Medicare Supplement Insurance is that they are rated (priced) in 3 different ways...

Age Attained which means you pay the premium based on your age. It can and usually does increase on your birthday. It can also increase due to medical costs increasing in your group.

Age Issued premium is base upon the age you are when you take the policy out. The younger you are (65) the better. The policy will only increase based on increased medical costs in your group. We have this one. In the 8 years we have had it, it has increased at the most $5-7.

Community rating means the same premium is charged to everyone who has the policy. Premium can increase due to medical costs increases but not because of age. A friend has the AARP supplement and is very satisfied with it.

In my state almost all available policies are age attained rated and go up each year. In the long run, these will probably end up being the most expensive. There were only 2 that were age issued related in our area, and Trans America was the one that responded to my requests. AARP is the only policy that I am aware of that is community rated.

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Response to Casady1 (Reply #3)

Mon May 3, 2021, 02:47 PM

5. Super helpful - thanks

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