Online quotes make the selection of Medicare Supplements (Medigap policies) and Medicare Advantage plans much easier. Medicare Advantage plans include HMO plans, PPO plans and Private-Fee-For-Service (PFFS) plans. Helpful information guides you in the senior health insurance selection process in Oregon. An easy comparison chart of stand–alone Prescription Drug Plans (PDP) is also available.

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Medicare supplemental insurance shopping in Oregon varies by where you live. Portland, the bigger cities, and the I5 corridor have more choices than other areas of the state. Medicare Supplements (also referred to as Medigap policies); however, are available statewide. The Cities in Oregon simply have the added choice of Medicare Advantage plans including HMO plans, PPO plans and Private-Fee-For-Service (PFFS) plans.

The online health insurance quotes provided on this web site for Medicare supplemental insurance plans only show you the plans that are available in the county you enter on the form. This allows you to focus on the senior health insurance plans we offer that you can purchase.

Medicare supplemental health insurance is confusing and may seem to be overwhelming to many. Maybe this will help. There are two major categories of supplemental plans: government designed plans and government contracted plans.

Government designed plans are the Medicare Supplements or Medigap policies. They come in 12 standard choices with two of the choices available with a simple modification. The choices are called Plan A, Plan B, Plan C, Plan D, Plan E, Plan F, Plan G, Plan H, Plan I, Plan J, Plan K and Plan L and the modified plans are the High Deductible Plan F and the High Deductible Plan J.

As the letters increase from A to J, the coverage generally increases and the premiums are generally higher. Plans K and L are lower coverage and lower cost alternatives. The high deductible versions simply impose a deductible before the insurance company pays any benefits as a way to cut your health insurance premium costs.

One important thing to remember. You don't have to waste much time trying to figure out which company's Plan F Medicare Supplement is better than the other company's. The government designed the coverage and the insurance company is just providing these senior health benefits. Cost is the major difference between two or more Plan F policies other than customer service and quality of company issues.

Government contracted plans are the Medicare Advantage and include Medicare Cost plans, HMO plans, PPO plans, and Medicare Private Fee For Service (PFFS) plans. For these plans, the insurance company and the government enter into a contract. As a perhaps an oversimplification, the government essentially provides the money and the insurance company provides the benefits and plan administration. The concept is that private industry can offer more benefits with the same money in exchange for some plan restrictions on your part, and they often do just that.